In the past, you had to contact multiple agents just to compare car insurance prices. Now, you can do it yourself using a car insurance calculator. No hassle — just enter your number plate, and a full list of plans and prices appears instantly. But many still don’t know how to use it correctly to get the best price and proper coverage.
1. Understand How the Calculator Works
Online car insurance calculators like Bjak use data from JPJ and licensed insurance companies. When you enter your number plate, the system automatically retrieves your vehicle information — model, year, engine capacity, and current market value. From there, it displays prices from various insurers, including Takaful plans.
Advantages:
- No need to fill in details manually
- Instantly compare prices
- Fast and accurate results
2. Fill in Information Accurately
Many users make mistakes when entering details such as manufacturing year, NCD, or registered address. These factors affect your premium rate.
For example, if you enter the wrong NCD (No Claim Discount), your premium could increase by hundreds of ringgit. So double-check your information before clicking Next.
3. Compare Types of Coverage
The calculator usually shows two main types of insurance:
- Comprehensive (1st party): Covers your car and third parties
- 3rd Party, Fire & Theft: For older or budget cars
If you’re using a platform like Bjak, you can also see comparisons between standard comprehensive plans and special ones like Allianz Rahmah, Etiqa Takaful, AXA DriveAssist, and more — all in one display.
4. Use Price Filters & Add-on Benefits
Most calculators have filter functions. For example, you can filter by budget, Takaful type, or additional coverages (towing, windscreen, flood).
Use these filters to compare plans based on what you need, not just the cheapest price.
5. Proceed to Purchase & Receive Your Policy Instantly
After choosing your plan, you can pay online immediately. On Bjak, your policy is sent instantly via email and WhatsApp, complete with a link to renew your roadtax right away.
Pro tip: Save your digital policy on your phone or Google Drive for easy access if JPJ or the police ask for verification.
Conclusion
By using a car insurance calculator, you not only save time but can also find the best plan that fits your budget. Don’t buy blindly — compare first, then decide.
One of the easiest and fastest platforms to check and renew is Bjak, along with MyEG, JPJ, and Pos Malaysia.
Read More:
How to Check Your Car Insurance NCD Online
