Introduction
Many drivers want cheap insurance, but still worry about limited coverage or slow processing.
The good news — you can save money and stay protected, as long as you know what to compare and where to check.
With BJAK.my, you can view quotes from multiple insurance panels in one place, compare prices, coverage, and NCD — with no hidden fees.
1. Compare Before You Renew
Many people just renew with their existing insurer for convenience — but prices can vary significantly between companies.
BJAK simplifies the process by showing quotes from over 10 major insurance providers, including Allianz, Takaful Malaysia, and Zurich.
BJAK Tip:
Enter your vehicle plate number and IC, and the system instantly displays all available prices and coverage for comparison.
2. Choose the Right Type of Coverage
There are three main types of motor insurance:
- Comprehensive (1st Party): Covers both your own damage and third-party losses — best for newer cars.
- 3rd Party, Fire & Theft: Moderate coverage, suitable for older vehicles.
- 3rd Party: Basic protection (and the cheapest option).
Through BJAK, you can instantly see the price differences for all three types — making it easy to decide based on your budget and risk level.
3. Check Your NCD (No Claim Discount)
Many drivers forget to check their NCD, missing out on up to 55% discount.
BJAK calculates NCD automatically — and if the rate doesn’t appear, their team can help verify and update your discount to make sure you get the correct rate.
4. Avoid Unnecessary Add-Ons
Some insurers include extra coverage (add-ons) that not everyone needs, such as:
- Windscreen coverage
- Passenger accident coverage
- Flood or natural disaster protection
Review your list of add-ons carefully — only keep what’s relevant to avoid paying a higher premium.
BJAK displays all add-ons transparently, so you can add or remove them easily before making payment.
5. Use BJAK Promotions & Discounts
BJAK often offers promo codes and special discounts, especially during renewal seasons.
Plus, you’ll also enjoy:
- Instant policy link sent via WhatsApp or email after payment
- Immediate active coverage, provided there are no issues with vehicle or owner details
- Free digital roadtax or physical delivery (around RM10 postage fee)
Conclusion
Cheap insurance doesn’t mean unsafe coverage — it’s all about knowing how to compare and choose wisely. With BJAK.my, you can compare prices, check your NCD, and pick the best protection plan without hidden costs or risks. Fast, secure, and approved by licensed Malaysian insurers — all in one place.
Read More:
Why Car Insurance Premiums Increase Every Year
