Many car owners renew their insurance without comparing prices first — only to realise later they overpaid by RM200 or more. The truth is, this can easily be avoided by using a car insurance calculator before renewing your policy.
1. What Is a Car Insurance Calculator
A car insurance calculator is an online tool that helps you estimate your insurance premium based on:
- Vehicle type & year
- NCD (No Claim Discount)
- Current market value
- Type of coverage (Third Party / Comprehensive)
In Malaysia, you can use calculators on Bjak, MyEG, or official insurer websites — but Bjak stands out as the fastest since it displays quotes from multiple insurers in one place.
2. Advantages of Using a Car Insurance Calculator
| Benefit | Explanation |
| Save Time | No long forms or agent visits — everything is online. |
| Compare Prices | Instantly see premium differences between insurers like Allianz, AXA, Etiqa, and more. |
| Automatic NCD Calculation | No need to know your rate manually — it’s added automatically. |
| Accurate Estimates | Based on actual JPJ data and current market value. |
| One-Step Renewal | Choose your policy and pay online in one smooth process. |
3. When to Use the Calculator
Use it when:
- Your policy is about to expire (within 1 week to 1 month)
- You’ve purchased a new vehicle
- You want to check current premium rates for budgeting
Tip: Enter your number plate on Bjak.my to instantly view available plans — complete with NCD details and special discount offers.
4. Extra Perks on Bjak
Bjak is more than just a calculator — it also:
- Auto-calculates your premium & NCD
- Provides instant quotes from multiple insurers
- Sends a digital policy link right after payment
- Offers VIP Rescue (one-time unlimited towing per year)
Conclusion
A car insurance calculator isn’t just a price-checking tool — it helps you make smarter, faster, and more cost-effective renewal decisions.
For the quickest and most accurate option, use Bjak’s calculator — get the real price instantly with no extra fees.
Read More:
What Is NCD in Car Insurance & How It’s Calculated
