Introduction
Car insurance calculator in Malaysia, what is it? Really the calculator is a tool to help to calculate your insurance premium and estimate the best prices when comparing your vehicle on online quotation platforms. With just your vehicle details you can view various quotations from various insurers saving you time and money when making the right decision.
1. What Is a Car Insurance Calculator?
The Car insurance calculator is a tool that uses your vehicle details to guesstimate your insurance from various factors such as NCD and vehicle location.
Here’s what most calculators (such as Bjak’s) typically consider:
| Factor | Description |
| Vehicle details | Type, brand, model, year of manufacture |
| Driver’s NCD (No Claim Discount) | Affects total discount percentage |
| Coverage type | Third Party, Fire & Theft, or Comprehensive |
| Location | Region where the vehicle is registered |
| Sum insured | The car’s market or agreed value |
2. How to Use a Car Insurance Calculator in Malaysia
You can easily try it on Bjak.com, which provides real-time premium comparisons:
| Step | Action | Example |
| 1 | Enter car plate number | VAA1234 |
| 2 | Select coverage type | Comprehensive |
| 3 | Confirm car details & NCD | 55% NCD |
| 4 | View & compare quotes | Allianz, AXA, Etiqa, Zurich, etc. |
3. Why Use an Online Insurance Calculator?
| Benefit | Description |
| Transparent Pricing | Instantly compare multiple insurance companies. |
| Smart Decision | Choose between Third Party or Comprehensive based on your needs. |
| Personalized Estimate | Based on real-time market data and your NCD. |
| One-Stop Renewal | Renew insurance and roadtax together via Bjak. |
4. Example: Premium Comparison Based on Coverage Type
| Coverage Type | Basic Protection | Example Annual Premium (RM) | Best For |
| Third Party | Covers damage to others only | 300 – 500 | Old vehicles or minimal use |
| Third Party, Fire & Theft | Adds theft/fire protection | 500 – 800 | Budget-conscious users |
| Comprehensive | Covers own car + others | 900 – 1500 | New or financed vehicles |
5. Where to Find a Trusted Calculator
You can access the Bjak Car Insurance Calculator for free to check your real-time premium. It’s integrated with direct insurer systems, meaning you’ll get accurate prices — not just estimates. You can also renew instantly after comparing.
6. FAQ: Car Insurance Calculator Malaysia
Q: Is the premium shown final?
A: Yes, if all your details are correct, the price reflects your actual payable premium.
Q: Can I buy directly after using the calculator?
A: Yes, on Bjak you can proceed to payment and receive your e-policy instantly.
Q: Does the calculator include roadtax renewal?
A: Yes, you can renew both insurance and roadtax together in one go.
Conclusion
A Car Insurance Calculator Malaysia simplifies your insurance shopping experience. Instead of going to every single insurer to compare premiums, it can all be done via an online platform for quick accurate decisions based on your budget and coverage needed.
Read More:
Check summons, Insurance & Roadtax All at Once
