{"id":53381,"date":"2025-10-16T23:03:06","date_gmt":"2025-10-16T15:03:06","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53381"},"modified":"2025-10-29T18:30:07","modified_gmt":"2025-10-29T10:30:07","slug":"why-car-insurance-premiums-increase-every-year","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/why-car-insurance-premiums-increase-every-year","title":{"rendered":"Why Car Insurance Premiums Increase Every Year"},"content":{"rendered":"\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-69d46e65a2e50\" 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-69d46e65a2e50\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/why-car-insurance-premiums-increase-every-year\/#Introduction\" title=\"Introduction\">Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/why-car-insurance-premiums-increase-every-year\/#Factor_1_NCD_Claims_History\" title=\"Factor 1: NCD &amp; Claims History\">Factor 1: NCD &amp; Claims History<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/why-car-insurance-premiums-increase-every-year\/#Factor_2_Changes_in_Roadtax\" title=\"Factor 2: Changes in Roadtax\">Factor 2: Changes in Roadtax<\/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\/why-car-insurance-premiums-increase-every-year\/#Factor_3_Vehicle_Age_Value\" title=\"Factor 3: Vehicle Age &amp; Value\">Factor 3: Vehicle Age &amp; Value<\/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\/why-car-insurance-premiums-increase-every-year\/#Factor_4_Insurance_Trends_Inflation\" title=\"Factor 4: Insurance Trends &amp; Inflation\">Factor 4: Insurance Trends &amp; Inflation<\/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\/why-car-insurance-premiums-increase-every-year\/#Factor_5_Driver_Profile_Driving_Record\" title=\"Factor 5: Driver Profile &amp; Driving Record\">Factor 5: Driver Profile &amp; Driving 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\/car-insurance\/why-car-insurance-premiums-increase-every-year\/#Tips_to_Reduce_Premium_Increase\" title=\"Tips to Reduce Premium Increase\">Tips to Reduce Premium Increase<\/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\/car-insurance\/why-car-insurance-premiums-increase-every-year\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Many drivers wonder why their insurance premiums increase every year even if no claims are made. The increase isn\u2019t random \u2014 there are clear reasons behind it. This article explains the main factors affecting premium hikes, including <strong>NCD, roadtax rates, car type, insurance trends<\/strong>, and how to reduce costs using <strong>BJAK Calculator<\/strong> and panel options such as <strong>Allianz, Takaful Malaysia, or P&amp;O Insurance<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Factor_1_NCD_Claims_History\"><\/span><strong>Factor 1: NCD &amp; Claims History<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Each claim you make can reduce or remove your <strong>NCD<\/strong>.<br><\/li><li>Lower NCD results in higher premiums compared to the previous year.<br><\/li><li>Even without claims, some policies increase annually based on set formulas.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Factor_2_Changes_in_Roadtax\"><\/span><strong>Factor 2: Changes in Roadtax<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Higher roadtax = higher risk &amp; insurance cost.<br><\/li><li>Changes in engine capacity or state-specific roadtax rates can also raise premiums.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Factor_3_Vehicle_Age_Value\"><\/span><strong>Factor 3: Vehicle Age &amp; Value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>New cars<\/strong> \u2192 higher premiums due to expensive replacement costs.<br><\/li><li><strong>Older cars<\/strong> \u2192 premiums may increase for certain risks, especially if using <strong>Market Value<\/strong> coverage and the market value drops.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Factor_4_Insurance_Trends_Inflation\"><\/span><strong>Factor 4: Insurance Trends &amp; Inflation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Rising repair costs, spare parts, and labor rates push premiums higher.<br><\/li><li>Inflation increases base insurance rates even if driver risk remains the same.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Factor_5_Driver_Profile_Driving_Record\"><\/span><strong>Factor 5: Driver Profile &amp; Driving Record<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Age, experience, and traffic violation or accident history can influence premium hikes.<br><\/li><li><strong>BJAK<\/strong> provides panel comparison so you can find the most competitive rates.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Tips_to_Reduce_Premium_Increase\"><\/span><strong>Tips to Reduce Premium Increase<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Maintain NCD by avoiding minor claims.<br><\/li><li>Check roadtax and combine with <strong>BJAK Calculator<\/strong> for accurate cost estimates.<br><\/li><li>Compare insurance panels via <strong>BJAK<\/strong> (Allianz, Takaful Malaysia, P&amp;O Insurance).<br><\/li><li>Choose coverage type wisely (<strong>Market Value vs Agreed Value<\/strong>).<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53442\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/why-car-insurance-premiums-increase-every-year\/attachment\/4-91\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-91.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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;1&quot;}\" data-image-title=\"4-91\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-91.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-91.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-91.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Circular diagram showing five main factors why car insurance premiums increase each year: NCD, roadtax, vehicle value, inflation, and driver profile.\" class=\"wp-image-53442\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-91.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-91.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-91.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-91.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-91.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Annual insurance premiums increase are not just bad luck \u2014 they\u2019re influenced by <strong>NCD, roadtax, vehicle value, cost trends, and driver profile<\/strong>. Understanding these factors allows you to take smart steps: maintain NCD, check roadtax, and compare BJAK panels to reduce yearly costs.<\/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-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=why-car-insurance-premiums-increase-every-year\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/calculate-car-roadtax-online-in-malaysia-easily\">Calculate Car Roadtax Online in Malaysia Easily<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/bjak-bengkel-car-service-now-pay-later\">BJAK Bengkel: Car Service Now, Pay Later<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/bjak-workshop-car-service-with-instalment-plan-from-rm10-month\">BJAK Bengkel: Car Service with Instalment Plan from RM10\/Month<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Car insurance premiums can rise yearly even without claims. Factors include NCD, roadtax, vehicle value, inflation, and driver profile. This guide explains why premiums increase and how to reduce costs smartly using BJAK Calculator and panel insurance comparison.<\/p>\n","protected":false},"author":31,"featured_media":53441,"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":[429,2846],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Car Insurance Premiums Increase Every Year | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Why Car Insurance Premiums Increase Every Year &amp; how to save smartly using 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\/why-car-insurance-premiums-increase-every-year\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Car Insurance Premiums Increase Every Year | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Why Car Insurance Premiums Increase Every Year &amp; how to save smartly using BJAK.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/why-car-insurance-premiums-increase-every-year\" \/>\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=\"2025-10-16T15:03:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:30:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/2-91.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=\"tariqsiregar@bjak.my\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 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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