Introduction
When renewal time comes around, most people ask the same thing — should I take comprehensive insurance or just third party? They sound almost the same, right? But the truth is, the coverage, cost, and purpose are quite different once you look closer.
What Is Comprehensive Insurance?
Comprehensive insurance (or insuran komprehensif) is basically the full package. It covers damages to other people and your own car.
Imagine you accidentally hit a pole or get involved in a minor collision — this plan will pay for both vehicles’ repairs. Most comprehensive policies can also be upgraded with add-ons like flood protection, windshield coverage, or towing service. It’s the kind of plan that gives peace of mind, especially for newer cars.
What Is Third Party Insurance?
Third party insurance, on the other hand, only covers losses or injuries suffered by others if you’re at fault. If your own car gets damaged? You’re on your own — no payout.
Because of that, third party insurance is cheaper, but also very basic. It’s mainly for those who want to stay legal on the road without spending much.
Which One Should You Choose?
If your car is still new or has a high market value, go for comprehensive. It’s worth the premium since you’re fully covered for accidents, theft, and even natural disasters.
For older cars, especially those over 10 years old, a third party plan might be enough. Many Malaysian drivers prefer it to save money while staying insured.
Conclusion
To sum up — comprehensive protects you and your car, while third party protects others. Choosing between them depends on how much your car’s worth and how much you’re willing to spend.And if you want an easy way to compare prices from top insurers, just use BJAK. You can renew both your insurance and roadtax online, all in one go.
Read More:
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