{"id":54710,"date":"2025-10-31T22:58:44","date_gmt":"2025-10-31T14:58:44","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54710"},"modified":"2025-10-31T22:58:45","modified_gmt":"2025-10-31T14:58:45","slug":"what-are-agreed-market-value-in-car-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/what-are-agreed-market-value-in-car-insurance","title":{"rendered":"What Are Agreed &#038; Market Value 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-69d4606c085ae\" 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-69d4606c085ae\"><\/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-are-agreed-market-value-in-car-insurance\/#What_Is_Agreed_Value_in_Car_Insurance\" title=\"What Is Agreed Value in Car Insurance?\">What Is Agreed Value in Car Insurance?<\/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-are-agreed-market-value-in-car-insurance\/#What_Is_Market_Value_in_Car_Insurance\" title=\"What Is Market Value in Car Insurance?\">What Is Market Value in Car Insurance?<\/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-are-agreed-market-value-in-car-insurance\/#Key_Differences_Between_Agreed_Value_Market_Value\" title=\"Key Differences Between Agreed Value &amp; Market Value\">Key Differences Between Agreed Value &amp; Market Value<\/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-are-agreed-market-value-in-car-insurance\/#Tips_to_Choose_the_Right_Value\" title=\"Tips to Choose the Right Value\">Tips to Choose the Right Value<\/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-are-agreed-market-value-in-car-insurance\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"What_Is_Agreed_Value_in_Car_Insurance\"><\/span><strong>What Is Agreed Value in Car Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Agreed Value is the fixed amount you and your insurer agree upon when you buy your policy. This means if your car gets badly damaged or stolen, your claim will be based on that agreed amount \u2014 not the market price at the time of the accident. For example, if you own a high-value imported car, you don\u2019t have to worry about depreciation or a sudden drop in market price. The payout remains the same because the value was confirmed from the start.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_Is_Market_Value_in_Car_Insurance\"><\/span><strong>What Is Market Value in Car Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Market Value refers to your car\u2019s current market price at the time of the claim.<br>Let\u2019s say your car is three years old \u2014 its market value is naturally lower than when you first bought it. If it\u2019s written off or stolen, your insurer will pay based on the market value, not the original purchase price.<\/p>\n\n\n\n<p>This option suits older cars or vehicles that depreciate quickly. While the premium is generally lower, the claim amount may also be less compared to Agreed Value.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Key_Differences_Between_Agreed_Value_Market_Value\"><\/span><strong>Key Differences Between Agreed Value &amp; Market Value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-neve-link-color-background-color has-background\"><tbody><tr><td><strong>Factor<\/strong><\/td><td><strong>Agreed Value<\/strong><\/td><td><strong>Market Value<\/strong><\/td><\/tr><tr><td><strong>Claim Amount<\/strong><\/td><td>Fixed and guaranteed<\/td><td>Based on current market price<\/td><\/tr><tr><td><strong>Best For<\/strong><\/td><td>New or imported cars<\/td><td>Older cars or fast-depreciating models<\/td><\/tr><tr><td><strong>Premium<\/strong><\/td><td>Usually higher<\/td><td>Usually lower<\/td><\/tr><tr><td><strong>Risk<\/strong><\/td><td>Guaranteed payout at claim<\/td><td>May receive less depending on depreciation<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"54772\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/what-are-agreed-market-value-in-car-insurance\/attachment\/4-187\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-187.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=\"4-187\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-187.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-187.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\/4-187.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing the main differences between Agreed Value and Market Value in Malaysian car insurance policies.\n\" class=\"wp-image-54772\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-187.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-187.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-187.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-187.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-187.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=\"Tips_to_Choose_the_Right_Value\"><\/span><strong>Tips to Choose the Right Value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>For new or imported cars:<\/strong> Go for <strong>Agreed Value<\/strong> to lock in a guaranteed claim amount.<br><\/li><li><strong>For older cars:<\/strong> Choose <strong>Market Value<\/strong> to save on premium, but understand that the payout may be smaller.<br><\/li><li><strong>Before buying:<\/strong> Review your policy and ask your agent about the level of risk you\u2019re comfortable with.<br><\/li><li><strong>Consider depreciation:<\/strong> Think about how much value your car loses yearly and how much you can afford to cover yourself.<br><\/li><\/ul>\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 the difference between Agreed Value and Market Value helps you make smarter insurance choices. By selecting the right option, you\u2019ll have peace of mind knowing your coverage matches your car\u2019s real worth. When the unexpected happens, your claim payout will align with your needs \u2014 without extra stress or surprises.<\/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-are-agreed--market-value-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\/6-month-vs-1-year-roadtax-which-is-worth-it\">6-Month vs 1-Year Roadtax: Which Is Worth It?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax-not-active-in-myjpj-causes-solutions\">Roadtax Not Active in MyJPJ: Causes &amp; Solutions<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/renew-hire-purchase-car-roadtax\">Renew Hire Purchase Car Roadtax<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Learn the difference between Agreed Value and Market Value in your car insurance policy so you can choose the right protection for your vehicle<\/p>\n","protected":false},"author":31,"featured_media":54771,"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":[2959,2836],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Are Agreed &amp; Market Value in Car Insurance | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: What Are Agreed &amp; Market Value in Car Insurance . 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