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Insurers That Offers Easy Car Replacement Option When Accidents Occur

Insurers That Offers Easy Car Replacement Option When Accidents Occur

Why Easy Car Replacement Matters

After an accident or major breakdown, your vehicle might take days—or even weeks—to repair. Without a replacement car, your daily routine can be severely disrupted, especially if you depend on your vehicle for work, school runs, or family needs.

That’s where the car replacement benefit comes in—some insurers in Malaysia offer temporary car replacement or car rental coverage while your car is in the workshop.


What Is a Car Replacement Benefit?

A car replacement benefit usually refers to:

  • Temporary vehicle replacement (usually up to 5–10 days)
  • Rental car reimbursement if the insurer doesn’t provide a vehicle
  • Often included as an add-on to comprehensive (first party) policies

Comparison: Insurers Offering Easy Car Replacement in Malaysia

Comparison: Insurers Offering Easy Car Replacement in Malaysia
Insurance Provider
Car Replacement Duration
Type of Service
Notes
Allianz
Up to 10 days
Replacement car provided
Must add Auto Assist Plus
Zurich
5–7 days
Car replacement or reimbursement
Available under Z-Driver add-on
Takaful IKHLAS
Up to 10 days (optional add-on)
Rental car reimbursement
Included with IKHLAS Auto Assist
Bjak (Platform)
Varies by insurer
Select insurers offer car replacement add-ons
Check availability during online quote
Not all policies include this by default. Always check for “auto assist” or “car replacement” as an optional add-on when purchasing.

Does Bjak Offer This Feature?

Bjak itself is not an insurance provider, but a comparison platform. However, through Bjak:

  • You can view quotes from insurers that offer car replacement add-ons
  • Filter policies based on features like roadside assistance, towing, and car replacement
  • Get the policy instantly if no issues with vehicle or owner details

Tips Before Buying

  • Make sure the replacement duration suits your needs (some limit to 3–5 days)
  • Confirm whether it’s reimbursement or an actual car provided
  • Always read the fine print—some benefits only apply if accident repairs take longer than 24 hours

Summary

Choosing a car insurance policy with an easy car replacement feature ensures you stay mobile, even when your car isn’t. Compare policies via Bjak or directly with providers like Allianz and Zurich to find the right plan for you.

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