Introduction
Many drivers are still confused about the differences between local & international car insurance. Local insurance is usually offered by Malaysian companies and complies with domestic laws, while international insurance provides coverage abroad or for imported vehicles.
This article explains the advantages, drawbacks, and scenarios where each type is suitable, helping car owners make informed decisions.
1. Local Insurance
- Offered by Malaysian insurance companies.
- Covers accidents, theft, and damages within Malaysia.
- Faster and simpler claims process, ideal for daily use in urban or rural areas.
2. International Insurance
- Protects vehicles while outside Malaysia.
- Suitable for imported cars or drivers who travel frequently.
- Claims process is more complex, requiring additional documentation, including international policy and coverage certificates.
3. Comparison of Advantages & Disadvantages
| Type | Advantages | Disadvantages |
| Local | Fast process, affordable, ideal for daily use | Limited overseas coverage |
| International | Global coverage, suitable for imported cars | Expensive, complex claims process |
4. Tips to Choose the Right Insurance
- Determine the primary location of car usage.
- Check premium cost and protection benefits.
- Use BJAK to view both local and international plans from multiple insurers.
- Ensure important add-ons (VIP Rescue, Key Care) are available if needed.
Conclusion
Understanding the differences between local & international car insurance is key to ensuring your vehicle is protected according to location and needs. BJAK makes it easy to compare plans, add-ons, and premiums so car owners can make informed decisions without overspending.
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