{"id":56486,"date":"2025-11-21T01:36:03","date_gmt":"2025-11-20T17:36:03","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56486"},"modified":"2025-11-21T01:36:06","modified_gmt":"2025-11-20T17:36:06","slug":"saving-on-insurance-premiums-know-the-risks-first","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/saving-on-insurance-premiums-know-the-risks-first","title":{"rendered":"Saving on Insurance Premiums? Know the Risks First"},"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-69d76b2d7f779\" 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-69d76b2d7f779\"><\/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\/saving-on-insurance-premiums-know-the-risks-first\/#Introduction\" title=\"Introduction\">Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/saving-on-insurance-premiums-know-the-risks-first\/#1_Being_Underinsured_Can_Be_Costly\" title=\"1. Being Underinsured Can Be Costly\">1. Being Underinsured Can Be Costly<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/saving-on-insurance-premiums-know-the-risks-first\/#2_Essential_Add-ons_Can_Be_Excluded\" title=\"2. Essential Add-ons Can Be Excluded\">2. Essential Add-ons Can Be Excluded<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/saving-on-insurance-premiums-know-the-risks-first\/#3_Workshop_Panel_Repair_Quality\" title=\"3. Workshop &amp; Panel Repair Quality\">3. Workshop &amp; Panel Repair Quality<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/saving-on-insurance-premiums-know-the-risks-first\/#4_Claims_Can_Compromise_NCD_Protection\" title=\"4. Claims Can Compromise NCD Protection\">4. Claims Can Compromise NCD Protection<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/saving-on-insurance-premiums-know-the-risks-first\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/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>Saving on Insurance Premiums is tempting, but low cost doesn\u2019t always mean better value. Many Malaysian drivers overlook that lower premiums may result in being underinsured, which can be costly if damage or accidents occur. This article explains the main risks and offers smart ways to choose a policy that keeps you properly covered.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Being_Underinsured_Can_Be_Costly\"><\/span><strong>1. Being Underinsured Can Be Costly<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Low premiums \u2192 may mean coverage limits are lower than your car\u2019s actual value.<\/p>\n\n\n\n<ul><li>If an accident occurs \u2192 you may need to cover the excess costs yourself.<br><\/li><\/ul>\n\n\n\n<p><strong>BJAK Tip:<\/strong> Check your car\u2019s market value and choose coverage limits that match it.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Essential_Add-ons_Can_Be_Excluded\"><\/span><strong>2. Essential Add-ons C<\/strong>an<strong> Be Excluded<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sometimes, to reduce premiums, drivers skip add-ons like Key Care, VIP Rescue, or Warranty.<\/p>\n\n\n\n<ul><li>As a result, your small claims or emergency assistance may not be covered.<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Workshop_Panel_Repair_Quality\"><\/span><strong>3. Workshop &amp; Panel Repair Quality<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Low premiums \u2192 may limit the choice of repair workshops or use ones not recognized by BJAK.<\/p>\n\n\n\n<ul><li>Choosing a non-recognized workshop could affect both your NCD and repair quality.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Claims_Can_Compromise_NCD_Protection\"><\/span><strong>4. C<\/strong>laims Can Compromise NCD Protection<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Some cheaper policies remove your NCD if you make a claim.<\/p>\n\n\n\n<ul><li>Drivers need to understand how to file claims without affecting their discount.<br><\/li><\/ul>\n\n\n\n<p><strong>BJAK Tip:<\/strong> Check your policy and claim conditions to protect NCD, even for minor claims.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"56548\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/saving-on-insurance-premiums-know-the-risks-first\/attachment\/4-141-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-141.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=\"4-141\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-141.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-141.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\/11\/4-141.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing four hidden risks when trying to save on insurance premiums: being underinsured, missing essential add-ons, limited workshop options, and unprotected NCD.\" class=\"wp-image-56548\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-141.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-141.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-141.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-141.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-141.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<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Saving on Insurance Premiums is not always wise if you don\u2019t understand the risks. Being underinsured, missing essential add-ons, limited workshop options, and unprotected NCD can result in significant losses. Follow BJAK\u2019s guide to choose a policy that fits your car and coverage needs, keeping long-term costs manageable and your NCD safe.<\/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=saving-on-insurance-premiums-know-the-risks-first\" 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\/key-care-cover-for-expensive-key-replacement\">Key Care Cover for Expensive Key Replacement<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/warranty-for-1015-year-old-cars-still-available\">Warranty for 10\u201315 Year-Old Cars Still Available<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/fire-theft-common-misunderstandings-when-making-a-claim\">Fire &amp; Theft: Common Misunderstandings When Making a Claim<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Many drivers get excited when they see low insurance premiums. This article explains the hidden risks so you don\u2019t end up underinsured and facing losses during claims.<\/p>\n","protected":false},"author":31,"featured_media":56547,"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":[429,92],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Saving on Insurance Premiums? Know the Risks First | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Saving on Insurance Premiums? 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