{"id":53856,"date":"2025-10-22T23:53:56","date_gmt":"2025-10-22T15:53:56","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53856"},"modified":"2025-10-29T18:29:59","modified_gmt":"2025-10-29T10:29:59","slug":"what-is-vehicle-insurance-why-its-needed","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/what-is-vehicle-insurance-why-its-needed","title":{"rendered":"What Is Vehicle Insurance &#038; Why It&#8217;s Needed"},"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-69d459675970c\" 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-69d459675970c\"><\/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\/what-is-vehicle-insurance-why-its-needed\/#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\/what-is-vehicle-insurance-why-its-needed\/#What_Vehicle_Insurance_Does\" title=\"What Vehicle Insurance Does\">What Vehicle Insurance Does<\/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\/what-is-vehicle-insurance-why-its-needed\/#Types_of_Vehicle_Insurance\" title=\"Types of Vehicle Insurance\">Types of Vehicle Insurance<\/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\/what-is-vehicle-insurance-why-its-needed\/#Why_It_Matters_Insurance_isn%E2%80%99t_just_a_legal_thing_It\" title=\"Why It Matters  Insurance isn\u2019t just a legal thing. It:\">Why It Matters  Insurance isn\u2019t just a legal thing. It:<\/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-vehicle-insurance-why-its-needed\/#Checking_and_Renewing_Made_Easy\" title=\"Checking and Renewing Made Easy\">Checking and Renewing Made Easy<\/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>Every time it\u2019s roadtax renewal time, vehicle insurance comes first. But do you really know why? Many treat it like just a formality. The truth? It can save you big money if something goes wrong. So it pays to know what\u2019s covered and pick the plan that fits your car \u2014 and your budget.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_Vehicle_Insurance_Does\"><\/span><strong>What Vehicle Insurance Does<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Basically, it\u2019s a safety net. If your car gets damaged, stolen, or caught in an accident, the insurer chips in. How much depends on the plan you pick.<br>In Malaysia, you need at least Third Party insurance to renew roadtax. No policy, no roadtax \u2014 simple as that.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Types_of_Vehicle_Insurance\"><\/span><strong>Types of Vehicle Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>Third Party Only:<\/strong> Covers damage or injuries to others, not your car.<br><\/li><li><strong>Third Party, Fire and Theft:<\/strong> Adds protection if your car is stolen or catches fire.<br><\/li><li><strong>Comprehensive (First Party):<\/strong> Covers your car and others. Extras like flood cover, windscreen, or all-driver protection can be added.<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=\"53928\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/what-is-vehicle-insurance-why-its-needed\/attachment\/4-128\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-128-scaled.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=\"4-128\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-128-scaled.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-128-scaled.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\/4-128.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing three main types of vehicle insurance in Malaysia, comparing coverage levels and example situations for each.\" class=\"wp-image-53928\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-128-scaled.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-128-scaled.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-128-scaled.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-128-scaled.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-128-scaled.jpg?resize=2048%2C1295&amp;ssl=1 2048w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-128-scaled.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=\"Why_It_Matters_Insurance_isn%E2%80%99t_just_a_legal_thing_It\"><\/span><strong>Why It Matters<br><\/strong> Insurance isn\u2019t just a legal thing. It:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Saves you money on repairs.<br><\/li><li>Keeps you compliant with the law.<br><\/li><li>Can include roadside help, towing, and emergency support.<br><\/li><li>Lets panel workshops handle claims, so you don\u2019t stress.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Checking_and_Renewing_Made_Easy\"><\/span><strong>Checking and Renewing Made Easy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tools like BJAK make this simple. Compare prices, pick a plan, and renew insurance and roadtax in one go. Policies are sent straight to your email or WhatsApp. No lines, no hassle.<\/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=what-is-vehicle-insurance--why-its-needed\" 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\/documents-required-for-insurance-claim\">Documents Required For Insurance Claim<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/road-safety-awareness-link-between-insurance-road-safety\">Road Safety Awareness: Link Between Insurance &amp; Road Safety<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/conventional-insurance-vs-takaful-the-diffrence\">Conventional Insurance vs Takaful: The Diffrence?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Most people know car insurance is required, but few actually understand why. This article breaks down what vehicle insurance is, how it works, and why it\u2019s so important for every driver.<\/p>\n","protected":false},"author":31,"featured_media":53927,"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":[1665],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Vehicle Insurance &amp; Why It&#039;s Needed | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: What Is Vehicle Insurance &amp; Why It&#039;s Needed .Learn what is covered, difference &amp; policy type when renewing with 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\/what-is-vehicle-insurance-why-its-needed\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Vehicle Insurance &amp; Why It&#039;s Needed | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: What Is Vehicle Insurance &amp; Why It&#039;s Needed .Learn what is covered, difference &amp; policy type when renewing with BJAK\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/what-is-vehicle-insurance-why-its-needed\" \/>\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=\"2025-10-22T15:53:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:29:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/2-128-scaled.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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