Comprehensive car insurance for the BYD Dolphin (OTR ~RM100,530-RM125,530 in Peninsular Malaysia) typically costs about RM1,500-RM2,700 per year for a new car with 0% NCD, depending on sum insured and driver profile. EV premiums are comparable to petrol equivalents. Premiums reduce as your NCD builds to 55%. Indicative estimate — get a quote from insurers (Allianz, Etiqa, MPI, Zurich) or your BYD dealer. Price from BYD Malaysia.