If you’re between 21 and 30 years old, navigating car insurance for the first time can be overwhelming. Whether you’re buying your first policy or renewing an existing one, this guide breaks down everything young drivers in Malaysia need to know—clearly and practically.
Why Car Insurance Is Important
Car insurance is more than just a legal requirement. It protects you from:
- High repair costs due to accidents
- Third-party claims
- Major losses from theft, fire, or floods
Without valid insurance, you also won’t be able to renew your roadtax with JPJ.
Common Challenges Young Drivers Face
- Higher Premiums
Drivers in their 20s are often considered high-risk due to less experience. - Unfamiliarity with Coverage Types
Many young drivers aren’t sure whether to choose comprehensive or third-party insurance. - Lack of Claims Experience
Uncertainty around what to do in case of an accident or breakdown.
Types of Car Insurance to Consider
Comprehensive Insurance
- Covers damage to your own car and to third parties
- Recommended for newer or higher-value vehicles
Third-Party Insurance
- Covers damage you cause to others
- Cheaper, but does not protect your own vehicle
How to Save Money as a Young Driver
- Compare Quotes with BJAK
BJAK lets you review multiple insurance providers and get the best rates online. - Use Your No Claim Discount (NCD)
If you haven’t filed any claims, you can enjoy discounts of up to 55%. - Choose Add-Ons Wisely
Optional coverage for windscreen, flood damage, or personal accidents can be useful—but only get what you really need. - Match Coverage to Your Lifestyle
If you drive less, you don’t need to overpay for high coverage.
Where to Buy: BJAK
BJAK is a trusted platform in Malaysia that allows you to renew your car insurance and roadtax fully online.
Insurers currently available on BJAK:
- Takaful Malaysia
- Takaful Ikhlas
- RHB Insurance
- Allianz
Note: BJAK does not currently offer plans from providers like Etiqa, MSIG, or Generali.
How to Buy Insurance Online via BJAK
- Visit https://bjak.my
- Enter your vehicle and personal details
- Compare insurance plans and prices
- Select your preferred coverage
- Pay online
- Receive your e-policy via email
Final Takeaway
While car insurance for young drivers may cost more, you can still save with smart comparisons and proper planning. Platforms like BJAK make the process quick and convenient—letting you stay protected without the paperwork.
Read more:
Third Party vs Comprehensive Car Insurance: Which One Should You Choose?
Unlimited Towing di Malaysia? Ini Cara Dapat Dengan BJAK VIP Rescue
Pacific Insurance Car Coverage – Is It Good Value for Your Money?
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