{"id":54129,"date":"2025-10-25T23:08:40","date_gmt":"2025-10-25T15:08:40","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54129"},"modified":"2025-10-29T18:29:55","modified_gmt":"2025-10-29T10:29:55","slug":"how-sum-insured-is-calculated-in-car-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/how-sum-insured-is-calculated-in-car-insurance","title":{"rendered":"How Sum Insured Is Calculated In Car 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-69d45cbd4f61f\" 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-69d45cbd4f61f\"><\/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-sum-insured-is-calculated-in-car-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-sum-insured-is-calculated-in-car-insurance\/#How_the_Sum_Insured_Is_Decided\" title=\"How the Sum Insured Is Decided\">How the Sum Insured Is Decided<\/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-sum-insured-is-calculated-in-car-insurance\/#Why_the_Sum_Insured_Matters\" title=\"Why the Sum Insured Matters\">Why the Sum Insured Matters<\/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-sum-insured-is-calculated-in-car-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>When you buy or renew car insurance, you&#8217;ll ask what is sum insured. A lot of people just skip past it without knowing how important it is. Simply put, sum insured is the highest amount your insurer will pay if your car gets stolen or badly damaged. Knowing how this number works helps you make sure you\u2019re properly covered \u2014 not paying too much, and not getting too little protection.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_the_Sum_Insured_Is_Decided\"><\/span><strong>How the Sum Insured Is Decided<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>1. Based on your car\u2019s market value<\/strong><br>The amount is mostly based on your car\u2019s current market price when you buy or renew your policy.<br>Older cars drop in value every year, so the value goes down too. Things like brand, mileage, and condition also matter.<\/p>\n\n\n\n<p><strong>2. Depends on the type of policy you have<\/strong><\/p>\n\n\n\n<ul><li><strong>Comprehensive insurance<\/strong> covers full repair or replacement costs, up to your sum insured.<\/li><li><strong>Third Party, Fire &amp; Theft (TPFT)<\/strong> only covers losses from fire or theft, not accident damage.<\/li><\/ul>\n\n\n\n<p><strong>3. Affected by extra factors<\/strong><br>Accessories, modifications, or upgraded parts can increase the total insured value. Some insurers even let you include these add-ons with a small extra premium.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"54180\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-sum-insured-is-calculated-in-car-insurance\/attachment\/4-152\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-152.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=\"4-152\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-152.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-152.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\/4-152.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic explaining what sum insured means and how it\u2019s calculated, divided into three sections \u2014 car market value, policy type, and additional factors \u2014 illustrated with icons of money \ud83d\udcb0, shield \ud83d\udee1\ufe0f, and document \ud83e\uddfe to represent value, protection, and policy details.\" class=\"wp-image-54180\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-152.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-152.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-152.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-152.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-152.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_the_Sum_Insured_Matters\"><\/span><strong>Why the Sum Insured Matters<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If the coverage amount is too low, you\u2019ll end up paying part of the repair cost yourself.<br>If it\u2019s too high, you\u2019re just paying extra for nothing.<br>The right balance makes sure you\u2019re fully covered \u2014 and that your insurer pays a fair amount if your car\u2019s a total loss or gets stolen.<\/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>Understanding sum insured amount isn\u2019t just insurance jargon \u2014 it\u2019s about knowing how much protection your car really has. Always check your car\u2019s current value before you renew, and update the figure if needed. A little attention now can save you a big headache 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\/blog\/how-sum-insured-is-calculated-in-car-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\/evolution-of-digital-insurance-in-malaysia\">Evolution Of Digital Insurance in Malaysia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-ai-helps-insurance-claim-process\">How AI Helps Insurance Claim Process<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-insurance-help-during-natural-disasters\">How Insurance Help During Natural Disasters<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Many car owners are confused about the term sum insured. This article explains what it means, how it\u2019s calculated, and why it\u2019s important to ensure you have the right level of insurance coverage.<\/p>\n","protected":false},"author":31,"featured_media":54181,"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":[3028],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Sum Insured Is Calculated In Car Insurance | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: How Sum Insured Is Calculated In Car Insurance . 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