{"id":59310,"date":"2026-03-10T21:34:22","date_gmt":"2026-03-10T13:34:22","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59310"},"modified":"2026-03-10T21:34:24","modified_gmt":"2026-03-10T13:34:24","slug":"differences-between-excess-deductibles-in-car-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/differences-between-excess-deductibles-in-car-insurance","title":{"rendered":"Differences Between 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-69e943df5f4ae\" 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-69e943df5f4ae\"><\/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\/differences-between-excess-deductibles-in-car-insurance\/#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\/differences-between-excess-deductibles-in-car-insurance\/#What_Is_Excess_in_Car_Insurance\" title=\"What Is Excess in Car Insurance?\">What Is Excess in Car Insurance?<\/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\/differences-between-excess-deductibles-in-car-insurance\/#What_Is_Deductible\" title=\"What Is Deductible?\">What Is Deductible?<\/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\/differences-between-excess-deductibles-in-car-insurance\/#Key_Differences_Between_Excess_and_Deductible\" title=\"Key Differences Between Excess and Deductible\">Key Differences Between Excess and Deductible<\/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\/differences-between-excess-deductibles-in-car-insurance\/#Example_Claim_Scenario\" title=\"Example Claim Scenario\">Example Claim Scenario<\/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\/differences-between-excess-deductibles-in-car-insurance\/#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-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/differences-between-excess-deductibles-in-car-insurance\/#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>When reviewing your car insurance policy, you may encounter terms like excess and deductibles, and wonder what they mean. These terms describe the amount you must pay before your insurer covers the remaining repair costs after a claim. Understanding the differences between excess and deductibles helps drivers avoid confusion, plan their finances, and know exactly how much they are responsible for when making a claim.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Excess_in_Car_Insurance\"><\/span><strong>What Is Excess in Car Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In Malaysian motor insurance policies, <strong>excess<\/strong> refers to the amount the policyholder must pay first before the insurer covers the rest of the claim.<\/p>\n\n\n\n<p>For example, if your policy states an excess of RM400 and the repair cost is RM3,000, you would pay RM400 while the insurer covers the remaining RM2,600.<\/p>\n\n\n\n<p>Excess usually applies in specific situations, such as:<\/p>\n\n\n\n<ul><li>Claims involving unnamed drivers<br><\/li><li>Drivers below a certain age<br><\/li><li>Drivers with less driving experience<br><\/li><li>Other conditions specified in the policy<br><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-attachment-id=\"59322\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/differences-between-excess-deductibles-in-car-insurance\/attachment\/6-3-5\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-3.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=\"6-3\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-3.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-3.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-3.jpg?resize=819%2C517&#038;ssl=1\" alt=\"&quot;A woman wearing black glasses looks upward against a bright yellow background. Above her head is a large thought bubble divided into four quadrants, each with a blue-toned illustration: 'Unnamed Drivers' (car with a question mark), 'Young Drivers' (driver with an 'under 25' shield), 'Inexperienced Drivers' (driver with a learner 'L' sign), and 'Other Policy Conditions' (insurance document with a warning icon).&quot;\" class=\"wp-image-59322\" width=\"819\" height=\"517\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-3.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-3.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-3.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-3.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-3.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 819px) 100vw, 819px\" data-recalc-dims=\"1\" \/><figcaption>This requirement helps insurers manage risk and encourage responsible driving.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Deductible\"><\/span><strong>What Is Deductible?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The term deductible is commonly used in insurance to describe the portion of a claim that the policyholder must pay before the insurer pays the remaining amount.<\/p>\n\n\n\n<p>In many cases, deductible and excess are used interchangeably because both refer to the policyholder\u2019s share of the claim cost.<\/p>\n\n\n\n<p>However, in Malaysian motor insurance, the term excess is more commonly used in policy wording.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Key_Differences_Between_Excess_and_Deductible\"><\/span><strong>Key Differences Between Excess and Deductible<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>While the terms may sound different, their function is very similar.<\/p>\n\n\n\n<p>The main differences usually come down to terminology and how insurers describe the payment structure.<\/p>\n\n\n\n<p>Excess in Malaysian motor policies often refers to specific conditions stated in the policy, while deductible is a broader insurance term used internationally.<\/p>\n\n\n\n<p>In practice, both refer to the amount you must pay before the insurer settles the rest of the claim.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Example_Claim_Scenario\"><\/span><strong>Example Claim Scenario<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Consider a situation where a driver submits a claim after an accident.<\/p>\n\n\n\n<ul><li>Total repair cost: RM4,000<br><\/li><li>Policy excess: RM400<br><\/li><\/ul>\n\n\n\n<p>In this case, the policyholder would pay RM400, while the insurer covers RM3,600.<\/p>\n\n\n\n<p>Understanding the difference between excess and deductible helps drivers know exactly how much they may need to pay when making a claim.<\/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<p><strong>1. What is excess in car insurance?<\/strong><strong><br><\/strong> Excess is the amount a policyholder must pay before the insurer covers the remaining repair cost after a claim.<\/p>\n\n\n\n<p><strong>2. Is excess the same as deductible?<\/strong><strong><br><\/strong> They generally refer to the same concept, although Malaysian motor insurance policies usually use the term excess.<\/p>\n\n\n\n<p><strong>3. When do I need to pay excess?<\/strong><strong><br><\/strong> Excess may apply in situations such as claims involving unnamed drivers, young drivers, or other conditions stated in the policy.<\/p>\n\n\n\n<p><strong>4. Do all claims require excess payment?<\/strong><strong><br><\/strong> Not always. It depends on the policy terms and the circumstances of the claim.<\/p>\n\n\n\n<p><strong>5. Why do insurers include excess in policies?<\/strong><strong><br><\/strong> Excess helps insurers manage risk and encourages policyholders to drive responsibly.<\/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 the differences between excess and deductibles in car insurance&nbsp; is useful for any vehicle owner reviewing their motor insurance policy. While the terms are often used interchangeably, Malaysian motor insurance policies usually refer to excess when describing the portion a policyholder must pay during a claim. Knowing how this works helps drivers better prepare for potential claim costs and avoid confusion when dealing with insurance claims.<\/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=differences-between-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\/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\/car-insurance\/car-insurance-premium-keeps-changing-why\">Car Insurance Premium Keeps Changing \u2013 Why?<\/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 the difference between excess and deductible in car insurance and how it affects your claim costs in Malaysia.<\/p>\n","protected":false},"author":31,"featured_media":59321,"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":[429,3488,59,2429],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Differences Between Excess &amp; 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