Introduction
Have you ever noticed the word LLOP when renewing your car insurance and wondered, “What exactly is this?”
You’re not alone — many Malaysian drivers spot LLOP in the optional coverage list but aren’t sure what it actually does or if they need it.
To make things clearer, let’s unpack what LLOP car insurance Malaysia really means, when it matters, and why many experts recommend turning it on for extra protection.
1. What Does LLOP Mean in Car Insurance?
LLOP stands for Legal Liability to Other Passengers — a small but powerful add-on that protects you if your passengers are injured or killed in an accident and decide to sue you as the driver.
Put simply, if you cause an accident and your passenger files a claim against you for negligence, your standard third-party policy won’t cover it — but with LLOP, your insurer will step in and handle the legal liability for you.
But if your policy includes LLOP, your insurer will handle the claim on your behalf.
2. Is LLOP Compulsory?
By law, LLOP is not mandatory, but many drivers choose to include it because:
- It’s very affordable, usually around RM7–RM10 per year.
- It protects you from potential lawsuits worth thousands of ringgit.
- It’s ideal for drivers who often carry passengers — like family members, colleagues, or employees.
So while JPJ doesn’t require it, it’s still considered an important add-on for comprehensive protection.
3. Who Should Consider LLOP?
You should definitely consider LLOP if you:
- Frequently drive with passengers.
- Use a company car shared by multiple drivers.
- Work as an e-hailing driver (Grab, inDriver, Maxim, etc.) — some platforms even make it mandatory.
If you mostly drive alone, LLOP might not be essential — but for most daily drivers, it’s a small cost for big peace of mind.
4. Difference Between LLOP and Comprehensive Insurance
| Coverage Type | Comprehensive | LLOP |
| Covers your own car | Yes | No |
| Covers third-party damages | Yes | Yes |
| Covers passenger lawsuits | No | Yes |
| Legally required | Yes | No |
| Additional cost | Included in premium | RM7–RM10 per year |
5. How to Add LLOP When Renewing Insurance
It’s now very easy to include LLOP during renewal — especially online through platforms like BJAK.my or MyEG.
Here’s how:
- Go to BJAK.my.
- Enter your car plate and IC number to check quotes.
- Choose your preferred insurance plan.
- Tick the box for “Legal Liability to Other Passengers (LLOP)”.
- Confirm and make payment online.
You’ll receive your updated policy instantly via email or WhatsApp, complete with proof of LLOP coverage.
6. When You Might Not Need LLOP
If you rarely carry passengers — for example, you drive alone to work every day — this coverage might not be essential.
Still, since the price is so low, many drivers add it anyway for extra peace of mind.
Conclusion
While LLOP car insurance Malaysia isn’t mandatory, it’s a smart choice for added protection.
For just a few ringgit a year, you can avoid hefty legal costs if a passenger decides to sue after an accident. When you next renew your insurance, check if LLOP is included in your policy — a small add-on that can make a huge difference when it matters most.
Read More:
What Is Third Party, Fire & Theft Insurance in Malaysia
