{"id":53619,"date":"2025-10-18T20:06:29","date_gmt":"2025-10-18T12:06:29","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53619"},"modified":"2025-10-29T18:30:03","modified_gmt":"2025-10-29T10:30:03","slug":"what-is-excess-in-car-insurance-policies","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/what-is-excess-in-car-insurance-policies","title":{"rendered":"What Is \u201cExcess\u201d in Car Insurance Policies"},"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-69d45cba7125f\" 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-69d45cba7125f\"><\/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\/what-is-excess-in-car-insurance-policies\/#Introduction\" title=\"Introduction\">Introduction<\/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\/what-is-excess-in-car-insurance-policies\/#1_What_Does_%E2%80%9CExcess%E2%80%9D_Mean_in_Car_Insurance\" title=\"1. What Does \u201cExcess\u201d Mean in Car Insurance?\">1. What Does \u201cExcess\u201d Mean in Car Insurance?<\/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\/what-is-excess-in-car-insurance-policies\/#2_Common_Types_of_Excess\" title=\"2. Common Types of Excess\">2. Common Types of Excess<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-is-excess-in-car-insurance-policies\/#Standard_Excess\" title=\"Standard Excess\">Standard Excess<\/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\/what-is-excess-in-car-insurance-policies\/#Compulsory_Excess\" title=\"Compulsory Excess\">Compulsory Excess<\/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\/what-is-excess-in-car-insurance-policies\/#Voluntary_Excess\" title=\"Voluntary Excess\">Voluntary Excess<\/a><\/li><\/ul><\/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\/what-is-excess-in-car-insurance-policies\/#3_When_Does_Excess_Apply\" title=\"3. When Does Excess Apply?\">3. When Does Excess Apply?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-is-excess-in-car-insurance-policies\/#4_How_to_Avoid_or_Reduce_Excess_Charges\" title=\"4. How to Avoid or Reduce Excess Charges\">4. How to Avoid or Reduce Excess Charges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-is-excess-in-car-insurance-policies\/#5_Real-Life_Example\" title=\"5. Real-Life Example\">5. Real-Life Example<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-is-excess-in-car-insurance-policies\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ever made an insurance claim and were told you still need to pay a small amount even though you already have full coverage?<br>That\u2019s what\u2019s called an <strong>\u201cexcess\u201d<\/strong>in car insurance, a portion of the repair cost that you must pay out of pocket before your insurer covers the rest.<\/p>\n\n\n\n<p>Many policyholders overlook this when purchasing insurance, only to feel the sting later when an accident happens.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_What_Does_%E2%80%9CExcess%E2%80%9D_Mean_in_Car_Insurance\"><\/span><strong>1. What Does \u201cExcess\u201d Mean in Car Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201cExcess\u201d refers to the <strong>self-contribution amount<\/strong> the policyholder must pay each time they make certain types of claims.<br>It acts as a <strong>risk-sharing mechanism<\/strong> between you and the insurer.<\/p>\n\n\n\n<p><strong>Example:<\/strong><strong><br><\/strong> If your policy has an excess of RM400 and your car repair costs RM2,000:<\/p>\n\n\n\n<ul><li>You pay RM400<br><\/li><li>The insurance company pays the remaining RM1,600<br><\/li><\/ul>\n\n\n\n<p>The amount of excess varies based on your insurer, vehicle type, and cause of the accident.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Common_Types_of_Excess\"><\/span><strong>2. Common Types of Excess<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are several types of excess that usually appear in your policy:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Standard_Excess\"><\/span><strong>Standard Excess<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The basic amount charged for every claim, usually between RM200 \u2013 RM400 depending on the insurer.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Compulsory_Excess\"><\/span><strong>Compulsory Excess<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Applied in specific situations such as:<\/p>\n\n\n\n<ul><li>The driver is under 21 years old<br><\/li><li>The driver holds a probationary (P) or less than 2 years\u2019 license<br><\/li><li>The driver is <strong>not named<\/strong> in the policy<br><\/li><\/ul>\n\n\n\n<p>This is typically <strong>an additional RM400<\/strong> on top of the standard excess.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Voluntary_Excess\"><\/span><strong>Voluntary Excess<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This is an optional excess amount you can set yourself when buying the policy.<br>The higher the voluntary excess you choose, the <strong>lower your annual premium<\/strong> \u2014 but you\u2019ll pay more out of pocket during a claim.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_When_Does_Excess_Apply\"><\/span><strong>3. When Does Excess Apply?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You\u2019ll be charged excess when:<\/p>\n\n\n\n<ul><li>Making an <strong>Own Damage<\/strong> claim (repairs for your own car)<br><\/li><li>The driver involved in the accident is not listed in the policy<br><\/li><li>The case is still under investigation and fault hasn\u2019t been determined<br><\/li><\/ul>\n\n\n\n<p>However, excess <strong>does not apply<\/strong> to:<\/p>\n\n\n\n<ul><li><strong>Third-party claims<\/strong><strong><br><\/strong><\/li><li><strong>Fire or theft<\/strong> claims (if covered under your policy)<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_How_to_Avoid_or_Reduce_Excess_Charges\"><\/span><strong>4. How to Avoid or Reduce Excess Charges<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To avoid unpleasant surprises during a claim, you can:<\/p>\n\n\n\n<ul><li><strong>List all regular drivers<\/strong> in your policy.<br><\/li><li><strong>Review the excess terms<\/strong> before buying or renewing your insurance.<br><\/li><li><strong>Compare policies on BJAK.my<\/strong> to see which insurers offer lower or more flexible excess options.<br><\/li><li>Choose a <strong>reasonable voluntary excess<\/strong> \u2014 low enough to handle in case of an accident, but enough to save on premium costs.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Real-Life_Example\"><\/span><strong>5. Real-Life Example<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Imagine you have a comprehensive policy listing only yourself as the driver.<br>One day, your younger brother drives your car and gets into an accident.<\/p>\n\n\n\n<p>In this case:<\/p>\n\n\n\n<ul><li>Your car is still covered.<br><\/li><li>But you\u2019ll be charged a <strong>compulsory excess of RM400<\/strong>.<br><\/li><li>If the total repair cost is RM5,000, your insurer pays RM4,600, and you cover RM400 yourself.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Even though it might seem minor, <strong>excess can make a big difference<\/strong> when an accident happens.<br>Before buying or renewing your policy, check the excess details through <strong>BJAK.my<\/strong> so you\u2019ll know exactly how much you\u2019re covered for \u2014 and won\u2019t be caught off guard when it\u2019s time to claim.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53681\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/what-is-excess-in-car-insurance-policies\/attachment\/4-110\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-110.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=\"4-110\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-110.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-110.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\/4-110.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic titled \u201cTypes of Excess in Car Insurance\u201d with three aligned boxes \u2014 Standard, Compulsory, and Voluntary. Each box includes icons \ud83d\udcb5 money, \ud83d\ude97 car, and \ud83d\udc68\u200d\u2708\ufe0f young driver, with short labels \u201cWhen &amp; Why It Applies\u201d. Soft blue and orange theme.\" class=\"wp-image-53681\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-110.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-110.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-110.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-110.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-110.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\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=what-is-excess-in-car-insurance-policies\" 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-avoid-paying-for-unnecessary-insurance\">How to Avoid Paying for Unnecessary Insurance<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/motor-insurance-for-motorcycles-what-you-need-to-know\">Motor Insurance for Motorcycles: What You Need to Know<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/tips-to-renew-cheap-insurance-without-compromising-safety\">Tips to Renew Cheap Insurance Without Compromising Safety<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Many drivers get confused when they hear the term \u201cexcess\u201d in their car insurance policy. This article explains what excess really means, when it applies, and how to avoid paying more during a claim.<\/p>\n","protected":false},"author":31,"featured_media":53680,"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":[2429,88],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is \u201cExcess\u201d in Car Insurance Policies | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: What Is \u201cExcess\u201d in Car Insurance Policies . 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