{"id":44459,"date":"2023-12-27T15:05:03","date_gmt":"2023-12-27T07:05:03","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=44459"},"modified":"2025-10-29T18:31:07","modified_gmt":"2025-10-29T10:31:07","slug":"vehicle-insurance-terms","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/vehicle-insurance-terms","title":{"rendered":"7 Vehicle Insurance Terms You Should Know"},"content":{"rendered":"\n<p>Understanding vehicle insurance is crucial for every driver and this comes with familiarising oneself with the terms widely used in policies. From comprehensive and collision coverage to uninsured motorist protection, knowing the essential vehicle insurance terms can help you make informed decisions. Here are 7 important words you should know, so you&#8217;ll never have trouble understanding your policy again. <\/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-69d791e29f926\" 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-69d791e29f926\"><\/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\/vehicle-insurance-terms\/#Deductible\" title=\"Deductible\">Deductible<\/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\/vehicle-insurance-terms\/#Betterment\" title=\"Betterment\">Betterment<\/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\/vehicle-insurance-terms\/#NCD\" title=\"NCD\">NCD<\/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\/vehicle-insurance-terms\/#Compulsory_Excess\" title=\"Compulsory Excess\">Compulsory Excess<\/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\/vehicle-insurance-terms\/#Voluntary_Excess\" title=\"Voluntary Excess\">Voluntary Excess<\/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\/vehicle-insurance-terms\/#TPFT\" title=\"TPFT\">TPFT<\/a><\/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\/vehicle-insurance-terms\/#Special_perils\" title=\"Special perils\">Special perils<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Deductible\"><\/span>Deductible<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A deductible in car insurance is the amount you must pay on your own for repairs after an accident. It\u2019s a predetermined amount that you agree to pay before your insurance company starts providing compensation for losses.<\/p>\n\n\n\n<p>Let\u2019s say you have a&nbsp;<a href=\"https:\/\/bjak.my\/blog\/understand-your-car-insurance-policy\/\">car insurance policy<\/a>&nbsp;with an RM500 deductible, and you get into an accident that causes RM3,000 worth of damage to your car. In this case, you are responsible for paying the first RM500; your insurance company will cover the remaining RM2,500.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Betterment\"><\/span>Betterment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Betterment charges, also known as \u201cbetterment fees\u201d or \u201cdepreciation charges,\u201d are terms commonly associated with&nbsp;<a href=\"http:\/\/bjak.my\/en\">auto insurance<\/a>&nbsp;claims.<\/p>\n\n\n\n<p>Betterment charges refer to the situation where an insurance company may require a policyholder to pay a portion of the cost of replacing a damaged part with a new one, even if the original damaged part was used or old. This is due to the concept of betterment or improvement \u2013 the idea that a replaced part is now \u201cbetter\u201d than the old one.<\/p>\n\n\n\n<p>The betterment charges are usually charged for vehicles older than 5 years. The minimum rate starts at 15%, while the maximum is 40%.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"NCD\"><\/span>NCD<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>No-Claim Discount (NCD) is a discount given for&nbsp;<a href=\"https:\/\/bjak.my\/en\">vehicle insurance<\/a>&nbsp;premiums by insurance companies. The waiver is set by Persatuan Insurans Am Malaysia (PIAM) to encourage safe driving. It acts as a reward\/incentive for vehicle owners with good driving behaviour. NCD is also referred to as No-Claim Bonus (NCB) by some people.<\/p>\n\n\n\n<p>The&nbsp;<a href=\"https:\/\/bjak.my\/blog\/no-claim-discount-ncd-drive-safely-and-save-more\/\">NCD rates<\/a>&nbsp;for new vehicles start at zero in the first year of purchase and gradually accumulate over time. If no claims are submitted or made against the policy, private car owners can enjoy a maximum discount of 55% (from the sixth year onwards), while motorcycle owners get a maximum discount of 25% (from the 4th year onwards).<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Compulsory_Excess\"><\/span>Compulsory Excess<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A compulsory excess is a fixed amount (usually RM400) that insurers set for young, high-risk drivers, mostly those under 21 with a probationary (P) or learner\u2019s (L) licence. A compulsory excess may also be required in situations where the vehicle damage was caused by unnamed drivers.<\/p>\n\n\n\n<p>For example, if your children or siblings under the age of 21 run into an accident while driving your car, you will be required to pay a compulsory excess of RM400 while your insurer covers the remaining.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Voluntary_Excess\"><\/span>Voluntary Excess<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Voluntary excess is an amount that the policyholder is willing to pay when claiming their insurance company. It works differently from compulsory excess despite sharing a similar condition.<\/p>\n\n\n\n<p>Like compulsory excess, voluntary excess is also applied to vehicle owners under 21. However, it occurs under two additional conditions: the vehicle in question is at higher risk of theft, and the policyholder owns an expensive car. Unlike compulsory excess, voluntary excess is usually a certain percentage of the sum insured and not a fixed amount.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"TPFT\"><\/span>TPFT<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>TPFT, also known as third-party, fire and theft, is a type of motor insurance policy. It is a \u2018semi-complete\u2019 coverage that covers liabilities to third parties, vehicle theft and loss or damages resulting from fire. Unlike comprehensive insurance, TPFT policies do not cover vehicle impairment due to self-inflicted accidents. <\/p>\n\n\n\n<p>So, the policyholder must self-borne repair costs for damages caused by an accident. This policy is often confused with a third-party policy which only covers liabilities to third parties.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Special_perils\"><\/span>Special perils<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Special perils refer to specific risks or hazards that are not typically covered under standard auto insurance policies. These encompass a wide range of events such as earthquakes, floods, riots, vandalism, and other uncommon or extraordinary occurrences. It is also known as natural disaster coverage by someone.<\/p>\n\n\n\n<p>Special perils in vehicle insurance exist in two forms. One is called full special perils cover, and the other is limited special perils cover. Full and limited coverages are primarily different in the amount of coverage and compensation offered to policyholders in the event of unforeseen damage due to convulsions of nature.<\/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. Visit Bjak today to get your free insurance quote!<\/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=vehicle-insurance-terms\" 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\/berjaya-sompo-car-insurance\/\">Berjaya Sompo Car Insurance For Private Cars<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/personal-accident-plans\/\">4 Brands Offering The Best Personal Accident Insurance<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/chubb-car-insurance\/\">Chubb Comprehensive &amp; Third-Party Coverage<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Definitions and explanation of the 7 crucial terms every car driver should know in a vehicle insurance policy. <\/p>\n","protected":false},"author":19,"featured_media":44609,"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>Vehicle Insurance: 7 Key Terms You Should Know<\/title>\n<meta name=\"description\" content=\"Definitions and explanation of the 7 crucial terms every car driver should know in a vehicle insurance policy.\" \/>\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\/vehicle-insurance-terms\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vehicle Insurance: 7 Key Terms You Should Know\" \/>\n<meta property=\"og:description\" content=\"Definitions and explanation of the 7 crucial terms every car driver should know in a vehicle insurance policy.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/vehicle-insurance-terms\" \/>\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=\"2023-12-27T07:05:03+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\/12\/FI-EN-12-27Artboard_5_copy_3-min.png?fit=1709%2C1080&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1709\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\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=\"4 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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