Introduction
Different types of cars require different insurance coverage. Guide to Choosing Insurer based on car type helps drivers pick policies suitable for their car’s value, area risk, and daily usage needs. This approach prevents overpaying and ensures maximum protection.
BJAK simplifies comparing policies from insurers like Allianz, Tokio Marine, Liberty, MSIG, and RHB, so every car type gets the right protection.
Factors When Choosing an Insurer by Car Type
- Car Value – new or premium cars need full comprehensive coverage with add-ons.
- Vehicle Type – CBU (fully imported) vs CKD (locally assembled) affects premium and coverage options.
- Daily Use – daily-driven cars require balanced policies between cost and coverage.
- Area Risk – flood, theft, or accident risk; select relevant add-ons.
- NCD History – ensures premiums are calculated fairly and accurately.
Recommended Policies by Car Type
- Premium / Imported Cars – full comprehensive, add-ons like Key Care, VIP Rescue, Warranty.
- Daily Cars / Sedans – standard comprehensive, add-ons as needed, lower premium cost.
- Older Cars / 10+ Years – minimum coverage or standard Takaful, avoid expensive or impractical add-ons.
Why Tailor Policies
- Avoid overpaying for premiums
- Ensure coverage matches real risks
- Simplify claims and repair process
- Maximize add-on benefits according to car type
BJAK helps select the most suitable policy based on car type and area risk, making the process easier and transparent.
Conclusion
With this guide to choosing an insurer based on car type, Malaysian car owners can confidently make informed decisions. By understanding their vehicle’s needs, they ensure it receives the right coverage, enjoy more cost-effective premiums, and use add-ons more efficiently. Moreover, BJAK streamlines the entire process, making it easier for every car type to stay protected in the most suitable and practical way.
Read More:
Covered or Not? Car Damaged in Rain But Not Flooded
