What Is “Excess” in Car Insurance Policies
Many drivers get confused when they hear the term “excess” in their car insurance policy. This article explains what excess really means, when it applies, and how to avoid paying more during a claim.
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Car Insurance
Car insurance protects you and your vehicle from unexpected accidents, theft, or damage. By paying a regular premium, you transfer the cost of repairs or replacement to the insurance company, so you don’t have to bear the expense yourself. Policies like comprehensive, third-party, or fire and theft cover different needs and budgets. With the right insurance, you drive with confidence, knowing that support is just a call away. When accidents happen, insurance companies handle the claims efficiently, helping you get your car repaired quickly. Protecting your car isn’t just smart—it keeps you safe, secure, and ready for the road ahead.
Tips to Get Maximum Insurance Discount with NCD
NCD can give you up to 55% off for cars, 25% for motorcycles, and 25% for commercial vehicles. Learn how to maintain your maximum NCD, when it can be lost, and how to check your NCD status through BJAK.
What Happens If You Drive Without Insurance?
Many drivers think insurance is just a formality for renewing roadtax, but it’s actually vital protection. This article explains what really happens when a driver has no insurance — and why it can backfire badly if an accident occurs.
The Difference Between Car Insurance and Roadtax
Car insurance and roadtax are often thought to be the same thing, but they serve completely different purposes. This article explains their key differences — and why you need both to drive legally in Malaysia.
The Role of Adjusters in Insurance Claims
Many drivers don’t realize how important an adjuster’s role is in a car insurance claim. They assess damages, decide compensation, and ensure fairness between the car owner and the insurance company.
Complete Guide for First-Time Car Owners Buying Insurance
Just got your first car and don’t know where to start with insurance? This guide explains the key steps — from choosing coverage type, checking NCD, to purchasing directly through BJAK. With this guide, you can make smart decisions and avoid overpaying for premiums.
5 Reasons Why You Should Compare Before Renewing
Many drivers renew their insurance without checking other offers — even though price and benefits can differ significantly. This article shares 5 reasons why you should compare first before renewing, and how BJAK helps you get the best policy with maximum coverage and more savings.
How to Avoid Paying for Unnecessary Insurance
Many vehicle owners don’t realize they’re paying extra for unnecessary add-ons, like flood coverage, windscreen, and extra PA protection. Learn how to avoid overpaying and review your policy via BJAK so that only essential coverage is maintained without affecting your budget.
Tips to Renew Cheap Insurance Without Compromising Safety
Want to save time and money on insurance renewal? Use BJAK to compare policies from top providers like Allianz and Takaful Malaysia. Choose the right coverage for your budget, check your NCD, and enjoy a quick, safe process. Cheap insurance can still mean complete protection — when you renew the right way.
How Does the NCD (No Claim Discount) Work?
The NCD is a discount given to drivers who haven’t made any insurance claims during their coverage period. Learn how it works, the yearly discount rates, and how to check your NCD status via BJAK so your insurance premium stays lower while keeping your protection active.
