Getting your first license feels awesome, right? But here’s the catch — before you hit the road, you’ll need insurance sorted out. No valid insurance = no roadtax renewal at JPJ or MyEG. So yeah, it’s not optional, it’s mandatory. In this article, we’ll give you a Complete Guide Choosing Car Insurance, so new drivers can make smart choices without the usual headaches.
Quick Comparison Table
| Insurance Type | Coverage | Best For | Cost Range |
| Third Party | Damage to others, not your own car | Old cars / tight budget | Cheapest |
| Comprehensive | Covers others + your own car | New cars / bank loans | Higher |
| TPFT (Third Party, Fire & Theft) | Others + fire & theft | Mid-range cars | Moderate |
What’s the Best Pick for Beginners?
The golden question. Straight answer: if your car is brand new or still under bank financing, comprehensive insurance is usually a must. If you’re driving an old secondhand ride, a third party plan might be enough to save cash — but remember, if you crash, your own car repairs come out of pocket.
Factors You Should Consider
- Car Age & Value – New cars deserve full protection.
- Monthly Budget – More coverage = higher premium.
- Location & Risk – High-theft area? Comprehensive is safer.
- Add-ons – Flood cover, windscreen, or VIP Road Assist by Bjak.
How to Avoid Rookie Mistakes
- Compare prices – Check quotes on Bjak, MyEG, Pos Malaysia.
- Check panel workshops – Always go to insurer-approved ones, not random shops.
- Don’t skip crucial add-ons – Like flood protection if you live in a flood-prone area.
- Actually read the terms – Skipping fine print is how most claims get rejected.
FAQs for New Drivers
1. Can new drivers buy insurance online?
Yes — through Bjak, MyEG, Pos Malaysia, or directly at JPJ.
2. Is insurance more expensive for new license holders?
Usually yes. Young/inexperienced drivers are considered higher risk → slightly higher premiums.
3. Do I get instant coverage after purchase?
If no data issues or coverage gaps, yes. Policy is issued immediately, and you’ll get a link by email or WhatsApp.
4. What’s the difference between digital and physical roadtax?
Digital roadtax is free on the MyJPJ app. Physical ones cost extra (e.g. Bjak charges ~RM10 excluding lamination).
Conclusion
Honestly, for new drivers, going cheap without thinking it through can backfire. Look at your car’s value, your budget, and whether you’re driving in risky areas. Don’t overcomplicate it, but also don’t just pick the cheapest option. With this Complete Guide Choosing Car Insurance, you’ll have the know-how to make better decisions now, and next year when you renew, the whole process feels way less stressful.
Read More:
What Is Comprehensive Car Insurance Coverage?
