Introduction
These days, the cheapest insurance isn’t always the best — and the most expensive one doesn’t automatically mean full coverage either.
That’s why it’s smart to compare car insurance prices and coverage options before you renew.
With platforms like BJAK, you can do everything online — no paperwork, no hassle.
1. Enter Your Vehicle and Owner Details
Start by entering your car plate number and IC number on BJAK’s website.
The system automatically pulls data from JPJ and suggests matching insurance plans for your vehicle.
No need to search by car model manually — the results show up instantly and accurately.
2. Compare Multiple Insurance Companies at Once
BJAK displays quotes from top insurance companies in Malaysia such as Allianz, Etiqa, Takaful Malaysia, and Zurich — all side by side.
You can view details like:
- Annual premium price
- Type of plan (Third Party, Third Party Fire & Theft, Comprehensive)
- Add-ons included or excluded
Then just compare based on your budget and how much protection you actually want.
3. Check Add-Ons and NCD Eligibility
Many people forget this part. A plan may look cheap, but it might not include flood, windscreen, or all-drivers coverage.
Always check what’s included before paying.
Also, make sure your No Claim Discount (NCD) is applied correctly — that alone can reduce your premium by up to 25%.
4. Watch Out for Special Conditions or Extra Charges
Some insurers charge extra for drivers under 25 or those with a P-license.
Read the Terms & Conditions carefully so you’re not caught off guard.
On BJAK, these extra fees are shown upfront before you confirm payment — no hidden surprises.
5. Choose Your Plan and Pay Online
Once you’ve picked the plan that fits, proceed to online payment.
Your digital policy will be issued instantly and sent straight to your email or WhatsApp.
If you want to renew your roadtax at the same time, you can do that too — all in one go.
Conclusion
When you compare car insurance prices it isn’t just about chasing the lowest number — it’s about getting real value for your money.
With BJAK, you can do all that in just a few minutes: fast, transparent, and completely online.
Read More:
Effects Of Overinsured & Underinsured On Your Claim
