{"id":53867,"date":"2025-10-22T23:56:10","date_gmt":"2025-10-22T15:56:10","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53867"},"modified":"2025-10-29T18:29:59","modified_gmt":"2025-10-29T10:29:59","slug":"what-comprehensive-insurance-doesnt-cover","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/what-comprehensive-insurance-doesnt-cover","title":{"rendered":"What Comprehensive Insurance Doesn&#8217;t Cover"},"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-69d44847cfc22\" 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-69d44847cfc22\"><\/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-comprehensive-insurance-doesnt-cover\/#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-comprehensive-insurance-doesnt-cover\/#1_Damage_from_Floods_Landslides_or_Storms\" title=\"1. Damage from Floods, Landslides, or Storms\">1. Damage from Floods, Landslides, or Storms<\/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-comprehensive-insurance-doesnt-cover\/#2_Broken_or_Cracked_Windows\" title=\"2. Broken or Cracked Windows\">2. Broken or Cracked Windows<\/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-comprehensive-insurance-doesnt-cover\/#3_Personal_Belongings_Inside_the_Car\" title=\"3. Personal Belongings Inside the Car\">3. Personal Belongings Inside the Car<\/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-comprehensive-insurance-doesnt-cover\/#4_Misuse_or_Racing-Related_Damage\" title=\"4. Misuse or Racing-Related Damage\">4. Misuse or Racing-Related Damage<\/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-comprehensive-insurance-doesnt-cover\/#5_Natural_Wear_and_Tear\" title=\"5. Natural Wear and Tear\">5. Natural Wear and Tear<\/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\/what-comprehensive-insurance-doesnt-cover\/#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>A lot of people think once they\u2019ve got comprehensive insurance, they\u2019re fully protected \u2014 no matter what happens.<br>But here\u2019s the reality: even though it\u2019s the broadest plan available, there are still things comprehensive insurance doesn\u2019t cover. Most drivers only realize this when their claim gets rejected and they end up paying out of pocket. Let\u2019s clear that up before it happens to you.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Damage_from_Floods_Landslides_or_Storms\"><\/span><strong>1. Damage from Floods, Landslides, or Storms<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If your car gets damaged by flash floods, fallen trees, landslides, or strong winds \u2014 you\u2019re not automatically covered.<br>That kind of protection only kicks in if you\u2019ve added the <strong>Special Perils add-on (Flood &amp; Natural Disaster)<\/strong> to your policy.<br>A lot of Malaysians skip this because they think, \u201cIt rarely floods in my area,\u201d until the day it <em>does<\/em>. Then it hurts \u2014 literally and financially.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Broken_or_Cracked_Windows\"><\/span><strong>2. Broken or Cracked Windows<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Any damage to your car\u2019s front, rear, or side windows isn\u2019t included in the standard policy either.<br>To cover this, you\u2019ll need the <strong>Windscreen add-on<\/strong> \u2014 it\u2019s fairly cheap but super useful since replacing modern glass can easily cost hundreds of ringgit.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Personal_Belongings_Inside_the_Car\"><\/span><strong>3. Personal Belongings Inside the Car<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If someone breaks into your car and steals your laptop, bag, or phone, don\u2019t expect the insurance to pay for it.<br>Comprehensive insurance doesn\u2019t cover personal items inside the car \u2014 only the vehicle itself.<br>Your belongings are considered your own responsibility, not part of the insured property.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Misuse_or_Racing-Related_Damage\"><\/span><strong>4. Misuse or Racing-Related Damage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If your car is used for racing, test driving, or anything outside normal road use, your claim can be denied.<br>Same goes if the driver didn\u2019t have a valid license, was drunk, or under the influence during the accident.<br>Even with a comprehensive policy, these cases fall completely outside coverage.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Natural_Wear_and_Tear\"><\/span><strong>5. Natural Wear and Tear<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Comprehensive insurance doesn\u2019t cover wear and tear \u2014 stuff like worn-out brakes, bald tires, or a dead battery.<br>Those fall under regular maintenance, not accident damage.<br>It\u2019s a common misunderstanding; many assume \u201ccomprehensive\u201d means \u201ceverything,\u201d but basic upkeep is always the owner\u2019s job.<\/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=\"53938\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/what-comprehensive-insurance-doesnt-cover\/attachment\/4-131\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-131.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=\"4-131\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-131.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-131.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\/4-131.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing five common situations or damages not covered under a standard comprehensive car insurance policy in Malaysia.\" class=\"wp-image-53938\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-131.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-131.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-131.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-131.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-131.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>Comprehensive insurance is great, but it\u2019s not magic \u2014 it only protects what\u2019s listed. The good news? You can expand your coverage with the right add-ons.<br>Before renewing your policy, check the exclusions and add what you need directly when getting a quote on <strong>BJAK<\/strong>. That way, you\u2019ll know exactly what\u2019s covered and what\u2019s not \u2014 no nasty surprises later.<\/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-comprehensive-insurance-doesnt-cover\" 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-car-age-affects-insurance-price\">How Car Age Affects Insurance Price<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/effects-of-overinsured-underinsured-on-your-claim\">Effects Of Overinsured &amp; Underinsured On Your Claim<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/filing-claims-when-car-is-stolen-or-missing\">Filing Claims When Car Is Stolen or Missing<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Comprehensive car insurance sounds like it protects everything, but it doesn\u2019t. This guide breaks down what\u2019s not included in a standard policy and why it matters.<\/p>\n","protected":false},"author":31,"featured_media":53937,"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":[2655,42],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Comprehensive Insurance Doesn&#039;t Cover | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: What Comprehensive Insurance Doesn&#039;t Cover . 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