{"id":58944,"date":"2025-12-24T23:24:07","date_gmt":"2025-12-24T15:24:07","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=58944"},"modified":"2025-12-24T23:24:11","modified_gmt":"2025-12-24T15:24:11","slug":"voluntary-excess-in-car-insurance-how-it-reduces-premiums","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/voluntary-excess-in-car-insurance-how-it-reduces-premiums","title":{"rendered":"Voluntary Excess in Car Insurance \u2013 How It Reduces Premiums"},"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-69d79af671193\" 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-69d79af671193\"><\/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\/voluntary-excess-in-car-insurance-how-it-reduces-premiums\/#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\/voluntary-excess-in-car-insurance-how-it-reduces-premiums\/#How_Voluntary_Excess_Works\" title=\"How Voluntary Excess Works\">How Voluntary Excess Works<\/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\/voluntary-excess-in-car-insurance-how-it-reduces-premiums\/#Tips_for_Drivers\" title=\"Tips for Drivers\">Tips for Drivers<\/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\/voluntary-excess-in-car-insurance-how-it-reduces-premiums\/#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>Voluntary excess in car insurance is an amount you <strong>agree to pay out-of-pocket<\/strong> when making a claim. In Malaysia, it\u2019s an option that allows drivers to <strong>reduce their car insurance premiums<\/strong> while sharing some of the risk.<\/p>\n\n\n\n<ul><li><strong>Higher voluntary excess<\/strong> \u2192 lower premium<br><\/li><li><strong>Lower voluntary excess<\/strong> \u2192 higher premium<br><\/li><\/ul>\n\n\n\n<p>Choosing the right level depends on your <strong>risk tolerance, driving habits, and financial situation<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_Voluntary_Excess_Works\"><\/span><strong>How Voluntary Excess Works<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\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>Description<\/strong><\/td><td><strong>Example<\/strong><\/td><td><strong>Note<\/strong><\/td><\/tr><tr><td><strong>Premium Reduction<\/strong><\/td><td>Opting for a higher excess lowers the insurance cost<\/td><td>RM1,500 excess may save 10\u201315% of premium<\/td><td>Savings depend on insurer<\/td><\/tr><tr><td><strong>Claim Responsibility<\/strong><\/td><td>You pay the agreed excess first when making a claim<\/td><td>Accident repair cost RM3,000, excess RM1,500 \u2192 insurer covers RM1,500<\/td><td>Must be able to pay excess<\/td><\/tr><tr><td><strong>Risk vs Reward<\/strong><\/td><td>Balance between saving premium and paying more during a claim<\/td><td>Low-risk drivers may choose higher excess<\/td><td>High-frequency claim drivers may choose lower excess<\/td><\/tr><tr><td><strong>Flexibility<\/strong><\/td><td>Voluntary excess can be adjusted at renewal<\/td><td>Change excess each year<\/td><td>Ensure insurer approval<\/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=\"59028\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/voluntary-excess-in-car-insurance-how-it-reduces-premiums\/attachment\/4-166-3\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-166.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" 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=\"4-166\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-166.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-166.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\/12\/4-166.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Voluntary Excess in Car Insurance \u2013 How It Reduces Premiums\" class=\"wp-image-59028\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-166.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-166.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-166.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-166.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-166.jpg?w=1708&amp;ssl=1 1708w\" 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=\"Tips_for_Drivers\"><\/span><strong>Tips for Drivers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li>Choose a <strong>voluntary excess level you can afford<\/strong> during a claim.<br><\/li><li>Higher voluntary excess may save money if you rarely make claims.<br><\/li><li>Review excess options at <strong>policy renewal<\/strong>.<br><\/li><li>Always check insurer rules; some restrict maximum voluntary excess.<br><\/li><\/ol>\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>Voluntary excess in car insurance is a useful tool for <strong>lowering premiums<\/strong> while sharing some financial responsibility. Drivers in Malaysia can <strong>balance savings and risk<\/strong> by selecting the right voluntary excess level for their driving habits and claim history.<\/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=voluntary-excess-in-car-insurance--how-it-reduces-premiums\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/personal-accident-insurance-whats-covered\">Personal Accident Insurance \u2013 What\u2019s Covered?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/policy-cannot-be-issued-immediately\">Policy Cannot Be Issued Immediately<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/info\/flat-tire-without-a-spare-whats-the-safest-option\">Flat Tire Without a Spare \u2013 What\u2019s the Safest Option<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Voluntary excess is a tool in car insurance that can lower your premium. Learn how it works, its benefits, and the trade-offs you should consider before choosing it.<\/p>\n","protected":false},"author":31,"featured_media":59006,"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":[429,3407],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Voluntary Excess in Car Insurance \u2013 How It Reduces Premiums | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Voluntary Excess in Car Insurance \u2013 How It Reduces Premiums To Easily Purchase Insurance Coverage.\" \/>\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\/voluntary-excess-in-car-insurance-how-it-reduces-premiums\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Voluntary Excess in Car Insurance \u2013 How It Reduces Premiums | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Voluntary Excess in Car Insurance \u2013 How It Reduces Premiums To Easily Purchase Insurance Coverage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/voluntary-excess-in-car-insurance-how-it-reduces-premiums\" \/>\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=\"2025-12-24T15:24:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-24T15:24:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/Voluntary-Excess-in-Car-Insurance-\u2013-How-It-Reduces-Premiums.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1708\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\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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