{"id":34937,"date":"2022-09-23T13:20:08","date_gmt":"2022-09-23T05:20:08","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=34937"},"modified":"2025-11-05T17:34:29","modified_gmt":"2025-11-05T09:34:29","slug":"drivers-risk-are-you-a-high-or-low-risk-driver","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/info\/drivers-risk-are-you-a-high-or-low-risk-driver","title":{"rendered":"Driver&#8217;s Risk: Are You A High Or Low-Risk Driver?\u00a0"},"content":{"rendered":"\n<p>Following the implementation of the liberalisation of motor insurance tariffs in July 2017, the premium rates for Motor Comprehensive and Motor Third Party, Fire, and Theft products were determined by individual insurers and Takaful operators.  As a result, they are taking many factors into account in order to determine the insurance premium. As such, the factors include the driver&#8217;s risk.<\/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-69d8cdb357d2c\" 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-69d8cdb357d2c\"><\/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\/info\/drivers-risk-are-you-a-high-or-low-risk-driver\/#Understand_what_risk_profiling_means\" title=\"Understand what risk profiling means\">Understand what risk profiling means<\/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\/info\/drivers-risk-are-you-a-high-or-low-risk-driver\/#What_are_the_guiding_risk_factors\" title=\"What are the guiding risk factors?\">What are the guiding risk factors?<\/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\/info\/drivers-risk-are-you-a-high-or-low-risk-driver\/#Age_of_the_driver\" title=\"Age of the driver\">Age of the driver<\/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\/info\/drivers-risk-are-you-a-high-or-low-risk-driver\/#Age_of_the_vehicle\" title=\"Age of the vehicle\">Age of the vehicle<\/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\/info\/drivers-risk-are-you-a-high-or-low-risk-driver\/#Gender_of_the_driver\" title=\"Gender of the driver\">Gender of the driver<\/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\/info\/drivers-risk-are-you-a-high-or-low-risk-driver\/#Driver%E2%80%99s_claims_record\" title=\"Driver\u2019s claims record\">Driver\u2019s claims record<\/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\/info\/drivers-risk-are-you-a-high-or-low-risk-driver\/#Installation_of_systems_theft_devices\" title=\"Installation of systems\/ theft devices\">Installation of systems\/ theft devices<\/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\/info\/drivers-risk-are-you-a-high-or-low-risk-driver\/#Traffic_offence_records\" title=\"Traffic offence records\">Traffic offence records<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/info\/drivers-risk-are-you-a-high-or-low-risk-driver\/#Driver%E2%80%99s_risk_Keep_a_good_profile\" title=\"Driver&#8217;s risk: Keep a good profile\">Driver&#8217;s risk: Keep a good profile<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Understand_what_risk_profiling_means\"><\/span>Understand what risk profiling means<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Risk profiling refers to an assessment of a risk to be insured in the event of an accident happening or a claim being made from that insured risk. This assessment will result in what insurers would charge for that risk.<\/p>\n\n\n\n<p>For instance, driver risk factors are one of them. In general, higher-risk drivers need to pay a higher premium.<\/p>\n\n\n\n<p><em>*Note: Various variables or factors are considered in carrying out the risk assessment. However, according to the General Insurance Association Of Malaysia (PIAM), each variable may vary toward the insured risk. Therefore, these variables are subjective and will be based on Underwriting Guidelines used across the insurer providers.<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_guiding_risk_factors\"><\/span>What are the guiding risk factors?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The following explains the risk factors of drivers for high-risk drivers and low-risk drivers:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Age_of_the_driver\"><\/span>Age of the driver<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-container-1 wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>High-risk drivers<\/strong><\/td><td>&#8211; Motorists aged between 17 and 23 years. According to the statistics, the most serious accidents were recorded by this group. <br>&#8211; Motorists above 50 years as they have slower reflection and are prone to diseases that can affect driving. Examples are dementia, heart failure, and Parkinson&#8217;s. <\/td><\/tr><tr><td><strong>Low-risk drivers<\/strong><\/td><td>Motorists aged between 30 and 50 years have a better experience and reflection to counter any unexpected situation when driving.<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Age_of_the_vehicle\"><\/span>Age of the vehicle<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong><strong>High-risk drivers<\/strong><\/strong><\/td><td>Older cars over 10 years old are at a higher risk of breaking down<\/td><\/tr><tr><td><strong><strong>Low-risk drivers<\/strong><\/strong><\/td><td>New cars are usually still in mint condition and have a lower risk of damage<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Gender_of_the_driver\"><\/span>Gender of the driver<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong><strong>High-risk drivers<\/strong><\/strong><\/td><td>Male motorists are in a higher risk group than females in most developed countries<\/td><\/tr><tr><td><strong><strong>Low-risk drivers<\/strong><\/strong><\/td><td>Female motorists drive more carefully and have a high tolerance limit and behave less recklessly when driving<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Driver%E2%80%99s_claims_record\"><\/span><strong>Driver\u2019s claims record<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong><strong>High-risk drivers<\/strong><\/strong><\/td><td>A motorist, who is constantly involved\/causing accidents and making insurance claims, is a high-risk case. Thus, they have to pay higher insurance premiums<\/td><\/tr><tr><td><strong><strong>Low-risk drivers<\/strong><\/strong><\/td><td>A prudent motorist who has never made an insurance claim is considered a low-risk driver<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Installation_of_systems_theft_devices\"><\/span>Installation of systems\/ theft devices<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong><strong><strong>High-risk drivers<\/strong><\/strong><\/strong><\/td><td>Vehicles with no anti-theft security systems are higher-risk cases<\/td><\/tr><tr><td><strong><strong><strong>Low-risk drivers<\/strong><\/strong><\/strong><\/td><td>Vehicles with no anti-theft security systems are mid-risk cases. <br>Installation of devices such as telematics or GPS tracking can reduce the risk. Thus, motorists can enjoy lower premiums.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Traffic_offence_records\"><\/span>Traffic offence records<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong><strong><strong>High-risk drivers<\/strong><\/strong><\/strong><\/td><td>Motorists with frequent prosecution for traffic violation are at higher risk and may endure more expensive premiums<\/td><\/tr><tr><td><strong><strong><strong>Low-risk drivers<\/strong><\/strong><\/strong><\/td><td><br>Prudent motorists are seen as low-risk case<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Driver%E2%80%99s_risk_Keep_a_good_profile\"><\/span>Driver&#8217;s risk: Keep a good profile<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In brief, your profile is essential in determining a lower premium.<\/p>\n\n\n\n<p>Therefore, ensure to keep your profile at a safe level. Be a prudent motorist and practice safe driving to avoid any untoward incident while on the road.<\/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-2 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=drivers-risk-are-you-a-high-or-low-risk-driver\" 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>High-risk drivers will need to endure higher insurance premiums than a low-risk drivers.<\/p>\n<p>How do you categorise between high-risk cases and low-risk cases? Read on as we explain more in detail.<\/p>\n","protected":false},"author":7,"featured_media":35004,"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":[1],"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>Driver&#039;s Risk: Are You A High Or Low-Risk Driver?\u00a0 | BJAK<\/title>\n<meta name=\"description\" content=\"High-risk drivers will need to endure higher insurance premiums than a low-risk drivers. 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