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Renewing Insurance for An Old Car: Here’s What You Need To Know

    Renewing Insurance for An Old Car: Here's What You Need To Know

    Do you have old cars or antic cars stored in your home garage? Their vintage look can be aesthetically pleasing but comes with it are responsibilities to retain it.

    In addition to safety and maintenance, you must ensure they have valid insurance. You must ensure the validity of the insurance even if they are rarely driven.

    Don’t skip the renewal. Read on as we share more about the insurance renewal for old cars.

    Should I renew insurance for a rarely driven car?

    Insurans untuk kereta lama

    Regardless of the frequency of usage, you must ensure to protect your car with insurance.

    It is not an excuse to skip insurance renewal even though you seldomly drive the car. In addition to ensure the car’s validity for legal use on the road, insurance also:

    • Protect you against the third party claim (if you hit the other party)
    • Allow you to file an insurance claim if your car gets hit by the other vehicle
    • Avoid getting sued by the authority (you are unable to renew road tax without valid insurance)

    Insurance for an old car

    Cars become less safe to drive as they age, thus placing them in a risky category.

    That said, most insurers are less keen to insure cars above 20 years with comprehensive insurance.

    Why old cars are not allowed to renew with a comprehensive plan?

    Some insurance companies set the requirement that only a maximum of 10 or 15 years old cars can renew with a comprehensive plan. Meanwhile, some insurers set conditions up to a maximum of 20 years. This is because cars will get riskier as they age. However, the set period varies across insurance companies.

    Say if your car is old and not qualified to get comprehensive insurance – you need to purchase another insurance plan if no insurers are keen to insure your car.

    Please note that you need to protect your car, at least with the most basic plan (third-party insurance).

    Renew with the third-party policy

    For rarely driven cars above 20 years, you may renew insurance with the most basic policy (third-party plan).

    The insurer will still protect you against the third-party claim in an accident due to your negligence.

    Where can you renew insurance for cars above 20 years?

    Similar to new cars, you may renew insurance for old cars online!

    Many platforms offer online insurance renewal for old cars, including Bjak. You may compare the premiums across insurers first for the lowest price before renewing them.


    Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!

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