{"id":56731,"date":"2025-11-22T20:38:33","date_gmt":"2025-11-22T12:38:33","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56731"},"modified":"2025-11-22T20:38:37","modified_gmt":"2025-11-22T12:38:37","slug":"agreed-value-slightly-more-expensive-but-can-save-thousands","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/agreed-value-slightly-more-expensive-but-can-save-thousands","title":{"rendered":"Agreed Value Slightly More Expensive but Can Save Thousands"},"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-6a0ce25de588c\" 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-6a0ce25de588c\"><\/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\/agreed-value-slightly-more-expensive-but-can-save-thousands\/#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\/agreed-value-slightly-more-expensive-but-can-save-thousands\/#1_What_is_Agreed_Value\" title=\"1. What is Agreed Value \">1. What is Agreed Value <\/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\/agreed-value-slightly-more-expensive-but-can-save-thousands\/#3_When_Choosing_Agreed_Is_Worth_It\" title=\"3. When Choosing Agreed Is Worth It?\">3. When Choosing Agreed Is Worth It?<\/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\/agreed-value-slightly-more-expensive-but-can-save-thousands\/#4_Tips_for_Choosing_Agreed_Value_Slightly_More_Expensive\" title=\"4. Tips for Choosing Agreed Value Slightly More Expensive\">4. Tips for Choosing Agreed Value Slightly More Expensive<\/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\/agreed-value-slightly-more-expensive-but-can-save-thousands\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Choosing car insurance isn\u2019t just about comparing prices. While <strong>Agreed Value Slightly More Expensive<\/strong>, it guarantees the agreed value of your car in the event of a total loss. The slightly higher premium is worth it because it protects drivers from losing thousands compared to market value, which can depreciate quickly. This article explains why <strong>Agreed Value Slightly<\/strong> is worth it and when to choose it.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_What_is_Agreed_Value\"><\/span>1. What is Agreed Value <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Agreed Value sets your car\u2019s value upfront when you purchase the policy, even with a higher premium. The insurer pays the agreed amount in full if the car is declared a total loss, without deducting depreciation.<\/p>\n\n\n\n<p><strong>Advantages:<\/strong><\/p>\n\n\n\n<ul><li>Protects the car\u2019s actual value<br><\/li><li>Avoids additional costs after a total loss<br><\/li><li>Ideal for new or premium cars<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><strong>Difference:<\/strong><\/p>\n\n\n\n<ul><li><strong>Market Value:<\/strong> Payment based on current market price, minus depreciation<br><\/li><li><strong>Agreed Value Slightly More Expensive:<\/strong> Payment based on agreed value when policy was purchased<br><\/li><\/ul>\n\n\n\n<p>Agreed Value charges a slightly higher premium but guarantees full payout if your car suffers major damage or a total loss.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_When_Choosing_Agreed_Is_Worth_It\"><\/span>3. When Choosing Agreed Is Worth It?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You should opt for <strong>Agreed Value <\/strong>if:<\/p>\n\n\n\n<ul><li>The car is new or 1\u20135 years old<br><\/li><li>The car has a high value and depreciates quickly<br><\/li><li>You want to protect your investment from major loss<br><\/li><\/ul>\n\n\n\n<p>For older or low-value cars, market value coverage may suffice.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Tips_for_Choosing_Agreed_Value_Slightly_More_Expensive\"><\/span>4. Tips for Choosing Agreed Value Slightly More Expensive<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Check your car\u2019s value when buying the policy<br><\/li><li>Choose coverage according to the car\u2019s age and type<br><\/li><li>Compare premiums and benefits between <strong>Agreed Value <\/strong> and market value<br><\/li><li>Consult BJAK or your insurer for guidance<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=\"56793\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/agreed-value-slightly-more-expensive-but-can-save-thousands\/attachment\/4-161-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-161.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=\"4-161\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-161.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-161.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\/4-161.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing the differences between Agreed Value Slightly More Expensive and Market Value, impact on total loss payout, and when this option is worthwhile\" class=\"wp-image-56793\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-161.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-161.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-161.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-161.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-161.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>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Choose Agreed Value, even if Agreed Value Slightly More Expensive, to save thousands if your car is declared a total loss. Understanding the difference with market value helps Malaysian drivers make smart policy decisions. Pick Agreed Value to protect your car investment and prevent long-term losses. Understanding the difference with market value helps Malaysian drivers make smart choices when selecting a policy. Choose <strong>Agreed Value<\/strong> to protect your car investment and avoid long-term losses.<\/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=agreed-value-slightly-more-expensive-but-can-save-thousands\" 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\/flood-add-on-protection-prepare-before-rainy-season\">Flood Add-On Protection \u2014 Prepare Before Rainy Season<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/compact-mpv-choice-for-daily-long-distance-travel\">Compact &amp; MPV \u2014 Choice for Daily &amp; Long-Distance Travel<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-can-be-saved-info-you-might-have-missed\"><\/a><a href=\"https:\/\/bjak.my\/blog\/info\/vehicle-cc-that-fits-your-city-rural-driving\">Vehicle CC That Fits Your City &amp; Rural Driving<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many drivers are unsure whether to choose Agreed Value Slightly More Expensive or market value for their car. This article explains why paying a bit more can save thousands if your car is damaged or declared a total loss.<\/p>\n","protected":false},"author":31,"featured_media":56792,"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":[2959,429],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Agreed Value Slightly More Expensive but Can Save Thousands | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Agreed Value Slightly More Expensive but Can Save Thousands\" \/>\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\/agreed-value-slightly-more-expensive-but-can-save-thousands\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Agreed Value Slightly More Expensive but Can Save Thousands | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Agreed Value Slightly More Expensive but Can Save Thousands\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/agreed-value-slightly-more-expensive-but-can-save-thousands\" \/>\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=\"2025-11-22T12:38:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-22T12:38:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-158.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=\"BJAK Content Team\" \/>\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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