{"id":56106,"date":"2025-11-15T19:12:14","date_gmt":"2025-11-15T11:12:14","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56106"},"modified":"2025-11-15T19:12:16","modified_gmt":"2025-11-15T11:12:16","slug":"understanding-excess-deductibles-in-car-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/understanding-excess-deductibles-in-car-insurance","title":{"rendered":"Understanding Excess &#038; Deductibles 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-69d7623083c2a\" 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-69d7623083c2a\"><\/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\/understanding-excess-deductibles-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\/understanding-excess-deductibles-in-car-insurance\/#1_What_Is_Excess\" title=\"1. What Is Excess\">1. What Is 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\/understanding-excess-deductibles-in-car-insurance\/#2_What_Is_Deductibles\" title=\"2. What Is Deductibles\">2. What Is Deductibles<\/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\/understanding-excess-deductibles-in-car-insurance\/#3_Differences_Between_Excess_and_Deductibles\" title=\"3. Differences Between Excess and Deductibles\">3. Differences Between Excess and Deductibles<\/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\/understanding-excess-deductibles-in-car-insurance\/#4_Smart_Tips_for_Drivers\" title=\"4. Smart Tips for Drivers\">4. Smart Tips for Drivers<\/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\/understanding-excess-deductibles-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>Excess and deductibles are common terms in car insurance, but many drivers are unclear about their meanings and impact on claim costs. Understanding these concepts is crucial to avoid unexpected payments when filing a claim. This article explains <strong>how understanding excess &amp; deductibles, their differences, and tips to reduce costs during claims<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_What_Is_Excess\"><\/span><strong>1. What Is Excess<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Excess is a fixed amount you pay when making a claim.<br><\/li><li>Example: If excess is RM300 and damage costs RM1,500, you pay RM300 and the insurer pays RM1,200.<br><\/li><li>Excess can be <strong>standard or voluntary<\/strong>:<br><ul><li><strong>Standard:<\/strong> set by the insurer.<br><\/li><li><strong>Voluntary:<\/strong> you choose a higher amount to reduce your premium.<br><\/li><\/ul><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_What_Is_Deductibles\"><\/span><strong>2. What Is Deductibles<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Deductibles are the maximum amount the policyholder pays before the insurer covers the rest.<br><\/li><li>Usually applied for certain claims or add-ons and sometimes based on the type of damage.<br><\/li><li>Deductibles may vary between insurance companies.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Differences_Between_Excess_and_Deductibles\"><\/span><strong>3. Differences Between Excess and Deductibles<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-vivid-cyan-blue-to-vivid-purple-gradient-background has-background\"><tbody><tr><td><strong>Factor<\/strong><\/td><td><strong>Excess<\/strong><\/td><td><strong>Deductibles<\/strong><\/td><\/tr><tr><td>Policyholder Payment<\/td><td>Fixed, standard\/voluntary options<\/td><td>Maximum before insurer pays<\/td><\/tr><tr><td>Premium Effect<\/td><td>Voluntary option can lower premium<\/td><td>Depends on type of claim\/add-on<\/td><\/tr><tr><td>Example<\/td><td>RM300 for damage<\/td><td>Deductible RM500 for glass\/battery<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Smart_Tips_for_Drivers\"><\/span><strong>4. Smart Tips for Drivers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Choose a voluntary excess that fits your budget.<br><\/li><li>Check your BJAK policy for deductibles on add-ons like glass cover or key care.<br><\/li><li>Understand the excess amount for each claim to avoid surprises.<br><\/li><li>Use panel workshops to avoid unexpected additional charges.<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=\"56168\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-excess-deductibles-in-car-insurance\/attachment\/4-108-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-108.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=\"4-108\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-108.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-108.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-108.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing the differences between excess and deductibles, including payment examples, voluntary options, and impact on premium and claims.\n\" class=\"wp-image-56168\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-108.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-108.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-108.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-108.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-108.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>Understanding <strong>excess and deductibles<\/strong> helps BJAK drivers make smart decisions when purchasing insurance and filing claims. By knowing the differences and payment amounts, you can avoid extra costs and enjoy car insurance protection more efficiently.<\/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=understanding-excess--deductibles-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\/car-insurance\/worthwhile-car-insurance-add-ons-for-drivers\">Worthwhile Car Insurance Add-Ons for Drivers<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/transfer-ncd-between-different-insurance-companies\">Transfer NCD Between Different Insurance Companies<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/most-common-car-insurance-scams-in-malaysia\">Most Common Car Insurance Scams in Malaysia<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Excess and deductibles often confuse drivers. This guide explains the differences, how they are calculated, and smart tips to avoid extra costs during claims.<\/p>\n","protected":false},"author":31,"featured_media":56167,"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":[429,3129,2429],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding Excess &amp; Deductibles in Car Insurance | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Understanding Excess &amp; Deductibles in Car Insurance To Avoid Extra Costs &amp; Understand Claim Payments!\" \/>\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\/understanding-excess-deductibles-in-car-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding Excess &amp; Deductibles in Car Insurance | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Understanding Excess &amp; Deductibles in Car Insurance To Avoid Extra Costs &amp; Understand Claim Payments!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-excess-deductibles-in-car-insurance\" \/>\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=\"2025-11-15T11:12:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-15T11:12:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-105.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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