{"id":53498,"date":"2025-10-17T20:18:09","date_gmt":"2025-10-17T12:18:09","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53498"},"modified":"2025-10-29T18:30:05","modified_gmt":"2025-10-29T10:30:05","slug":"how-to-avoid-paying-for-unnecessary-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/how-to-avoid-paying-for-unnecessary-insurance","title":{"rendered":"How to Avoid Paying for Unnecessary Insurance"},"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-69d46e81576af\" 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-69d46e81576af\"><\/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\/how-to-avoid-paying-for-unnecessary-insurance\/#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\/how-to-avoid-paying-for-unnecessary-insurance\/#1_Coverage_Often_Purchased_but_Not_Always_Needed\" title=\"1. Coverage Often Purchased but Not Always Needed\">1. Coverage Often Purchased but Not Always Needed<\/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\/how-to-avoid-paying-for-unnecessary-insurance\/#2_How_to_Check_Your_Policy\" title=\"2. How to Check Your Policy\">2. How to Check Your Policy<\/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\/how-to-avoid-paying-for-unnecessary-insurance\/#3_Risks_of_Not_Reviewing_Your_Policy\" title=\"3. Risks of Not Reviewing Your Policy\">3. Risks of Not Reviewing Your Policy<\/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\/how-to-avoid-paying-for-unnecessary-insurance\/#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 vehicle owners in Malaysia don\u2019t realize they are actually paying extra for unnecessary car insurance. Sometimes it\u2019s because they don\u2019t understand the function of each coverage, and sometimes because agents have added add-ons without proper explanation. This article will show you how to identify optional coverage \u2014 and how to review your policy via BJAK so your insurance budget stays worthwhile.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Coverage_Often_Purchased_but_Not_Always_Needed\"><\/span><strong>1. Coverage Often Purchased but Not Always Needed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>a. Car Windscreen Coverage<\/strong><strong><br><\/strong> This coverage is popular but not necessary for everyone. If your car isn\u2019t expensive or rarely parked in high-risk areas, the extra premium for windscreen coverage may not be worth it \u2014 the actual cost to replace the windscreen is often not that high.<\/p>\n\n\n\n<p><strong>b. Flood \/ Natural Disaster Coverage<\/strong><strong><br><\/strong> If you live in a high-area or have never experienced flooding, this add-on can be considered optional. It\u2019s important coverage, but not mandatory for everyone.<\/p>\n\n\n\n<p><strong>c. Personal Accident Coverage (PA Driver &amp; Passenger)<\/strong><strong><br><\/strong> Many people are already covered under life insurance, takaful, or company benefits. So adding PA coverage in your car insurance could be overlapping and unnecessary.<\/p>\n\n\n\n<p><strong>d. Additional Accessories (Sports Rims, Audio System)<\/strong><strong><br><\/strong> If you haven\u2019t installed high-value accessories, this coverage only increases your premium unnecessarily. Use that money for car servicing or more meaningful protection.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53558\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-avoid-paying-for-unnecessary-insurance\/attachment\/4-100\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-100.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=\"4-100\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-100.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-100.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-100.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic comparing essential insurance add-ons versus optional ones, helping users evaluate coverage before renewing their policy.\" class=\"wp-image-53558\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-100.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-100.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-100.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-100.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-100.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=\"2_How_to_Check_Your_Policy\"><\/span><strong>2. How to Check Your Policy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Want to know if you\u2019re paying for unnecessary add-ons?<br>It\u2019s simple:<\/p>\n\n\n\n<ol><li>Visit <strong>BJAK.my<\/strong> and get a new quote.<br><\/li><li>The system will display all policy details, including add-ons like flood, windscreen, PA, etc.<br><\/li><li>Review, remove, or adjust irrelevant coverage before renewing.<br><\/li><\/ol>\n\n\n\n<p>&nbsp;<strong>BJAK Tip:<\/strong><strong><br><\/strong> If in doubt, WhatsApp or email a BJAK representative. They can help review your existing add-ons and adjust your quote so you only keep what\u2019s really important.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Risks_of_Not_Reviewing_Your_Policy\"><\/span><strong>3. Risks of Not Reviewing Your Policy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you don\u2019t review, common risks include:<\/p>\n\n\n\n<ul><li>Paying higher premiums for no reason.<br><\/li><li>Overlapping coverage between car insurance and personal policies.<br><\/li><li>NCD not fully utilized because the base premium is already high.<br><\/li><\/ul>\n\n\n\n<p>In short, you lose twice \u2014 more money spent with no added benefit.<\/p>\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>Not all insurance coverage is mandatory. Understand your needs first, then choose relevant add-ons. With BJAK, you can quickly review and compare policies, ensure no overpayment, and only keep the coverage that truly matters.<\/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=how-to-avoid-paying-for-unnecessary-insurance\" 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\/how-to-properly-claim-car-glass-damage-insurance\">How to Properly Claim Car Glass Damage Insurance<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/market-value-vs-agreed-value-pick-the-right-insurance-coverage\">Market Value vs Agreed Value: Pick the Right Insurance Coverage<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-to-renew-roadtax-using-myjpj-app\">How to Renew Roadtax Using MyJPJ App<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many vehicle owners don\u2019t realize they\u2019re paying extra for unnecessary add-ons, like flood coverage, windscreen, and extra PA protection. Learn how to avoid overpaying and review your policy via BJAK so that only essential coverage is maintained without affecting your budget.<\/p>\n","protected":false},"author":31,"featured_media":53557,"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":[88],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Avoid Paying for Unnecessary Insurance | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: How to Avoid Paying for Unnecessary Insurance by using BJAK so you only pay for what matters.\" \/>\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\/how-to-avoid-paying-for-unnecessary-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Avoid Paying for Unnecessary Insurance | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: How to Avoid Paying for Unnecessary Insurance by using BJAK so you only pay for what matters.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-avoid-paying-for-unnecessary-insurance\" \/>\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=\"2025-10-17T12:18:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:30:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/2-100.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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