Introduction
Shopping for car insurance can be confusing if you only look at price. But understanding Key Benefits of Comprehensive coverage will come along way of putting your mind at ease. Through Bjak, you can explore panels like Takaful Malaysia, Takaful IKHLAS, Liberty, and Allianz, compare them side by side, and see the Key Benefits of Comprehensive Car Insurance so you can choose the plan that really fits your needs.
1. Complete Vehicle Protection
Comprehensive insurance doesn’t just protect other people — it looks after your car too. Whether it’s damage from an accident, theft, or even a flood, your vehicle is usually covered.
- Included in Bjak policies: All four panels provide this standard coverage.
- Why it’s important: You won’t have to scramble to pay for repairs or replacements unexpectedly. It’s peace of mind in practical terms.
2. Towing & Roadside Assistance
Most comprehensive plans come with towing and roadside help, but the details vary between insurers — like how far your car can be towed or which drivers are covered.
| Panel | Towing / Roadside Benefit |
| Takaful Malaysia | Unlimited towing, capped at 50 km per trip |
| Takaful IKHLAS | Free towing, up to 100 km |
| Liberty | Unlimited towing via EZY Plus / Auto365 packages |
| Allianz | Towing up to 150 km per trip, plus coverage for 10 named additional drivers |
- Example: Allianz allows towing up to 150 km per trip and includes coverage for up to 10 named additional drivers.
- Why it matters: If you frequently take long drives, these differences can actually save a lot of time and hassle.
3. Coverage for All Drivers
One standout feature is how insurers handle additional drivers.
- Takaful Malaysia: Offers free all-driver coverage, so any legal driver can drive your car without being listed on the policy.
- Other panels: You generally need to name additional drivers.
- Why it’s practical: Great for families or cars shared between multiple people.
4. Additional Benefits & Incentives
Some panels also give extra perks or incentives that make them more attractive:
| Panel | Extra Benefits |
| Takaful Malaysia | Cashback if you renew two years in a row via Bjak |
| Takaful IKHLAS | 10% online rebate |
| Liberty | Flexible EZY Plus & Auto365 plans, including benefits like CART, child seat coverage, windscreen protection, and e-hailing coverage |
| Allianz | Standard benefits plus coverage for 10 additional drivers and towing up to 150 km |
5. Easy Comparison & Purchase via Bjak
Bjak makes comparing different panels simple. You can see everything in one place and pick the plan that suits you best.
- Tip: Policies can be issued instantly, digital roadtax can be delivered straight to you, and VIP Road Assist (one-time unlimited towing for first-party coverage) is included for added convenience.
Conclusion
Understanding the key benefits of comprehensive car insurance and utilizing the policy to the fullest extent not only help in understanding how it protects your car and the people in it. Moreover, using the perks provided when purchasing certain panels through Bjak will enhance your comprehensive coverage even further. Once you’ve done your research you are able to understand the key difference between each insurer and their comprehensive coverage services offered. In doing so you will know that the one you’ve chosen has more value and gives you peace of mind.
Read More:
Best Car Insurance Malaysia 2025
