Introduction
Many vehicle owners in Malaysia are used to “just renewing” insurance and not compare car insurance from other panels. But did you know that each insurance company offers different rates, benefits, and discounts? With proper comparison, you can save hundreds of ringgit per year without compromising coverage.
1. Each Insurance Company Assesses Risk Differently
Each panel like Allianz, Takaful Malaysia, Zurich, or Etiqa has its own way of evaluating risk.
Factors such as vehicle age, location, and NCD record affect premiums.
By comparing through BJAK, you can see rates from multiple panels in one place — without filling out forms repeatedly.
2. Price Differences Can Reach Hundreds of Ringgit
For the same car model, the premium difference between companies can reach RM300–RM600 per year.
With the BJAK Calculator, you can check instantly and choose the most worthwhile policy according to your budget and needs.
BJAK Tip: Low price doesn’t always mean weak coverage — choose a balance between cost and benefits.
3. Additional Benefits Differ Between Policies
Some policies come with extra perks such as:
- Free towing (like BJAK VIP Rescue)
- Windscreen coverage
- Flood or natural disaster coverage
By comparing early, you can ensure important benefits are included without hidden fees.
4. Avoid Losing NCD or Active Coverage
Late renewal can cause gaps in coverage or even worse NCD dropping.
BJAK helps check and transfer your NCD automatically during comparison — so you don’t lose up to 55% discount already accumulated.
5. Faster & Transparent Process
Comparing on BJAK.my only takes a few minutes. You can:
- Enter your vehicle number plate
- View all quotes from multiple companies
- Select and pay online
The policy will be delivered via WhatsApp & email, complete with eCoverNote and a digital roadtax link.
Conclusion
When you compare car insurance it is not just about price — it’s about coverage and peace of mind. With BJAK, you can check, compare, and purchase the best policy in one place. No need to fill out multiple forms, no need to wait for agents — everything is fast, transparent, and guaranteed valid by licensed insurance panels.
Read More:
Roadtax & NCD: Relationship in Determining Insurance Premiums
