Introduction
Many vehicle owners in Malaysia don’t realize they are actually paying extra for unnecessary car insurance. Sometimes it’s because they don’t understand the function of each coverage, and sometimes because agents have added add-ons without proper explanation. This article will show you how to identify optional coverage — and how to review your policy via BJAK so your insurance budget stays worthwhile.
1. Coverage Often Purchased but Not Always Needed
a. Car Windscreen Coverage
This coverage is popular but not necessary for everyone. If your car isn’t expensive or rarely parked in high-risk areas, the extra premium for windscreen coverage may not be worth it — the actual cost to replace the windscreen is often not that high.
b. Flood / Natural Disaster Coverage
If you live in a high-area or have never experienced flooding, this add-on can be considered optional. It’s important coverage, but not mandatory for everyone.
c. Personal Accident Coverage (PA Driver & Passenger)
Many people are already covered under life insurance, takaful, or company benefits. So adding PA coverage in your car insurance could be overlapping and unnecessary.
d. Additional Accessories (Sports Rims, Audio System)
If you haven’t installed high-value accessories, this coverage only increases your premium unnecessarily. Use that money for car servicing or more meaningful protection.
2. How to Check Your Policy
Want to know if you’re paying for unnecessary add-ons?
It’s simple:
- Visit BJAK.my and get a new quote.
- The system will display all policy details, including add-ons like flood, windscreen, PA, etc.
- Review, remove, or adjust irrelevant coverage before renewing.
BJAK Tip:
If in doubt, WhatsApp or email a BJAK representative. They can help review your existing add-ons and adjust your quote so you only keep what’s really important.
3. Risks of Not Reviewing Your Policy
If you don’t review, common risks include:
- Paying higher premiums for no reason.
- Overlapping coverage between car insurance and personal policies.
- NCD not fully utilized because the base premium is already high.
In short, you lose twice — more money spent with no added benefit.
Conclusion
Not all insurance coverage is mandatory. Understand your needs first, then choose relevant add-ons. With BJAK, you can quickly review and compare policies, ensure no overpayment, and only keep the coverage that truly matters.
Read More:
How to Properly Claim Car Glass Damage Insurance
Market Value vs Agreed Value: Pick the Right Insurance Coverage
