{"id":34858,"date":"2022-09-12T15:05:34","date_gmt":"2022-09-12T07:05:34","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=34858"},"modified":"2025-09-17T14:59:05","modified_gmt":"2025-09-17T06:59:05","slug":"car-insurance-the-hidden-risks-of-under-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-the-hidden-risks-of-under-insurance","title":{"rendered":"Car Insurance: The Hidden Risks of Under-Insurance"},"content":{"rendered":"\n<p>The feeling that you get after you get your <a href=\"https:\/\/bjak.my\/en\">car insurance<\/a> renewed is such a relief knowing that you are covered while on the road. <\/p>\n\n\n\n<p>However, it is important to ensure that your coverage is sufficient. Please note that you are putting your vehicle in risky circumstances if it is underinsured. <\/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-69d8cddd1a441\" 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-69d8cddd1a441\"><\/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-the-hidden-risks-of-under-insurance\/#What_is_under-insurance\" title=\"What is under-insurance?\">What is under-insurance?<\/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-the-hidden-risks-of-under-insurance\/#The_calculation_for_car_accident\" title=\"The calculation for car accident\">The calculation for car accident<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-the-hidden-risks-of-under-insurance\/#What_is_the_risk_of_under-insurance\" title=\"What is the risk of under-insurance?\">What is the risk of under-insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-the-hidden-risks-of-under-insurance\/#Avoid_under-insurance_purchase_adequate_coverage_for_your_vehicle\" title=\"Avoid under-insurance, purchase adequate coverage for your vehicle\">Avoid under-insurance, purchase adequate coverage for your vehicle<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_under-insurance\"><\/span>What is under-insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><em>Ali owns a Brand A car where the market value (at the moment) is equivalent to RM40,000. However, during insurance renewal, Ali just insured his car at RM27,000. The amount is below the market value because the premium is lower.<\/em><\/p>\n\n\n\n<p>The explanation above depicts what under-insurance is. In brief, under-insurance is a situation where the insurance coverage value is less than the actual market value to protect the insured property, such as a car<\/p>\n\n\n\n<p>The compensation value will not only be less than the car&#8217;s current market value in the event of an accident, theft, or fire but also lower than the amount you have insured when renewing the insurance.<\/p>\n\n\n\n<p><strong>Calculation formula:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"34883\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-the-hidden-risks-of-under-insurance\/attachment\/photo_2022-09-12-15-07-23\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.23.jpeg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo_2022-09-12-15.07.23\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.23.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.23.jpeg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.23.jpeg?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-34883\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.23.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.23.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.23.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.23.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.23.jpeg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"The_calculation_for_car_accident\"><\/span>The calculation for car accident<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Let&#8217;s refer to Ali&#8217;s case from above. The current market value of Ali&#8217;s car is RM40,000 during the insurance renewal.<\/p>\n\n\n\n<p>Fast forward to 10 months later, it was unfortunate that Ali was involved in an accident. At this time, his car market value has decreased to RM36,000. He needs compensation of RM5,000 to repair his damaged car.<\/p>\n\n\n\n<p>The following is the amount of compensation that Ali can get from his insurer:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"34882\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-the-hidden-risks-of-under-insurance\/attachment\/photo_2022-09-12-15-07-25\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.25.jpeg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo_2022-09-12-15.07.25\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.25.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.25.jpeg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.25.jpeg?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-34882\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.25.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.25.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.25.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.25.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/photo_2022-09-12-15.07.25.jpeg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>The insurer will only pay to compensate Ali as much as RM3,750. Meanwhile, the remaining amount of RM1,250 falls into Ali&#8217;s responsibility to pay using his money.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_risk_of_under-insurance\"><\/span>What is the risk of under-insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You will not receive total compensation from your insurer in the event of an accident. You may need to foot the bill to repair your car damage (car accident). <\/p>\n\n\n\n<p>Other than that, you are also unable to get total compensation (car theft or total loss).<\/p>\n\n\n\n<p>This can be disadvantageous unless you insure your vehicle according to the agreed value when renewing the insurance.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Avoid_under-insurance_purchase_adequate_coverage_for_your_vehicle\"><\/span>Avoid under-insurance, purchase adequate coverage for your vehicle<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Please make sure to cover your vehicle adequately with the right insurance policy. <\/p>\n\n\n\n<p>If you have doubts or little knowledge, please seek advice from the customer service team of your preferred company to assist. They can suggest and explain if you renew the insurance according to the market value, agreed value, or less than the market price. <\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em><em><em><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><\/em><\/em><\/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-the-hidden-risks-of-under-insurance\" 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><strong>Also read:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/car-sum-insured-market-value-vs-agreed-value\/\">Car Sum Insured: Market Value vs Agreed Value<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/how-is-car-insurance-premium-calculated\/#Factors_that_affect_car_insurance_premiums\">How Is Car Insurance Premium Calculated?<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Is it worth insuring your vehicle below the market price? What is the risk if you under-insured your car?<\/p>\n<p>Find out through this article.<\/p>\n","protected":false},"author":7,"featured_media":34868,"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":[429,59,1073],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Insurance: The Hidden Risks of Under-Insurance | BJAK<\/title>\n<meta name=\"description\" content=\"Is it worth insuring your vehicle below the market price? What is the risk of under-insurance? 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