{"id":41915,"date":"2023-08-15T15:40:27","date_gmt":"2023-08-15T07:40:27","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=41915"},"modified":"2025-09-12T18:49:26","modified_gmt":"2025-09-12T10:49:26","slug":"insurance-add-on","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/insurance-add-on","title":{"rendered":"5 Factors To Consider When Selecting Car Insurance Add-On"},"content":{"rendered":"\n<p>Purchasing a car insurance premium is never complete without getting additional coverage. Since a basic <a href=\"https:\/\/bjak.my\/en\">car insurance<\/a> policy doesn&#8217;t cover damages resulting from various circumstances other than damage to your vehicle and third-party-related injuries, add-ons are crucial. Add-ons safeguard the car and the owner from scenarios such as windscreen damage, vandalism and damage due to convulsions of nature.<\/p>\n\n\n\n<p>However, selecting an <a href=\"https:\/\/bjak.my\/blog\/car-insurance-add-ons-types-of-extra-protection-you-can-pick\/\">insurance add on<\/a> needs several considerations, as not everyone is presented with the same scenario. Each car owner needs to evaluate their situation before selecting additional coverage. Here are the five factors that play an integral part in choosing insurance add-ons for everyone. <\/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-69d7efd50426b\" 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-69d7efd50426b\"><\/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\/insurance-add-on\/#Coverage_needs\" title=\"Coverage needs\">Coverage needs<\/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\/insurance-add-on\/#Budget\" title=\"Budget\">Budget<\/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\/insurance-add-on\/#Location\" title=\"Location\">Location<\/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\/insurance-add-on\/#Car_value\" title=\"Car value\">Car value<\/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\/insurance-add-on\/#Driving_habits\" title=\"Driving habits\">Driving habits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-add-on\/#Insurance_add_on\" title=\"Insurance add on\">Insurance add on<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Coverage_needs\"><\/span><strong data-l-s=\"63811\">Coverage <\/strong><strong>n<\/strong><strong data-l-s=\"63811\">eeds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-attachment-id=\"40671\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/msig-car-insurance-2\/attachment\/a2-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/A2.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=\"\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/A2.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/A2.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/A2.jpg?resize=724%2C408&#038;ssl=1\" alt=\"Car insurance\" class=\"wp-image-40671\" width=\"724\" height=\"408\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/A2.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/A2.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/A2.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/A2.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/A2.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 724px) 100vw, 724px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Evaluate your circumstances and needs to determine the coverage you need in a car policy. Different add-ons cater to different needs, such as medical payments, legal liabilities, special perils and more. <\/p>\n\n\n\n<p>The duration for which you might need these add-ons would also need to be considered. For example, landslide coverage might be helpful if you&#8217;re planning to move to the hilly side for one year. You can keep this coverage in your policy until you decide to move out to a different place where the coverage is no longer necessary.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Budget\"><\/span><strong>Budget<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your budget for car insurance plays an essential part in what and how many add-ons you can choose. Since most add-on coverage comes with an additional premium, it&#8217;s necessary to consider your budget before confirming the purchase. <\/p>\n\n\n\n<p>Deciding how much you&#8217;re willing to pay for the extra coverage and how it fits into your overall insurance budget will help you select the best <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/\">car policy<\/a>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Location\"><\/span><strong>Location<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img data-attachment-id=\"42020\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-add-on\/attachment\/flooded-cars-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Flooded-cars.jpg?fit=900%2C508&amp;ssl=1\" data-orig-size=\"900,508\" 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=\"Flooded cars\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Flooded-cars.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Flooded-cars.jpg?fit=900%2C508&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Flooded-cars.jpg?resize=722%2C407&#038;ssl=1\" alt=\"Car policy for special perils\" class=\"wp-image-42020\" width=\"722\" height=\"407\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Flooded-cars.jpg?w=900&amp;ssl=1 900w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Flooded-cars.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Flooded-cars.jpg?resize=768%2C433&amp;ssl=1 768w\" sizes=\"(max-width: 722px) 100vw, 722px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>As much as budget, geographical location is also an important factor to consider. People who live in areas with high crime rates, such as theft and vandalism, would have to consider add-on coverage like strikes, riots and civil commotion and windscreen damage more than others.<\/p>\n\n\n\n<p>Likewise, if you live in an area where extreme weather is common, you might want to consider special perils add-ons that offer coverage for related risks. It is worth noting that flood coverage in Malaysia is becoming increasingly common as many areas are prone to flash floods throughout the year.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Car_value\"><\/span><strong>Car value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you have a newer or more valuable car, it&#8217;s worth investing in more add-on coverage to ensure you&#8217;re adequately compensated in case of a total loss. Since older cars have diminished value, investing much money in them may not be ideal as you might not be paid enough. <\/p>\n\n\n\n<p>For newer cars, add-ons would also save you repair costs that could arise from damage from situations like convulsions of nature and vandalism. Remember that your car&#8217;s value plays a prominent part in the insurance add-on. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Driving_habits\"><\/span><strong data-l-s=\"26783\">Driving <\/strong><strong>h<\/strong><strong data-l-s=\"26783\">abits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img data-attachment-id=\"42018\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-add-on\/attachment\/traffic-light-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Traffic-light.jpeg?fit=620%2C413&amp;ssl=1\" data-orig-size=\"620,413\" 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=\"Traffic-light\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Traffic-light.jpeg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Traffic-light.jpeg?fit=620%2C413&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Traffic-light.jpeg?resize=699%2C465&#038;ssl=1\" alt=\"Car insurance\" class=\"wp-image-42018\" width=\"699\" height=\"465\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Traffic-light.jpeg?w=620&amp;ssl=1 620w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Traffic-light.jpeg?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 699px) 100vw, 699px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Those who frequently drive long distances may need to consider add-ons that provide coverage for roadside assistance, towing, or rental car reimbursement than those who drive less.<\/p>\n\n\n\n<p>These additional services can be beneficial when you&#8217;re far from home. Also, if you have a bad driving record or have encountered many accidents before, you should factor in add-ons such as windscreen damage and legal liability coverage, which otherwise might not be provided by your insurer.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Insurance_add_on\"><\/span>Insurance add on<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurance needs vary from person to person, so assessing your situation and making an informed decision based on your requirements is essential These factors are some of the common aspects to consider if you are unsure about what add-ons to consider for your vehicle.<\/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=insurance-add-on\" 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><strong><em><a href=\"https:\/\/bjak.my\/blog\/tokio-marine-car-insurance-2\/\">Tokio Marine DriveSafe PA &amp; Auto Partner Plans<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/tokio-marine-autopro-car-insurance\/\">Tokio Marine Enhanced Coverage With AutoPro<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Five crucial factors to consider when selecting an insurance add-on for your car. Learn about them here to make smarter choices.<\/p>\n","protected":false},"author":19,"featured_media":42016,"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>Insurance Add On: 5 Factors To Consider When Purchasing A Car Policy<\/title>\n<meta name=\"description\" content=\"Five crucial factors to consider when selecting an insurance add-on for your car. 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