Introduction
A lot of car owners in Malaysia just buy insurance because they have to — not because they fully get what they’re paying for.
But here’s the thing: the best car insurance isn’t always the cheapest one. It’s the one that actually suits how you drive and what you need.
With so many choices out there, it helps to know how to compare each plan before you click “renew.”
1. Know the Main Types of Coverage
In Malaysia, there are basically three main kinds of car insurance:
- Comprehensive (1st Party): protects both your own car and the other party’s car.
- Third Party, Fire & Theft: covers losses to others plus damage to your car if it’s stolen or catches fire.
- Third Party Only: the most basic type — it only pays for the other party’s losses.
Tip: If your car is still under financing or relatively new, a Comprehensive plan is usually mandatory — and strongly recommended.
2. Set Your Budget and Vehicle Value
Your car’s market value determines the yearly premium.
Don’t under-insure (choose a value that’s too low) — it can reduce your payout in case of an accident.
Use platforms like BJAK to compare quotes from different insurers and get an accurate estimate based on your vehicle model.
3. Understand the Add-Ons You Need
Add-ons provide extra coverage depending on your situation. Examples include:
- Flood Protection (Special Perils) – essential if you live in a flood-prone area.
- Windscreen Coverage – replacement without affecting your NCD.
- All Drivers – allows other drivers to use your car without affecting your claim rights.
- Personal Accident (PA) – compensation for driver or passenger injuries.
4. Check Reputation and Claim Convenience
A good insurance plan isn’t just about being cheap — it’s about being easy to deal with when you need to make a claim.
Look at user reviews, claim processing time, and company reputation.
Platforms like BJAK display full details for each plan, including VIP Rescue policies and roadside assistance availability.
5. Compare Before You Buy
Never buy from the first option you see — compare at least three plans.
BJAK helps you compare premiums, add-ons, and coverage periods automatically.
You can also check your NCD status and renew instantly with digital e-roadtax.
Conclusion
Choosing the best car insurance isn’t just about price. It’s about finding protection that fits your needs, location, and budget. Use official platforms like BJAK to compare plans, review benefits, and get a valid policy with instant coverage — all through a simple, secure process.
Read More:
Benefits Of Renewing Roadtax Online Via Bjak
