{"id":34861,"date":"2022-09-13T13:35:59","date_gmt":"2022-09-13T05:35:59","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=34861"},"modified":"2025-09-17T14:57:12","modified_gmt":"2025-09-17T06:57:12","slug":"5-important-questions-about-car-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/5-important-questions-about-car-insurance","title":{"rendered":"5 Important Questions About Car Insurance"},"content":{"rendered":"\n<p>Are you planning to purchase car insurance? Hold up! Let us share some important questions about <a href=\"https:\/\/bjak.my\/blog\/car-insurance-guide-in-malaysia\/\">car insurance<\/a> before you proceed.<\/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-69d8cf54acb8c\" 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-69d8cf54acb8c\"><\/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\/5-important-questions-about-car-insurance\/#What_type_of_insurance_policy_that_you_need_to_purchase\" title=\"What type of insurance policy that you need to purchase?\">What type of insurance policy that you need to purchase?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/5-important-questions-about-car-insurance\/#2_Who_is_the_authorized_driver_in_your_policy\" title=\"#2 Who is the authorized driver in your policy?\">#2 Who is the authorized driver in your policy?<\/a><\/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\/5-important-questions-about-car-insurance\/#What_forms_of_coverage_does_car_insurance_provide\" title=\"What forms of coverage does car insurance provide?\">What forms of coverage does car insurance provide?<\/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\/5-important-questions-about-car-insurance\/#Should_you_renew_the_same_insurance_every_year\" title=\"Should you renew the same insurance every year?\">Should you renew the same insurance every year?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/5-important-questions-about-car-insurance\/#Will_insurance_premium_increase_or_decrease\" title=\"Will insurance premium increase or decrease?\">Will insurance premium increase or decrease?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_type_of_insurance_policy_that_you_need_to_purchase\"><\/span>What type of insurance policy that you need to purchase?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are three types of insurance policies that you can consider purchasing. Each policy coverage differs from one another.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03-1-1-1024x1024.png?resize=854%2C854&amp;ssl=1\" alt=\"Types of car insurance policies \"\/><\/figure>\n\n\n\n<p>Refer to the following factors to determine the suitable policy type for your vehicle.<\/p>\n\n\n\n<p>1. Vehicle age<\/p>\n\n\n\n<ul><li>Vehicles below 10 years or purchased using a bank loan are subject to purchase comprehensive policy<\/li><li>Vehicles above 10 but below 15 years are recommended to get the third party, fire, and theft policy<\/li><li>or vehicles above 15 years can consider purchasing the third party policy<\/li><\/ul>\n\n\n\n<p>2. Frequency of use<\/p>\n\n\n\n<ul><li>You are recommended to purchase comprehensive insurance, tagged with additional coverage if you often use the vehicle. Examples are windscreen coverage, special perils, and others.<\/li><\/ul>\n\n\n\n<p>3. Budget<\/p>\n\n\n\n<p>If you are on a tight budget, you can purchase the most basic policy which is third-party insurance to cover an old car. This policy insurance will protect you against third-party liability. However, if you have a budget, you can comprehensive insurance and purchase any necessary add-on covers. <\/p>\n\n\n\n<p><em>*Note: You may check if the insurer if they allow you to purchase a comprehensive policy<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Who_is_the_authorized_driver_in_your_policy\"><\/span>#2 Who is the authorized driver in your policy?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh4.googleusercontent.com\/qio36pIlW4rBimwdJ1z5_p7Ve5pMKB14s9DE9BBD1iUVcSpl_roUj_DUU5hU0M0hJ_ujWtb1CEXuwL7QUl0Jn6z9BbKOItL_xRK6XRRSs-ZiW0CRdkSzoU7taEIfa0EV06j5qycJBMkIq5HHLdQPpYg\" alt=\"\"\/><\/figure>\n\n\n\n<p>Many insurance companies will include &#8220;All Driver coverage&#8221; in the policy. <\/p>\n\n\n\n<p>However, some insurers only offer &#8220;Additional coverage&#8221; for up to two individuals to the policyholders. If this is the case, ensure to extend coverage to occasional drivers such as&nbsp;family members.<\/p>\n\n\n\n<p>If someone unauthorised is driving your car and causes the accident, you will have to pay mandatory excess of as much as RM400.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_forms_of_coverage_does_car_insurance_provide\"><\/span>What forms of coverage does car insurance provide?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To your knowledge, comprehensive insurance does not cover all kinds of protection. These situations are examples of exclusions in the car policy<\/p>\n\n\n\n<ul><li>Cracked windscreen<\/li><li>Damages caused by natural disasters such as floods<\/li><li>Injury or death due to an accident caused by own negligence<\/li><\/ul>\n\n\n\n<p>However, you can purchase additional coverages to ensure protection in such situations.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Should_you_renew_the_same_insurance_every_year\"><\/span>Should you renew the same insurance every year?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Some may be comfortable renewing their annual insurance with the same insurance provider. <\/p>\n\n\n\n<p>However, you are not recommended to practice that. Renewing with the same insurance means you may be paying a higher premium compared to the market price.<\/p>\n\n\n\n<p>Therefore, we recommend you compare multiple insurance companies before renewing. Compare up to 3 insurers to differ the coverage and price in total. This way, you can see which one offers an affordable price with sufficient coverage.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Will_insurance_premium_increase_or_decrease\"><\/span>Will insurance premium increase or decrease?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In general, your insurance premium will get a lower premium by the years.<\/p>\n\n\n\n<p>One of the contributing factors to lower premiums is your current NCD (No Claim Discount). The higher your NCD, the cheaper the insurance premium you will get.<\/p>\n\n\n\n<p>However, any claim made&nbsp;under&nbsp;your&nbsp;policy will hurt your NCD rate. Thus, causing your next premium to soar. You may refer to our previous article to learn more about NCD: A Guide To No Claim Discount (NCD).<\/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=5-important-questions-about-car-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get Free Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><em><a href=\"https:\/\/bjak.my\/#facebook\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/em><\/p>\n\n\n\n<p><strong>Also read:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/#Apakah_perlindungan_tambahan_yang_boleh_diambil\">Panduan Lengkap Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/\">Nak Beli Insurans Kereta? Ini Perkara Yang Anda Wajib Tahu!<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Perlindungan_pemandu_tambahan\">Jenis-jenis Perlindungan Tambahan untuk Insurans Kereta<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Prior to renewing your car insurance, please ensure to learn some of the essential things before you proceed.<\/p>\n<p>Read this article as we provide some tips as a reference.<\/p>\n","protected":false},"author":7,"featured_media":34910,"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 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Important Questions About Car Insurance | BJAK<\/title>\n<meta name=\"description\" content=\"Prior to renewing your car insurance, please ensure to learn some of the essential things before you proceed.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/5-important-questions-about-car-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Important Questions About Car Insurance | BJAK\" \/>\n<meta property=\"og:description\" content=\"Prior to renewing your car insurance, please ensure to learn some of the essential things before you proceed.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/5-important-questions-about-car-insurance\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2022-09-13T05:35:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-17T06:57:12+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/Featured-Image-_-Fahami-Polisi-Insurans-Kereta-Anda.webp?fit=1708%2C1080&amp;ssl=1\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nurul\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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