{"id":59306,"date":"2026-03-10T21:33:06","date_gmt":"2026-03-10T13:33:06","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59306"},"modified":"2026-03-10T21:33:11","modified_gmt":"2026-03-10T13:33:11","slug":"car-insurance-premium-keeps-changing-why","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-keeps-changing-why","title":{"rendered":"Car Insurance Premium Keeps Changing \u2013 Why?"},"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-69e943ea7be1d\" 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-69e943ea7be1d\"><\/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-premium-keeps-changing-why\/#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\/car-insurance-premium-keeps-changing-why\/#Why_Car_Insurance_Premium_Changes_Every_Year\" title=\"Why Car Insurance Premium Changes Every Year\">Why Car Insurance Premium Changes Every Year<\/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\/car-insurance-premium-keeps-changing-why\/#Sum_Insured_Adjustments\" title=\"Sum Insured Adjustments\">Sum Insured Adjustments<\/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\/car-insurance-premium-keeps-changing-why\/#No_Claim_Discount_NCD\" title=\"No Claim Discount (NCD)\">No Claim Discount (NCD)<\/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\/car-insurance-premium-keeps-changing-why\/#Claims_History\" title=\"Claims History\">Claims History<\/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\/car-insurance-premium-keeps-changing-why\/#Add-Ons_and_Coverage_Choices\" title=\"Add-Ons and Coverage Choices\">Add-Ons and Coverage Choices<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-keeps-changing-why\/#Different_Insurer_Pricing_Models\" title=\"Different Insurer Pricing Models\">Different Insurer Pricing Models<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-keeps-changing-why\/#FAQ\" title=\"FAQ\">FAQ<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-keeps-changing-why\/#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>Many vehicle owners in Malaysia are surprised when their renewal price is different every year. One year the cost looks reasonable, and the next year it suddenly increases or drops. These car insurance premium keep changing which often confuses drivers who assume insurance prices stay the same. In reality, premiums are calculated based on several factors, and even small changes in your vehicle details or policy can affect the final price.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Why_Car_Insurance_Premium_Changes_Every_Year\"><\/span><strong>Why Car Insurance Premium Changes Every Year<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Car insurance premiums are not fixed. Insurers calculate premiums based on risk, vehicle value, and policy details at the time of renewal.<\/p>\n\n\n\n<p>Several factors can cause car insurance premium changes, even if you did not modify your coverage.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Sum_Insured_Adjustments\"><\/span><strong>Sum Insured Adjustments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>One of the most common reasons for premium changes is the sum insured.<\/p>\n\n\n\n<p>The sum insured represents the estimated market value of your car. Since vehicles depreciate over time, insurers may adjust this value during renewal.<\/p>\n\n\n\n<p>If the sum insured decreases due to depreciation, your premium may also decrease. However, if you manually increase the insured value, the premium will likely increase as well.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"No_Claim_Discount_NCD\"><\/span><strong>No Claim Discount (NCD)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your <strong>No Claim Discount (NCD)<\/strong> plays an important role in determining your premium.<\/p>\n\n\n\n<p>Drivers who do not make claims during the policy period receive higher NCD levels, which reduce the cost of insurance. On the other hand, if a claim is made, the NCD may drop or reset depending on the situation.<\/p>\n\n\n\n<p>This is why car insurance premium keep changing often happen after an accident or claim.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Claims_History\"><\/span><strong>Claims History<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurance companies also consider your claims history when calculating premiums.<\/p>\n\n\n\n<p>Drivers with frequent claims may be viewed as higher risk. As a result, the insurer may adjust the premium accordingly at renewal.<\/p>\n\n\n\n<p>Even a single claim during the policy period can affect the final renewal price.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Add-Ons_and_Coverage_Choices\"><\/span><strong>Add-Ons and Coverage Choices<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Optional coverage can also affect your premium.<\/p>\n\n\n\n<p>Examples include:<\/p>\n\n\n\n<ul><li>Windscreen coverage<br><\/li><li>Special perils protection<br><\/li><li>Additional named drivers<br><\/li><li>Other policy add-ons<br><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59319\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-keeps-changing-why\/attachment\/4-3-6\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-3.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=\"4-3\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-3.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-3.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-3.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"&quot;A man in a car thinking about car insurance add-ons, shown via a thought bubble containing icons for windscreen coverage, special perils protection, additional drivers, and extra policy add-ons.&quot;\" class=\"wp-image-59319\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-3.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-3.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-3.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-3.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-3.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><figcaption>Adding or removing these options can cause car insurance premium changes during renewal.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Different_Insurer_Pricing_Models\"><\/span><strong>Different Insurer Pricing Models<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Another reason premiums change is because each insurer calculates risk differently.<\/p>\n\n\n\n<p>Two insurers may offer different premiums for the same vehicle because they use different pricing models, underwriting criteria, and risk assessments.<\/p>\n\n\n\n<p>This is why comparing quotes before renewing your policy can help drivers find a better option.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ\"><\/span><strong>FAQ<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Why did my car insurance premium increase this year?<\/strong><\/li><\/ol>\n\n\n\n<p>Your premium may increase due to lower NCD, claims history, higher insured value, or changes in coverage.<\/p>\n\n\n\n<ol start=\"2\"><li><strong>Can my premium decrease during renewal?<\/strong><\/li><\/ol>\n\n\n\n<p>Yes. If your car value decreases or your NCD increases, your premium may be lower.<\/p>\n\n\n\n<ol start=\"3\"><li><strong>Does making a claim affect my premium?<\/strong><\/li><\/ol>\n\n\n\n<p>Yes. Claims may reduce your NCD, which can increase your premium during the next renewal.<\/p>\n\n\n\n<ol start=\"4\"><li><strong>Do different insurers offer different premiums?<\/strong><\/li><\/ol>\n\n\n\n<p>Yes. Insurers use different pricing models, which is why quotes may vary.<\/p>\n\n\n\n<ol start=\"5\"><li><strong>Does adding coverage increase insurance cost?<\/strong><\/li><\/ol>\n\n\n\n<p>Yes. Optional add-ons or higher coverage limits usually increase the premium.<\/p>\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>Understanding why car insurance premium changes occur helps drivers make better decisions during renewal. Factors such as NCD, claims history, vehicle value, and coverage options can all influence the final premium. By reviewing your policy details and comparing quotes before renewal, you can ensure you are getting the most suitable coverage for your vehicle.<\/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-premium-keeps-changing--why\" 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\/senarai-harga-roadtax-kereta-bagi-tahun-2026\">Senarai Harga Roadtax Kereta Bagi Tahun 2026<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-coverage-that-covers-theft\">Motorcycle insurance coverage that covers Theft<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-basics-in-2026\">Motorcycle Insurance Basics in 2026<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Learn why car insurance premiums change every year in Malaysia and what factors affect the renewal price.<\/p>\n","protected":false},"author":31,"featured_media":59318,"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":[429,59,172],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Insurance Premium Keeps Changing \u2013 Why? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Car Insurance Premium Keeps Changing \u2013 Why?\" \/>\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-premium-keeps-changing-why\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Insurance Premium Keeps Changing \u2013 Why? | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Car Insurance Premium Keeps Changing \u2013 Why?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-keeps-changing-why\" \/>\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=\"2026-03-10T13:33:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-10T13:33:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/3-4.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=\"3 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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