{"id":55846,"date":"2025-11-13T23:35:59","date_gmt":"2025-11-13T15:35:59","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=55846"},"modified":"2025-11-13T23:36:03","modified_gmt":"2025-11-13T15:36:03","slug":"car-insurance-claims-increase-high-premium-risks","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-claims-increase-high-premium-risks","title":{"rendered":"Car Insurance Claims Increase &#038; High Premium Risks"},"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-69e11e187106a\" 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-69e11e187106a\"><\/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-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-claims-increase-high-premium-risks\/#Introduction\" title=\"Introduction\">Introduction<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-claims-increase-high-premium-risks\/#1_What_Car_Insurance_Claims_Increase_Means\" title=\"1. What Car Insurance Claims Increase Means\">1. What Car Insurance Claims Increase Means<\/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\/car-insurance-claims-increase-high-premium-risks\/#2_Main_Reasons_for_Higher_Premiums_in_2025\" title=\"2. Main Reasons for Higher Premiums in 2025\">2. Main Reasons for Higher Premiums in 2025<\/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\/car-insurance-claims-increase-high-premium-risks\/#3_Impact_of_Premium_Increases_on_Drivers\" title=\"3. Impact of Premium Increases on Drivers\">3. Impact of Premium Increases on Drivers<\/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\/car-insurance-claims-increase-high-premium-risks\/#4_How_to_Save_on_Car_Insurance_Premiums_in_2025\" title=\"4. How to Save on Car Insurance Premiums in 2025\">4. How to Save on Car Insurance Premiums in 2025<\/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\/car-insurance-claims-increase-high-premium-risks\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The rise in <strong>car insurance claims<\/strong> has become a major issue in Malaysia. Many drivers are surprised when their annual premiums increase even without making any claims. This happens because the total number of claims in the market \u2014 including accidents, floods, and fraud \u2014 affects how insurers set their prices.<\/p>\n\n\n\n<p>In this article, we\u2019ll explore how the increase in car insurance claims drives premiums up, the main factors contributing to this rise, and simple ways to save when renewing your policy.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_What_Car_Insurance_Claims_Increase_Means\"><\/span><strong>1. What Car Insurance Claims Increase Means<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A car insurance claim is a request for compensation after your vehicle is damaged or involved in an accident. When the total number of claims rises sharply, insurers reassess market risk \u2014 and as a result, premiums for all drivers can increase, not just for those who made claims.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Main_Reasons_for_Higher_Premiums_in_2025\"><\/span><strong>2. Main Reasons for Higher Premiums in 2025<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Several key factors are driving car insurance rates up this year:<\/p>\n\n\n\n<ul><li><strong>Rising spare parts and labor costs<\/strong> \u2014 component prices and workshop fees increase annually.<br><\/li><li><strong>Flood-related damages<\/strong> \u2014 more total loss claims after major floods.<br><\/li><li><strong>Claims fraud<\/strong> \u2014 fake claims continue to impact the market overall.<br><\/li><li><strong>High road accident rates<\/strong> \u2014 more accidents mean higher risk for insurers.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Impact_of_Premium_Increases_on_Drivers\"><\/span><strong>3. Impact of Premium Increases on Drivers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When premiums rise, many car owners opt for the cheapest plan without considering actual coverage. This can lead to problems during accidents. Platforms like BJAK allow you to compare prices, check your NCD, and select appropriate coverage without overpaying.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_How_to_Save_on_Car_Insurance_Premiums_in_2025\"><\/span><strong>4. How to Save on Car Insurance Premiums in 2025<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Simple ways to keep costs down:<\/p>\n\n\n\n<ul><li>Maintain your <strong>NCD<\/strong> by avoiding small claims.<br><\/li><li>Choose a basic plan without unnecessary add-ons.<br><\/li><li>Compare multiple insurers through <strong>BJAK<\/strong> before renewing.<br><\/li><li>Add optional coverage like <strong>VIP Rescue<\/strong> or <strong>Key Care<\/strong> only when needed.<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=\"55909\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-claims-increase-high-premium-risks\/attachment\/4-83-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-83.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=\"4-83\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-83.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-83.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-83.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing the main reasons for rising car insurance premiums and practical ways to save in 2025, including high claims, spare parts costs, and saving tips.\" class=\"wp-image-55909\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-83.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-83.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-83.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-83.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-83.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>In short, rising car insurance claims directly affect premiums for all drivers, not just those who file claims. By understanding the main causes and using platforms like BJAK to compare plans before renewing, you can stay protected without paying excessively high premiums.<\/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=car-insurance-claims-increase--high-premium-risks\" 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\/car-insurance\/car-insurance-premium-increases-causes-how-to-save\">Car Insurance Premium Increases: Causes &amp; How to Save<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/registering-myjpj-without-a-drivers-license\">Registering MyJPJ Without A Driver\u2019s License<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/electric-vehicles-evs-insurance-add-ons-latest-coverage\">Electric Vehicles (EVs) Insurance: Add-Ons &amp; Latest Coverage<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Car insurance claims are rising sharply in Malaysia in 2025. Understand the main reasons premiums are increasing and how to avoid paying too much when renewing your policy.<\/p>\n","protected":false},"author":31,"featured_media":55908,"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":[429,2722],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Insurance Claims Increase &amp; High Premium Risks | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Car Insurance Claims Increase &amp; High Premium Risks Discover the causes of high premiums &amp; easy way to save\" \/>\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\/car-insurance-claims-increase-high-premium-risks\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Insurance Claims Increase &amp; High Premium Risks | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Car Insurance Claims Increase &amp; High Premium Risks Discover the causes of high premiums &amp; easy way to save\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-claims-increase-high-premium-risks\" \/>\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=\"2025-11-13T15:35:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-13T15:36:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-80.jpg\" \/>\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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