Introduction
A lot of people think once they’ve got comprehensive insurance, they’re fully protected — no matter what happens.
But here’s the reality: even though it’s the broadest plan available, there are still things comprehensive insurance doesn’t cover. Most drivers only realize this when their claim gets rejected and they end up paying out of pocket. Let’s clear that up before it happens to you.
1. Damage from Floods, Landslides, or Storms
If your car gets damaged by flash floods, fallen trees, landslides, or strong winds — you’re not automatically covered.
That kind of protection only kicks in if you’ve added the Special Perils add-on (Flood & Natural Disaster) to your policy.
A lot of Malaysians skip this because they think, “It rarely floods in my area,” until the day it does. Then it hurts — literally and financially.
2. Broken or Cracked Windows
Any damage to your car’s front, rear, or side windows isn’t included in the standard policy either.
To cover this, you’ll need the Windscreen add-on — it’s fairly cheap but super useful since replacing modern glass can easily cost hundreds of ringgit.
3. Personal Belongings Inside the Car
If someone breaks into your car and steals your laptop, bag, or phone, don’t expect the insurance to pay for it.
Comprehensive insurance doesn’t cover personal items inside the car — only the vehicle itself.
Your belongings are considered your own responsibility, not part of the insured property.
4. Misuse or Racing-Related Damage
If your car is used for racing, test driving, or anything outside normal road use, your claim can be denied.
Same goes if the driver didn’t have a valid license, was drunk, or under the influence during the accident.
Even with a comprehensive policy, these cases fall completely outside coverage.
5. Natural Wear and Tear
Comprehensive insurance doesn’t cover wear and tear — stuff like worn-out brakes, bald tires, or a dead battery.
Those fall under regular maintenance, not accident damage.
It’s a common misunderstanding; many assume “comprehensive” means “everything,” but basic upkeep is always the owner’s job.
Conclusion
Comprehensive insurance is great, but it’s not magic — it only protects what’s listed. The good news? You can expand your coverage with the right add-ons.
Before renewing your policy, check the exclusions and add what you need directly when getting a quote on BJAK. That way, you’ll know exactly what’s covered and what’s not — no nasty surprises later.
Read More:
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