{"id":43324,"date":"2023-10-10T17:57:52","date_gmt":"2023-10-10T09:57:52","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=43324"},"modified":"2025-10-29T18:31:07","modified_gmt":"2025-10-29T10:31:07","slug":"compulsory-excess-malaysia","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/compulsory-excess-malaysia","title":{"rendered":"Compulsory Excess Vs. Voluntary Excess In Malaysia"},"content":{"rendered":"\n<p>One of the ways you can get the best car policy is by understanding the various concepts and terms that are widely used by insurers. One such example is excess. If you have a car or have experience renewing car insurance, you would probably know that most <a href=\"https:\/\/bjak.my\/en\">motor insurance<\/a> policies are subject to an Excess clause, which is sometimes referred to as a deductible. <\/p>\n\n\n\n<p>In Malaysia, insurance companies tend to divide excess into two types. Let&#8217;s learn more about the differences between the two through this article. <\/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-69d8b5343e403\" 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-69d8b5343e403\"><\/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\/compulsory-excess-malaysia\/#What_is_car_insurance_excess\" title=\"What is car insurance excess?\">What is car insurance excess?<\/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\/compulsory-excess-malaysia\/#Compulsory_excess_vs_Voluntary_excess\" title=\"Compulsory excess vs. Voluntary excess\">Compulsory excess vs. Voluntary excess<\/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\/compulsory-excess-malaysia\/#Can_I_change_my_voluntary_excess\" title=\"Can I change my voluntary excess?\">Can I change my voluntary excess?<\/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\/compulsory-excess-malaysia\/#When_do_you_pay_the_excess\" title=\"When do you pay the excess?\">When do you pay the excess?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_car_insurance_excess\"><\/span>What is car insurance excess?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Excess is the initial payment required when filing an insurance claim preceding the coverage provided by your insurer. It is often a fixed amount and made compulsory for policyholders under certain scenarios. They are divided into <a href=\"https:\/\/bjak.my\/blog\/car-insurance-compulsory-excess-explained\/\">compulsory excess<\/a> and voluntary excess, respectively.<\/p>\n\n\n\n<p>While excess is made obligatory for some, it does not factor into claims related to losses or damages resulting from fire, explosions, lightning, theft, third-party property damage, or bodily injuries.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Compulsory_excess_vs_Voluntary_excess\"><\/span>Compulsory excess vs. Voluntary excess<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Compulsory Excess<\/strong><\/td><td><strong>Voluntary Excess<\/strong><\/td><\/tr><tr><td><strong>What is it?<\/strong><\/td><td>A fixed amount set by insurers towards young, high-risk drivers<\/td><td>An amount that you\u2019re willing to pay when making a claim<\/td><\/tr><tr><td><strong>Why do you pay for it?<\/strong><\/td><td>&#8211; You or your drivers are below 21 years old<br>&#8211; Have Probationary (P) or Learner\u2019s (L) licence<br>&#8211; Damage caused by unnamed drivers<\/td><td>&#8211; You are a vehicle owner below 21 years old<br>&#8211; Your vehicle is at higher risk of theft<br>&#8211; You have an expensive car<\/td><\/tr><tr><td><strong>How much do you pay?<\/strong><\/td><td>RM400<\/td><td>A certain percentage of the sum insured<\/td><\/tr><\/tbody><\/table><figcaption>Differences between compulsory and voluntary excess<\/figcaption><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Can_I_change_my_voluntary_excess\"><\/span>Can I change my voluntary excess?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yes, you can alter the voluntary excess you have set with your insurance provider, as this is an amount that you&#8217;re willing to pay when making a claim.<\/p>\n\n\n\n<p>Increasing your voluntary contribution will reduce your <a href=\"https:\/\/bjak.my\/en\">auto insurance<\/a> rate, but it may negatively impact the cost of filing a claim as you would need to absorb more of the cost. So, even if you can afford to pay the excess, consider how changing your voluntary contribution can affect your insurance price before making the call.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"When_do_you_pay_the_excess\"><\/span>When do you pay the excess?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You are required to cover both your compulsory and voluntary contributions when filing a car insurance claim. In the event of a minor road accident, your excess may be more than the repair cost, especially if you opted for a higher voluntary excess.<\/p>\n\n\n\n<p>In such a case, determine whether it is worthwhile to proceed with an insurance claim as it could affect your No-Claims Discount (NCD).<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><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><\/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=compulsory-excess-malaysia\" 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><a href=\"https:\/\/bjak.my\/blog\/electric-vehicle-insurance\/\"><strong><em>Factors To Consider When Insuring Electric Vehicle<\/em><\/strong>s<\/a><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/renew-motorcycle-insurance\/\">Tips To Get The Best Motorcycle Insurance<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/hybrid-car-insurance\/\">Auto Insurance For Hybrid Cars<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Discover the differences between compulsory and voluntary excess in Malaysia through this article by Bjak. <\/p>\n","protected":false},"author":19,"featured_media":43325,"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>FAQs About Compulsory Excess And Voluntary Excess In Malaysia<\/title>\n<meta name=\"description\" content=\"Discover the differences between compulsory and voluntary excess in Malaysia through this article by Bjak.\" \/>\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\/compulsory-excess-malaysia\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQs About Compulsory Excess And Voluntary Excess In Malaysia\" \/>\n<meta property=\"og:description\" content=\"Discover the differences between compulsory and voluntary excess in Malaysia through this article by Bjak.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/compulsory-excess-malaysia\" \/>\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=\"2023-10-10T09:57:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:31:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/FI-EN-10-10-2.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\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=\"Siva\" \/>\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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