Insurance Learning Hub
Understand car insurance before you renew
Simple guides to help you compare coverage, choose add-ons, renew roadtax, and understand claims in Malaysia.
Car insurance for different needs
Find car insurance guides based on your vehicle, usage and personal needs.
EV car insurance in Malaysia
Compare EV car insurance and check whether the policy covers the battery, charger, cable and other EV-specific risks.Learn more about EV insuranceE-hailing car insurance
If you drive for Grab, inDrive, Maxim or another e-hailing platform, check for cover that allows e-hailing use.Learn more about e-hailing insuranceCar insurance for foreigners in Malaysia
Find car insurance options for a vehicle registered in Malaysia when the owner is a non-Malaysian.Learn more about car insurance for foreignersBusiness and company car insurance
If a car is company-registered or used for business, choose insurance that matches the vehicle's declared use.Learn more about company car insuranceUsed car insurance
Arrange insurance for a second-hand car and make sure the policy details match the registered owner.Learn more about used car insuranceMileage-based car insurance
Don't drive much? Check whether a mileage-based plan can lower your premium while keeping comprehensive cover.Learn more about mileage-based car insuranceCar insurance guides
69 guides across 8 topicsCar insurance basics
9 guides- Car Insurance for Used Cars, New Cars and Special CasesUsed cars, new cars without a plate number, life after a total loss, NCD transfers and change of use.
- Car Insurance Premium Breakdown: Base Premium, Loading, NCD, SST and Stamp DutyBase premium, loading, NCD, add-ons, 8% service tax and RM10 stamp duty, with a worked example of how they add up.
- How to Choose Car Insurance: What Matters at Claim TimeWhat matters at claim time, and what to compare beyond the price.
- How to Read a Product Disclosure Sheet (PDS) for Car InsuranceWhich sections to check before you buy: cover type, sum insured, exclusions, excess and add-on limits. How it differs from the policy wording.
- How to Renew Car Insurance in Malaysia and Save MoneyCheck your NCD, sum insured, add-ons and final price before you pay, and when to switch insurers.
- Market value vs agreed valueHow each one decides your payout if your car is stolen or written off.
- Multi-Vehicle Car Insurance: How to Insure More Than One Car in MalaysiaEach car needs its own policy, NCD and renewal date. How NCD works across cars, when a fleet policy applies, and what to check for each car.
- Sum insuredThe value your car is insured for, and why it matters at claim time.
- Voluntary ExcessAgree to pay more of a claim for a lower premium. When it pays off, and how it differs from compulsory excess.
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Types of car insurance
3 guides- Comprehensive Car InsuranceFirst-party, full cover: the policy most Malaysian drivers hold, and what is and isn't inside it.
- Third Party Car Insurance in MalaysiaThe legal minimum: what it pays for, and what it leaves you to pay yourself.
- Third Party Fire & Theft (TPFT) Car InsuranceThird-party cover plus fire and theft, without cover for accident damage to your own car.
Add-ons
20 guides- All Drivers Car InsuranceWhat happens when an unnamed driver has an accident in your car, and how to cover it.
- Battery Cover: What Happens If Your EV Battery Fails?Battery failure is not automatically covered. What insurance, Special Perils and the warranty each pay for.
- Car Key Replacement CoverLost, stolen or damaged keys, smart keys included. What the cover pays for and the limits to check.
- Compensation for Assessed Repair Time (CART) for Car InsuranceCompensation for the days your car is being repaired, based on assessed repair time, not days in the workshop.
- Daily Hospital IncomeA fixed cash allowance for each eligible day in hospital after a covered accident, not a refund of your hospital bill.
- Daily vs Annual E-Hailing Insurance: Costs, Coverage & DifferencesDaily cover for occasional drivers, annual cover for regular ones. What each costs and which insurers offer them on BJAK.
- Do You Need E-Hailing Cover for Part-Time Driving?Driving only on weekends or after work still needs e-hailing cover. When daily cover may cost less, and what to check before your first booking.
- E-Hailing Endorsement: How to Add It to Your PolicyA private car policy may not cover paid trips. How to add e-hailing cover before you take passengers.
- Flood Towing and CleaningTowing and professional cleaning after a flood, separate from Special Perils. Which insurers offer it and how to claim.
- Home Charger and Charging Cable Cover: What Does It Protect?Your EV policy may not cover a home wall charger or portable cable. What this cover pays for, typical limits, and where home insurance fits in.
- Legal Liability of Passengers for NegligenceWhen your passenger's carelessness injures someone else, like opening a door into a passing motorcyclist.
- Legal Liability to PassengersComprehensive cover does not protect you from claims by your own passengers. This add-on can.
- NCD Relief or Protector Add-OnOne own-damage claim can reset a 55% NCD to 0%. How NCD Relief and NCD Protector soften that.
- Personal Accident vs Personal Accident for All: What's the Difference?The PA add-on on your car policy vs the standalone PA for All plan: who each covers, what it pays and what it costs.
- Special Perils Car Insurance: Flood, Storm & Natural Disaster CoverNo comprehensive policy covers flood, storm or landslide by default. The add-on that does, and what it costs.
- Strike, Riot & Civil Commotion (SRCC)Comprehensive cover may not pay for riot or strike damage to your car. What SRCC covers and what it costs.
- Tyre & Rims CoverPothole, kerb and road debris damage to tyres and rims. What the add-on can pay for, and what reduces a payout.
- Vehicle Break-In CoverComprehensive cover does not automatically pay for belongings stolen from your car. What AIG's break-in add-on can reimburse.
- Waiver of BettermentOn a car 5 years or older, you pay 15% to 40% of new original parts in a claim. This add-on waives that share.
- Windscreen InsuranceA cracked windscreen is the most common claim on a Malaysian car policy. What the cover does.
Road tax
3 guides- Renew Car Insurance and Road Tax TogetherYour insurance has to be active before road tax can be renewed. How to do both in one go.
- Road Tax for Imported and Reconditioned Cars in MalaysiaRecon and imported cars pay road tax by engine capacity like any other car. Worked examples and what to check.
- Road Tax Price by Engine Capacity: Full Table 2026Road tax is charged on engine capacity, and the whole structure changes at 1,600cc.
Claims
14 guides- Bodily Injury Claims: How Compensation WorksHurt by another driver: claiming against their insurer, what you can claim, the deadline, and help from MIB and PERKESO.
- Can I make a claim if I bought my insurance through BJAK?Yes. Your claim goes to the insurer that issued the policy, as if you had bought direct.
- Car Accessories and Modifications: Are They Covered?Dashcams, rims and body kits are not automatically covered. What to declare to your insurer, and why.
- Car Insurance Claim ProcessPolice report within 24 hours, then six steps to a claim. The documents you need, and what to do if it is rejected.
- Car Theft & Total Loss ClaimsPolice report first, then the insurer. What a stolen or written-off car pays out, and what happens to the loan.
- Claiming Against a Foreign-Registered Vehicle in MalaysiaHit by a Singapore or Thai car: what to do at the scene, claiming from a foreign insurer or your own policy, and why KfK may not apply.
- Claiming for Flood Damage: Step-by-Step GuideDo not start a flooded car. The seven steps to a flood damage claim, and what Special Perils may pay for.
- How Long Does a Car Insurance Claim Take?No fixed timeline, but simple claims can settle in weeks. The five steps, and what holds a claim up.
- Motor Takaful Claims: Process, Requirements and PayoutsClaiming on a takaful certificate: the six steps after an accident, the documents, OD vs KfK vs TPPD, and FMOS if it is rejected.
- Own Damage vs Third-Party Claim: Which Should You File?Claim on your own policy, the other driver's insurer, or knock-for-knock. Which route fits, and what each does to your NCD.
- Panel vs Non-Panel Workshop: What Changes for Your Claim?Panel workshops are approved by your insurer; a non-panel one may need approval first. What changes for your claim, payment and warranty.
- Total Loss: How Your Payout Is CalculatedMarket value or agreed value decides the payout. A worked example, and what happens if the loan is higher.
- What Happens If the Other Driver Has No Insurance?Who pays for your repairs when the driver who hit you is uninsured, and what it means for your NCD.
- Who handles my claim: BJAK or the insurer?The insurer assesses and pays it. What BJAK does after an accident, and what it cannot decide.
Roadside assistance
5 guides- BJAK Digital Road Assist (DRA): Help When You Need It on the RoadBreakdown, towing or a claim to chase: how eligible BJAK customers request help and track it digitally.
- BJAK Replacement Vehicle: Eligibility, Documents and How to ApplyA rental car for up to 5 days (RM1,000) while yours is repaired after an accident you did not cause: who qualifies and how to apply.
- Roadside Assistance by Insurer: What Each Partner IncludesTowing caps for all 16 partners on BJAK, in km or ringgit, and how to read one before you need a tow.
- Roadside Assistance Exclusions: When Help Isn't CoveredWhen your insurer may refuse roadside help: self-arranged tows, distance caps, islands, special equipment and extra charges.
- Roadside Assistance for EVs: Charging Rescue and Flatbed TowingWhy some EVs need a flatbed, which add-ons tow or charge a flat battery, and what to check before you need help.
Motor takaful
7 guides- Can You Switch From Insurance to Takaful at Renewal?Your NCD carries over. How to move from conventional insurance to takaful at renewal without a gap in cover.
- Motor Takaful Add-Ons: Optional Benefits ExplainedWindscreen, special perils, PA, CART and more: which add-ons Takaful Malaysia, IKHLAS and Zurich list, and what each one pays for.
- Motor Takaful Contributions: How Prices Are CalculatedWhat sets your contribution: sum covered, NCD, add-ons and risk profile, and where the wakalah fee and tabarru' fit in.
- Tabarru' Fund and Surplus in Motor Takaful: How Does It Work?Where your tabarru' goes, what happens when the fund runs a deficit, and how each operator shares a surplus.
- Takaful IKHLAS Motor: Cover and PricingWhat IKHLAS motor takaful covers, what drives the contribution, and the add-ons to compare.
- Understanding Motor Takaful: Principles, Benefits and ProtectionThe shared fund behind motor takaful: tabarru', the wakalah fee, claims and surplus, and what stays the same as car insurance.
- Which Takaful Operators Does BJAK Compare?Takaful Malaysia, Takaful IKHLAS and Zurich Takaful, compared side by side with conventional cover.
BJAK Data Insights
8 guides- Average Car Insurance GWP by Insurer in MalaysiaMedian, P25 and P75 premiums for 14 insurers, from Comprehensive and TPFT car policies sold on BJAK in June to August 2026.
- Average Car Insurance Price in Malaysia by Car Model on BJAKEstimated average and median prices for the 10 car models quoted most on BJAK.
- Average Motorcycle Insurance GWP by Insurer in MalaysiaMedian, P25 and P75 premiums for 12 insurers, from motorcycle Comprehensive and TP policies sold on BJAK in June to August 2026.
- Average Savings on Car Insurance After Comparing InsurersHow far the lowest quote sits below the median one on BJAK, overall and for 10 popular car models.
- EV vs Petrol Car Insurance in MalaysiaAverage and median premiums for EVs against petrol cars, and for 10 EV models, in BJAK's quote data.
- Flood Cover Take-Up in MalaysiaSpecial Perils' share of BJAK add-on sales each year since 2021, and what flood cover protects.
- Hit-and-Run Accidents: What Your Car Insurance CoversPolice report within 24 hours. How to claim when the other driver drives off, and what it means for your NCD.
- Most Selected Car Insurance Add-Ons Among BJAK CustomersThe 8 add-ons BJAK customers pick most often, ranked by pickup rate, and what each one covers.
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