{"id":54702,"date":"2025-10-31T22:58:23","date_gmt":"2025-10-31T14:58:23","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54702"},"modified":"2025-11-05T15:41:03","modified_gmt":"2025-11-05T07:41:03","slug":"excess-car-insurance-how-its-calculate","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/excess-car-insurance-how-its-calculate","title":{"rendered":"Excess In Car Insurance &#038; How It\u2019s Calculated"},"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-69d46e63d99dd\" 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-69d46e63d99dd\"><\/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\/excess-car-insurance-how-its-calculate\/#What%E2%80%99s_Excess_In_Car_Insurance_Anyway\" title=\"What\u2019s Excess In Car Insurance Anyway?\">What\u2019s Excess In Car Insurance Anyway?<\/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\/excess-car-insurance-how-its-calculate\/#How_They_Figure_Out_Your_Excess\" title=\"How They Figure Out Your Excess\">How They Figure Out Your Excess<\/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\/excess-car-insurance-how-its-calculate\/#Tips_to_Keep_Your_Costs_Down\" title=\"Tips to Keep Your Costs Down\">Tips to Keep Your Costs Down<\/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\/excess-car-insurance-how-its-calculate\/#Wrapping_Up\" title=\"Wrapping Up\">Wrapping Up<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"What%E2%80%99s_Excess_In_Car_Insurance_Anyway\"><\/span><strong>What\u2019s Excess In Car Insurance Anyway?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>So, here\u2019s the deal. You make a claim, and the insurance company fixes your car. But, wait, you still pay a bit yourself. That\u2019s <strong>excess in car insurance<\/strong>. Simple as that.<\/p>\n\n\n\n<p>For example, your car repair costs RM2,000. Your policy has RM500 excess. You pay RM500, insurer covers RM1,500. Done. Easy to follow, right? Honestly, excess keeps premiums down and stops people from claiming for tiny scratches all the time.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_They_Figure_Out_Your_Excess\"><\/span><strong>How They Figure Out Your Excess<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Excess isn\u2019t just random. There are a few types:<\/p>\n\n\n\n<ul><li><strong>Compulsory excess<\/strong> \u2013 set by the insurer, depends on your car and claim type.<br><\/li><li><strong>Voluntary excess<\/strong> \u2013 you pick this. Higher voluntary excess? Lower premiums.<br><\/li><li><strong>Driver age or experience-based excess<\/strong> \u2013 new or young drivers might pay extra.<br><\/li><\/ul>\n\n\n\n<p>Total excess = compulsory + voluntary. Always double-check your policy, just in case.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Tips_to_Keep_Your_Costs_Down\"><\/span><strong>Tips to Keep Your Costs Down<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>Pick voluntary excess carefully<\/strong> \u2013 higher means lower monthly payments, but more to pay if you claim.<br><\/li><li><strong>Think before claiming<\/strong> \u2013 if the repair cost is close to your excess, just pay it yourself.<br><\/li><li><strong>Shop around<\/strong> \u2013 insurers calculate excess differently. A quick compare can save you money.<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=\"54768\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/excess-car-insurance-how-its-calculate\/attachment\/4-185\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-185.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=\"4-185\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-185.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-185.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\/4-185.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing how car insurance excess works in Malaysia, with steps to pick and pay it.\" class=\"wp-image-54768\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-185.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-185.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-185.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-185.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-185.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=\"Wrapping_Up\"><\/span><strong>Wrapping Up<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Excess might feel annoying, but let\u2019s be real\u2014it keeps your insurance cheaper. Know your numbers, pick the right voluntary excess, and don\u2019t sweat small scratches. Your car stays covered, and your wallet stays happier.<\/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=excess-car-insurance--how-its-calculate\" 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\/renewing-roadtax-for-imported-cbu-local-ckd-cars\">Renewing Roadtax for Imported (CBU) &amp; Local (CKD) Cars<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/renewing-company-car-roadtax-steps-required-documents\">Renewing Company Car Roadtax: Steps &amp; Required Documents<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/6-month-vs-1-year-roadtax-which-is-worth-it\">6-Month vs 1-Year Roadtax: Which Is Worth It?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ever wondered why you still pay something when claiming car insurance? Let\u2019s break down excess, how it\u2019s calculated, and a few tips to avoid paying more than you have to.<\/p>\n","protected":false},"author":31,"featured_media":54767,"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":[429,2429],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Excess In Car Insurance &amp; How It\u2019s Calculated | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Excess In Car Insurance &amp; How It\u2019s Calculated . 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