Introduction
Congratulations on your first car! But before hitting the road, you must have valid car insurance. Many new owners are confused about coverage types, NCD rates, and the correct way to buy insurance. Don’t worry — this guide helps you understand everything from A to Z to assist with your car insurance purchase.
1. Identify Coverage Types
There are three main types of insurance in Malaysia:
| Coverage Type | Features | Suitable For |
| Third Party | Covers damage/injury to others | Low budget |
| Third Party, Fire & Theft (TPFT) | Adds protection for fire & theft | Older vehicles |
| Comprehensive | Covers your car & others | New cars or bank-financed vehicles |
2. Understand NCD (No Claim Discount)
NCD is a discount given if you made no insurance claims in the previous year.
Rates can reach up to 55%, so check your NCD status before buying.
Easy check on BJAK.my — enter your number plate and the system automatically shows your current discount.
3. Compare Before Buying
Don’t just buy from one company.
Use BJAK to compare prices from over 10 insurers like Allianz, Zurich, Takaful Malaysia, and Etiqa.
You can instantly see differences in premiums, benefits, and extra charges — all in one view.
4. Check eCoverNote & Policy
After purchase, you will receive an eCoverNote via WhatsApp or email.
This document is valid for renewing your roadtax.
Keep a digital copy and ensure details like engine number and premium are correct.
5. Renew Roadtax at the Same Time
Once insurance is active, proceed to renew roadtax at:
- BJAK (can check combined insurance + roadtax cost)
- JPJ / MyJPJ / Pos Malaysia
If using BJAK, you can choose physical delivery (±RM10 delivery fee) or keep it digital at no extra cost.
Conclusion
Your first car insurance purchase doesn’t have to be complicated. With BJAK, you can check, compare, and purchase online. The process is fast, transparent, and legally valid.
Make sure you understand the coverage types and benefits received — and enjoy your first drive with peace of mind!
Read More:
Market Value vs Agreed Value: Pick the Right Insurance Coverage
