P2P (Peer-to-Peer) car insurance protection in Malaysia

With TREVO Shield, Hosts get the perfect balance of flexibility, protection, and exclusive platform perks. Unlike TREVO Guard, which is insurance coverage, TREVO Shield works as a tiered benefits plan. The commission you share with TREVO determines the level of protection, rewards, and peace of mind you enjoy while hosting.

How TREVO Shield works

  • You choose a Shield plan (60, 65, or 75) based on your goals.

  • The higher the commission, the more coverage and support you unlock.

  • Shield covers things like deductibles, loss of income, promo splits, roadside assistance, and even replacement cars.

    👉 To qualify for TREVO Shield, you must first purchase your base motor insurance with Allianz via TREVO Guard.

Protection Offered by Shield Plans

* A 5% rebate will be awarded to Hosts who convert to Shield 65 or Shield 60, in accordance with the applicable Terms and Conditions.

FAQs

    • TREVO Shield → A commission-based benefit plan with different tiers (60, 65, 75), offering Host perks.

    • TREVO Guard → An insurance with a P2P protection add-on from Allianz that makes your car legally covered for car-sharing. 👉 You need Guard first to unlock Shield. Read more here

    • Only Organic Hosts.

    • Must have a base motor insurance policy renewed with Allianz via TREVO Guard.

    • Shield 60 → Best protection (RM0 deductible + income coverage).

    • Shield 65 → Balanced option (RM400 deductible).

    • Shield 75 → Higher take-home earnings (75%), but fewer perks and higher deductible (RM2,000).

  • A deductible is the amount you must pay to TREVO for every claim approved by TREVO’s insurer, even if the incident is not your fault.

    • Shield 60 → RM0 deductible

    • Shield 65 → RM400 deductible

    • Shield 75 → RM2,000 deductible

    👉 Deductible is the fee payable to TREVO in facilitating your insurance claim filing.

    • Deductible is the fee payable to TREVO in facilitating your Insurance claim filing.

    • For example, in the case of Shield 60, TREVO Shield offers 0 (Zero) Deductible where you are supposedly financially responsible for in other Plans, in the event of physical damage to your car during a TREVO trip, you’re eligible for reimbursement.

  • All Shield plans include up to RM3 million in third-party property liability coverage.

  • All Shield plans include towing and roadside assistance to Allianz-approved workshops.

  • Yes. All Shield plans cover fire and theft up to the insured vehicle value.

    • Shield 60 & 65 → Free TREVO Track subscription.

    • Shield 75 → RM15/month.

  • Yes, but only for Shield 60.

    • Both loss of income and replacement car benefits are capped at 2% of the insured value annually, with a per-accident cap:

      • 1st accident → 1.2%

      • 2nd accident → 0.8%

  • Loss of income is calculated from the date the vehicle is sent to the workshop.

    • Shield 60 & 65 → Yes (via TREVO promo code).

    • Shield 75 → Not included.
      Subject to the same annual caps as “loss of income” above.

    • Shield 60 provides a one-off payout if you lose your No Claim Discount (NCD) after an accident claim.

    • Shield 65 & 75 → Not included.

  • Daily P2P Protection ensures your car has continuous coverage while being listed and booked on TREVO:

    • Shield 60 & 65 → Free (100% paid by TREVO).

    • Shield 75 → Shared (Host pays RM3 per booking day, TREVO covers the remaining RM3)

    1. Your car will automatically have continuous daily coverage while being listed and booked on TREVO platform:

      • Shield 60 & 65 → Free (TREVO pays 100%)

      • Shield 75 → Shared (RM3/day Host + RM3/day TREVO)

    • Yes, you still have to choose a Shield plan when you share your car on TREVO.

    • If you haven't listed your car on the app, you can choose a TREVO Shield plan during the listing process.

    • If it's an existing listing and you have not selected a Shield Plan, you can contact us via live chat.

    • Seasonal Promos (festive/national campaigns) → 100% paid by TREVO.

    • Guest’s First Booking Promo:

      • Shield 60 & 65 → Fully covered by TREVO.

      • Shield 75 → Host pays 20% (capped at RM4), TREVO covers the rest.

    • Shield 60 & 65 → Yes, includes:

      • Free Daily P2P coverage

      • Access to partnership deals

      • Dedicated Supply Consultant support

    • Shield 75 → Not included.

    • Hosts (excluding Commercial Hosts) are protected against physical damages, fire, and theft up to the insured value of the vehicle.

    • TREVO will handle the insurance claims process with Allianz, with assistance from Hosts as required.

    • For post-trip damages, TREVO will assist with investigations alongside Allianz panel inspectors and police if necessary.

  • No. TREVO Shield only applies when a Guest is driving your car.
    When you drive your own car, you are covered under your personal Allianz motor insurance policy.

  • Yes. Third-party injury claims are covered under your Allianz (Guard) insurance policy.

  • Yes. TREVO Shield works alongside Allianz (licensed under Bank Negara Malaysia and PIAM), ensuring compliance with Malaysian law.

How to choose a TREVO Shield (for new listings)

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