Introduction
When it’s time to renew car insurance, you’ll see a few different plan types — and the one most Malaysians go for is comprehensive coverage.
But what does “comprehensive” really mean? Does it truly cover everything?
Let’s break it down so you know why this plan is considered the most complete protection available.
What Is Comprehensive Coverage
In short, comprehensive coverage (or “first-party insurance”) is a plan that protects not just third parties, but your own car too.
If your car gets damaged, stolen, or catches fire, you claim compensation directly from your insurer instead of depending on the other party.
People call it “comprehensive” because this plan protects your car in the widest range of situations.
What’s Covered Under Comprehensive Coverage
A standard comprehensive policy usually includes:
- Damage caused by an accident — regardless of who’s at fault
- Theft or loss of the vehicle
- Accidental fire
- Third-party liability (for injury or property damage)
Some insurers even throw in free roadside assistance like towing, jump-start, or tire replacement — or you can get them as optional add-ons.
Optional Add-Ons You Can Include
Even though comprehensive coverage already protects a lot, you can add extra layers depending on your needs and budget, such as:
- Flood & natural disaster protection (Special Perils)
- Windscreen coverage
- All drivers protection
- Personal accident cover
- SRCC (Riot, Strike & Civil Commotion)
These add-ons are pretty affordable and can save you thousands if something unexpected happens.
Who Should Get Comprehensive Coverage
This plan is best suited for:
- New cars or vehicles still under bank financing
- Drivers who want full protection without juggling multiple add-ons
- People who drive long distances or live in high-risk areas
If your car is older (say 10 years and above) and has a lower market value, you might consider a cheaper option like Third Party, Fire & Theft instead.
Conclusion
Comprehensive coverage gives you the best balance between protection and peace of mind.
Before renewing, compare plans and prices directly on BJAK — you’ll see all the available comprehensive policies from different insurers in one place, with no hidden charges.
Read More:
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