Introduction
Most drivers in Malaysia stick to the standard insurance plan, and that’s fine, until something happens that the plan doesn’t cover. Insurance add-on fills in those gaps. One that’s often overlooked is Personal Accident Cover (PA Cover). It’s an extra protection layer that pays compensation if you or your passengers are injured, or worse, in an accident. A small cost, but it makes a big difference when things go wrong.
What Is Add-On Insurance?
Think of an add-on as an optional upgrade for your main insurance policy. It’s not something you must buy, but it helps cover risks that your standard plan skips.
For example, even a Comprehensive policy doesn’t always cover personal injuries or items stolen from your car. Add-ons let you customise your policy to fit how you actually use your car.
Common Add-Ons in Malaysia
Here are a few you’ll commonly find:
- Personal Accident Cover (PA Cover): Compensation for death or permanent disability caused by an accident.
- Windscreen Coverage: Covers repair or replacement of your windscreen without touching your NCD.
- Special Perils Cover: Protects against flood, landslide, or storm damage.
- Strike, Riot & Civil Commotion (SRCC): For damage caused during riots or unrest.
- All Drivers Cover: Extends coverage to all licensed drivers using your vehicle.
Why Personal Accident Cover Matters
Among these, PA Cover often gives the most value for money.
1. Compensation for Driver & Passengers
If there’s an accident, PA Cover pays compensation directly to the people involved — not just for vehicle repairs.
2. Covers What Basic Plans Don’t
A Comprehensive policy protects your car and third parties, but not you. This fills that missing protection gap.
3. Low Cost, Big Benefit
It usually costs between RM10 and RM30 a year. That’s about the price of one meal — but could mean thousands in coverage if something serious happens.
4. Great for Everyday Drivers
If you’re driving daily, especially long-distance or on highways, PA Cover is worth having.
How to Add It
Adding this kind of coverage is easy. You can do it when renewing your insurance:
- Visit Bjak and open your policy.
- Check which add-ons are available.
- Select Personal Accident Cover or others you need.
- Confirm and pay the updated premium.
Most of the time, your new policy arrives instantly via email or WhatsApp.
When It’s Worth Adding
You don’t have to buy every add-on, but they’re worth considering if you:
- Drive often or at night
- Carry passengers regularly
- Live in flood-prone areas
- Want to avoid huge medical or repair bills later
It’s a small extra cost for a much bigger safety net.
Conclusion
Add-on insurance like Personal Accident Cover gives peace of mind beyond just protecting your car — it protects you too.
When it’s time to renew, take a few minutes to review your options. Through Bjak, you can compare, add, and renew online — quick and straightforward, no hidden fees.
Read More:
What Happens If You Drive Without Insurance?
