{"id":34933,"date":"2022-09-22T10:15:11","date_gmt":"2022-09-22T02:15:11","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=34933"},"modified":"2025-09-17T14:56:48","modified_gmt":"2025-09-17T06:56:48","slug":"4-additional-charges-included-in-your-basic-car-insurance-premium","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/4-additional-charges-included-in-your-basic-car-insurance-premium","title":{"rendered":"4 Additional Charges Included in Your Basic Car Insurance Premium"},"content":{"rendered":"\n<p>It is the responsibility of all car owners to ensure the renewal of insurance every year. That said, it is essential to have basic knowledge regarding insurance premiums such as the premium calculation. <\/p>\n\n\n\n<p>In addition to how an insurance premium is calculated, you need to know the common additional charge that comes with it. <\/p>\n\n\n\n<p>Read on as we will discuss the following charges.<\/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-69d8cdb1ddae5\" 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-69d8cdb1ddae5\"><\/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\/4-additional-charges-included-in-your-basic-car-insurance-premium\/#Factors_affecting_the_calculation_of_insurance_premium\" title=\"Factors affecting the calculation of insurance premium\">Factors affecting the calculation of insurance premium<\/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\/4-additional-charges-included-in-your-basic-car-insurance-premium\/#Additional_charges_in_basic_car_insurance_premium\" title=\"Additional charges in basic car insurance premium\">Additional charges in basic car insurance premium<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/4-additional-charges-included-in-your-basic-car-insurance-premium\/#Service_and_Sales_Tax_SST\" title=\"Service and Sales Tax (SST)\">Service and Sales Tax (SST)<\/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\/4-additional-charges-included-in-your-basic-car-insurance-premium\/#Stem_duty\" title=\"Stem duty\">Stem duty<\/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\/4-additional-charges-included-in-your-basic-car-insurance-premium\/#Additional_coverage\" title=\"Additional coverage\">Additional coverage<\/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\/4-additional-charges-included-in-your-basic-car-insurance-premium\/#Commission_if_you_purchase_with_an_agent\" title=\"Commission (if you purchase with an agent)\">Commission (if you purchase with an agent)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/4-additional-charges-included-in-your-basic-car-insurance-premium\/#Calculation_of_insurance_premium\" title=\"Calculation of insurance premium\">Calculation of insurance premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/4-additional-charges-included-in-your-basic-car-insurance-premium\/#Renew_online_with_Bjak\" title=\"Renew online with Bjak\">Renew online with Bjak<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Factors_affecting_the_calculation_of_insurance_premium\"><\/span>Factors affecting the calculation of insurance premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh5.googleusercontent.com\/HxBBQY5ACyS-ep1WTkZDrHYZ-qVup5m4kFEZ9OVD_b8W5N2WFYHpG33Mf8EACW3_Ba0o-illr1hXnbKMQapOFVzF2zDCri3uXu98R18Srgr0p_jNA0M0hldqdJPerEePK_P9FVuRR3UVyOvqNaBnLi27eHjlASbDcWAEJgoR0TpxLFSc6CQNuM-Nog\" alt=\"tahu harga yang betul ketika renew insurans kereta\"\/><\/figure>\n\n\n\n<p>To your knowledge, Bank Negara Malaysia (BNM) has implemented the liberalisation of motor insurance tariffs for Motor Comprehensive and Motor Third Party, Fire and Theft products, effective 1 July 2017. <\/p>\n\n\n\n<p>As a result of the liberalisation, the insurers and Takaful operators will be determining the premium rates for the products.<\/p>\n\n\n\n<p>For instance, the followings are among the factors to decide the premium:<\/p>\n\n\n\n<ul><li><strong>Car market value<\/strong><\/li><li><strong>Car\u2019s manufacture year<\/strong><\/li><li><strong>No Claim Discount (NCD)&nbsp;<\/strong><\/li><li><strong>Type of car insurance<\/strong><\/li><li><strong>Car location<\/strong><\/li><li><strong>Driving record<\/strong><\/li><li><strong>Occupation<\/strong><\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Additional_charges_in_basic_car_insurance_premium\"><\/span>Additional charges in basic car insurance premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The followings are the additional charges in your basic car insurance premium: <\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Service_and_Sales_Tax_SST\"><\/span>Service and Sales Tax (SST)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The standard rate of SST charge of 6% will be applied to your basic insurance premium.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Stem_duty\"><\/span>Stem duty<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You will be charged with a stem duty of RM10 in insurance premiums before the final premium is generated.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Additional_coverage\"><\/span>Additional coverage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You will be charged an additional charge or fee if you add any additional coverage to your insurance policy.<\/p>\n\n\n\n<p>For example, additional windscreen coverage, special perils, etc.<\/p>\n\n\n\n<p>In general, the charge and fees for each additional coverage will vary. The more additional coverage you purchase, the more expensive the insurance premium.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Commission_if_you_purchase_with_an_agent\"><\/span>Commission (if you purchase with an agent)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You need to pay a certain amount for commission if you purchase with an agent. <\/p>\n\n\n\n<p>It is a form of payment to an agent in which the agent receives a percentage of the value of each insurance\/roadtax purchase. However, you are not subject to paying for commission if you do it online.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Calculation_of_insurance_premium\"><\/span>Calculation of insurance premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Refer the following visual  to understand the calculating basic formula of insurance premiums:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"34952\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/4-additional-charges-included-in-your-basic-car-insurance-premium\/attachment\/220915-01-02\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-01-02.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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=\"220915-01-02\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-01-02.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-01-02.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-01-02.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"\" class=\"wp-image-34952\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-01-02.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-01-02.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-01-02.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-01-02.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-01-02.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"34953\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/4-additional-charges-included-in-your-basic-car-insurance-premium\/attachment\/220915-02-02\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-02-02.jpg?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=\"220915-02-02\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-02-02.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-02-02.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-02-02.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-34953\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-02-02.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-02-02.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-02-02.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-02-02.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/220915-02-02.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><em>An example of calculating the insurance price for a Perodua Myvi with a cover amount of RM31,000<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Renew_online_with_Bjak\"><\/span>Renew online with Bjak<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Are you still not clear on how to renew insurance yourself? Put your concern aside. You can do it conveniently using Bjak&#8217;s website. There is customer service will attend to provide you help from A to Z in case you need assistance.<\/p>\n\n\n\n<p>Other than that, Bjak allows you to compare multiple insurers on a single platform. Thus, you can check better choices to choose the best plan at an affordable 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=4-additional-charges-included-in-your-basic-car-insurance-premium\" 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><strong><em><a href=\"https:\/\/bjak.my\/blog\/car-insurance-deductible-faqs\/\">FAQs About Car Insurance Deductible<\/a><\/em><\/strong><\/li><li><a href=\"https:\/\/bjak.my\/blog\/betterment-car-insurance-faqs\/\"><strong><em>FAQs About Betterment In Car Insurance<\/em><\/strong><\/a><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/vehicle-insurance-mistakes\/\">Vehicle Insurance Mistakes Most Malaysians Make<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Several additional charges are included in the price of your car insurance premium. Please make sure to understand it to avoid confusion.<\/p>\n","protected":false},"author":7,"featured_media":34984,"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":[429,59,92],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>4 Additional Charges Included in Your Basic Car Insurance Premium | BJAK<\/title>\n<meta name=\"description\" content=\"Several additional charges are included in the price of your car insurance premium. 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