{"id":20653,"date":"2022-01-26T10:31:36","date_gmt":"2022-01-26T02:31:36","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=20653"},"modified":"2025-09-12T18:13:33","modified_gmt":"2025-09-12T10:13:33","slug":"car-insurance-third-party-policy-explained","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-third-party-policy-explained","title":{"rendered":"Car Insurance: Third Party Policy Explained"},"content":{"rendered":"\n<p><a href=\"https:\/\/bjak.my\/en\">Car insurance<\/a> is compulsory to protect drivers should any untoward accident happen while they are on the road. <\/p>\n\n\n\n<p>Anything could happen in a split second. For example, you may crash your car by yourself, your vehicle may run into another car, or another car may run into your car.  These situations may still occur even when you have taken precautions. <\/p>\n\n\n\n<p>According to the law, all registered vehicles in Malaysia must have at least basic insurance coverage, a third-party insurance policy. <\/p>\n\n\n\n<p>Having car insurance ensures protection for the driver and third party should anything happen.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d7f4812fe93\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d7f4812fe93\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-third-party-policy-explained\/#Third-party_insurance_policy\" title=\"Third-party insurance policy\">Third-party insurance policy<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-third-party-policy-explained\/#What_is_covered_under_a_third-party_insurance_policy\" title=\"What is covered under a third-party insurance policy?\">What is covered under a third-party insurance policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-third-party-policy-explained\/#Who_is_eligible_to_purchase_a_third-party_insurance_policy\" title=\"Who is eligible to purchase a third-party insurance policy?\">Who is eligible to purchase a third-party insurance policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-third-party-policy-explained\/#Can_an_owner_of_a_10-year-old_vehicle_purchase_a_third-party_policy\" title=\"Can an owner of a 10-year-old vehicle purchase a third-party policy?\">Can an owner of a 10-year-old vehicle purchase a third-party policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-third-party-policy-explained\/#When_can_you_get_third-party_insurance\" title=\"When can you get third-party insurance?\">When can you get third-party insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-third-party-policy-explained\/#Can_you_purchase_add-on_covers_under_third-party_insurance\" title=\"Can you purchase add-on covers under third-party insurance?\">Can you purchase add-on covers under third-party insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-third-party-policy-explained\/#Do_all_insurers_offer_third-party_insurance\" title=\"Do all insurers offer third-party insurance?\">Do all insurers offer third-party insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-third-party-policy-explained\/#You_hit_another_car_and_it_caused_damage_to_your_vehicle_Can_you_claim_the_repair_cost_for_your_vehicle_with_a_third-party_policy\" title=\"You hit another car, and it caused damage to your vehicle. Can you claim the repair cost for your vehicle with a third-party policy?\">You hit another car, and it caused damage to your vehicle. Can you claim the repair cost for your vehicle with a third-party policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-third-party-policy-explained\/#Another_vehicle_hits_your_car_Can_you_claim_on_your_third-party_insurance_policy\" title=\"Another vehicle hits your car. Can you claim on your third-party insurance policy?\">Another vehicle hits your car. Can you claim on your third-party insurance policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-third-party-policy-explained\/#Is_it_worth_getting_third-party_insurance\" title=\"Is it worth getting third-party insurance?\">Is it worth getting third-party insurance?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-third-party-policy-explained\/#Get_sufficient_coverage_for_your_car\" title=\"Get sufficient coverage for your car\">Get sufficient coverage for your car<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"third-party-insurance-policy\"><span class=\"ez-toc-section\" id=\"Third-party_insurance_policy\"><\/span>Third-party insurance policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03-1-1024x1024.png?resize=854%2C854&amp;ssl=1\" alt=\"Types of car insurance policies in Malaysia\"\/><\/figure>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/en\">Motor insurance<\/a> coverage that you can get varies depending on the policy type you purchase. There are three types of car insurance policies in Malaysia: 1) Comprehensive policy, 2) Third party, fire and theft policy, and 3) Third party policy.<\/p>\n\n\n\n<p>A comprehensive policy is usually the most expensive because it provides extensive coverage. Meanwhile, the most basic and affordable policy is a third-party insurance policy.<\/p>\n\n\n\n<h3 id=\"what-is-covered-under-a-third-party-insurance-policy\"><span class=\"ez-toc-section\" id=\"What_is_covered_under_a_third-party_insurance_policy\"><\/span>What is covered under a third-party insurance policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Only-cover-other-people-need-to-pay-for-own-damage.jpg?resize=1024%2C576&amp;ssl=1\" alt=\"A third party car insurance policy only provides coverage to the third party \"\/><\/figure>\n\n\n\n<p>Previously, Bjak explained the importance of purchasing a <a href=\"https:\/\/bjak.my\/blog\/comprehensive-car-insurance\/\">comprehensive insurance<\/a> policy to ensure adequate coverage. A comprehensive policy provides the most extensive coverage for your vehicle and the third party, which explains its slightly higher price than the other two policies. <\/p>\n\n\n\n<p>Unlike a comprehensive insurance plan, third-party insurance only extends its coverage to the third party. If you are the party at fault, you have to bear any damage to your vehicle. Even if you are not at fault, you cannot make an insurance claim on your insurance policy. Your insurance policy will only compensate the third party.<\/p>\n\n\n\n<h3 id=\"who-is-eligible-to-purchase-a-third-party-insurance-policy\"><span class=\"ez-toc-section\" id=\"Who_is_eligible_to_purchase_a_third-party_insurance_policy\"><\/span>Who is eligible to purchase a third-party insurance policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This type of policy is usually for those with a 15-year-old vehicle and above.<\/p>\n\n\n\n<h3 id=\"can-an-owner-of-a-10-year-old-vehicle-purchase-a-third-party-policy\"><span class=\"ez-toc-section\" id=\"Can_an_owner_of_a_10-year-old_vehicle_purchase_a_third-party_policy\"><\/span>Can an owner of a 10-year-old vehicle purchase a third-party policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This policy is not permissible for vehicles aged 10 years and below. They must be covered by comprehensive insurance.<\/p>\n\n\n\n<h3 id=\"when-can-you-get-third-party-insurance\"><span class=\"ez-toc-section\" id=\"When_can_you_get_third-party_insurance\"><\/span>When can you get third-party insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You may get third-party insurance if your car is quite old, which is 15 years or above.<\/p>\n\n\n\n<p>However, we encourage getting a third-party, fire, and theft policy if your vehicle is eligible for it.<\/p>\n\n\n\n<h3 id=\"can-you-purchase-add-on-covers-under-third-party-insurance\"><span class=\"ez-toc-section\" id=\"Can_you_purchase_add-on_covers_under_third-party_insurance\"><\/span>Can you purchase add-on covers under third-party insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Most insurance companies do not offer additional coverage for third-party insurance policies. <\/p>\n\n\n\n<p>They may encourage vehicle owners to opt for a comprehensive insurance policy to enable them to get additional coverage.<\/p>\n\n\n\n<p>However, some insurers allow policyholders to purchase additional covers. For example, Allianz Insurance offers legal liability protection to passengers as additional coverage for third-party policies. <\/p>\n\n\n\n<h3 id=\"do-all-insurers-offer-third-party-insurance\"><span class=\"ez-toc-section\" id=\"Do_all_insurers_offer_third-party_insurance\"><\/span>Do all insurers offer third-party insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Some insurance providers do not offer third-party insurance. You may check with your preferred insurer whether they provide the policy.<\/p>\n\n\n\n<h3 id=\"you-hit-another-car-and-it-causes-damage-to-your-vehicle-can-you-claim-the-repair-cost-for-your-vehicle-with-a-third-party-policy\"><span class=\"ez-toc-section\" id=\"You_hit_another_car_and_it_caused_damage_to_your_vehicle_Can_you_claim_the_repair_cost_for_your_vehicle_with_a_third-party_policy\"><\/span>You hit another car, and it caused damage to your vehicle. Can you claim the repair cost for your vehicle with a third-party policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No. Third-party insurance only covers the damage to the third party&#8217;s vehicle. As such, you will need to cover the repair cost of your vehicle yourself.<\/p>\n\n\n\n<h3 id=\"another-vehicle-hits-your-car-can-you-claim-on-your-third-party-insurance-policy\"><span class=\"ez-toc-section\" id=\"Another_vehicle_hits_your_car_Can_you_claim_on_your_third-party_insurance_policy\"><\/span>Another vehicle hits your car. Can you claim on your third-party insurance policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No. However, if you are not the party at fault, you can claim from the insurance company of the party at fault.<\/p>\n\n\n\n<h3 id=\"is-it-worth-getting-third-party-insurance\"><span class=\"ez-toc-section\" id=\"Is_it_worth_getting_third-party_insurance\"><\/span>Is it worth getting third-party insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You should only purchase third-party insurance if your vehicle is no longer eligible for a comprehensive or third-party, fire and theft policy. <\/p>\n\n\n\n<p>If your vehicle is more than 10 years old, check with your preferred insurer whether you can still purchase a comprehensive policy. <\/p>\n\n\n\n<p>This is to ensure that your vehicle has adequate coverage to avoid financial burden should any untoward incident happen in the future.<\/p>\n\n\n\n<h2 id=\"get-sufficient-coverage-for-your-car\"><span class=\"ez-toc-section\" id=\"Get_sufficient_coverage_for_your_car\"><\/span>Get sufficient coverage for your car<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Although a third-party policy is cheaper, note that the policy will not cover any damage or loss to your vehicle in an accident.<\/p>\n\n\n\n<p>Make sure that your vehicle is adequately protected. You may opt for a comprehensive policy to ensure sufficient coverage.<\/p>\n\n\n\n<p>You may visit Bjak to choose the best comprehensive plan from 15 leading insurance brands. Get free car insurance quotes in just 3 minutes.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!<\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=car-insurance-third-party-policy-explained\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get Free Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-rates\/\"><strong><em>7 Factors That Determine Your Car Insurance Premium<\/em><\/strong><\/a><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/renew-road-tax-deceased-owner\/\">How To Renew Road Tax If The Car Owner Is Deceased?<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/puspakom-hire-purchase-inspection\/\">Puspakom Hire Purchase Inspection For Used Vehicles<\/a><\/em><\/strong><\/li><\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Read this article as we explain the coverage provided by a third party car insurance policy for your understanding and reference.<\/p>\n","protected":false},"author":7,"featured_media":21173,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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