{"id":59752,"date":"2026-04-29T12:29:00","date_gmt":"2026-04-29T04:29:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59752"},"modified":"2026-04-28T19:00:07","modified_gmt":"2026-04-28T11:00:07","slug":"car-insurance-add-ons-you-will-never-use-an-honest-look","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-add-ons-you-will-never-use-an-honest-look","title":{"rendered":"Car Insurance Add-Ons You Will Never Use \u2014 An Honest Look"},"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-69f89ba38941f\" 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-69f89ba38941f\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-add-ons-you-will-never-use-an-honest-look\/#Introduction\" title=\"Introduction\">Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-add-ons-you-will-never-use-an-honest-look\/#Add-Ons_That_Usually_Earn_Their_Keep\" title=\"Add-Ons That Usually Earn Their Keep\">Add-Ons That Usually Earn Their Keep<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-add-ons-you-will-never-use-an-honest-look\/#Add-Ons_That_Depend_on_Your_Situation\" title=\"Add-Ons That Depend on Your Situation\">Add-Ons That Depend on Your Situation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-add-ons-you-will-never-use-an-honest-look\/#Add-Ons_That_Rarely_Pay_Off\" title=\"Add-Ons That Rarely Pay Off\">Add-Ons That Rarely Pay Off<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-add-ons-you-will-never-use-an-honest-look\/#How_It_Affects_Your_Premium\" title=\"How It Affects Your Premium\">How It Affects Your Premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-add-ons-you-will-never-use-an-honest-look\/#How_to_Decide_What_to_Keep\" title=\"How to Decide What to Keep\">How to Decide What to Keep<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-add-ons-you-will-never-use-an-honest-look\/#FAQ\" title=\"FAQ\">FAQ<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-add-ons-you-will-never-use-an-honest-look\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When you renew your policy, it is easy to feel overwhelmed by the long list of options. Windscreen coverage, special perils, towing, personal accident, legal liability \u2014 each one adds a small amount, but together they increase your premium.The real question behind <strong>car insurance add-ons you will never use<\/strong> is simple: which ones actually protect you, and which ones are just there because they sound useful?<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Add-Ons_That_Usually_Earn_Their_Keep\"><\/span><strong>Add-Ons That Usually Earn Their Keep<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>These are the ones that tend to justify their cost in real situations:<\/p>\n\n\n\n<ul><li><strong>Windscreen coverage<\/strong><strong><br><\/strong> Cracked windscreens are one of the most common incidents. Replacement can cost RM300 to RM2,000 or more depending on the car. The add-on typically costs RM50 to RM100 per year and usually does not affect your NCD when claimed.<\/li><li><strong>Special perils (flood)<\/strong><strong><br><\/strong> Especially relevant in Malaysia. At RM50 to RM200 per year, it covers flood damage that standard policies exclude. One flood event can result in total loss.<\/li><li><strong>Personal accident for driver<\/strong><strong><br><\/strong> Covers medical expenses and disability if you are injured. Particularly useful if you do not already have strong medical coverage.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59772\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-car-insurance-is-flood-cover-worth-it\/attachment\/car-insurance-add-ons-you-will-never-use-an-honest-look-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Car-Insurance-Add-Ons-You-Will-Never-Use-\u2014-An-Honest-Look-2.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=\"Car Insurance Add-Ons You Will Never Use \u2014 An Honest Look (2)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Car-Insurance-Add-Ons-You-Will-Never-Use-\u2014-An-Honest-Look-2.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Car-Insurance-Add-Ons-You-Will-Never-Use-\u2014-An-Honest-Look-2.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Car-Insurance-Add-Ons-You-Will-Never-Use-\u2014-An-Honest-Look-2.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"\nThis informative graphic, titled &quot;Understanding Malaysian Car Insurance Optional Covers,&quot; highlights three key add-ons for vehicle policies using a clean, three-column layout with vibrant blue, teal, and orange accents. The first section explains NCD Relief, which preserves a driver's No Claim Discount (up to 55%) even after an accident; the second focuses on Special Perils, emphasizing that for a small annual fee of RM50 to RM200, drivers can get essential coverage for flood damage; and the final section covers Personal Accident for Driver, which provides medical and disability benefits, noting its importance for those without separate medical insurance. Each category is supported by illustrative icons, such as a car in rising floodwaters and a driver receiving medical monitoring, to visualize the practical benefits of these protections.\" class=\"wp-image-59772\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Car-Insurance-Add-Ons-You-Will-Never-Use-\u2014-An-Honest-Look-2.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Car-Insurance-Add-Ons-You-Will-Never-Use-\u2014-An-Honest-Look-2.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Car-Insurance-Add-Ons-You-Will-Never-Use-\u2014-An-Honest-Look-2.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Car-Insurance-Add-Ons-You-Will-Never-Use-\u2014-An-Honest-Look-2.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Car-Insurance-Add-Ons-You-Will-Never-Use-\u2014-An-Honest-Look-2.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<h3><span class=\"ez-toc-section\" id=\"Add-Ons_That_Depend_on_Your_Situation\"><\/span><strong>Add-Ons That Depend on Your Situation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>These are not unnecessary, but they depend on how you use your car:<\/p>\n\n\n\n<ul><li><strong>All-driver vs named driver<\/strong><strong><br><\/strong> Named driver is cheaper if only specific people use the car. All-driver makes sense if friends or family regularly drive it.<\/li><li><strong>Towing and roadside assistance<\/strong><strong><br><\/strong> Many new cars already include manufacturer roadside assistance. Some credit cards also provide this. If you are already covered, this may duplicate existing benefits.<\/li><li><strong>Legal liability to passengers<\/strong><strong><br><\/strong> Adds protection if your passengers are injured and you are held liable. More relevant if you regularly carry others.<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Add-Ons_That_Rarely_Pay_Off\"><\/span><strong>Add-Ons That Rarely Pay Off<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>These are commonly purchased but often go unused:<\/p>\n\n\n\n<ul><li><strong>Strike, riot, and civil commotion<\/strong><strong><br><\/strong> Rarely applicable in Malaysia for most drivers.<\/li><li><strong>Accessories cover (standard)<\/strong><strong><br><\/strong> Usually limited to RM500 to RM1,000. Claims for small items can be inconvenient, and the payout may not justify the effort unless you have high-value accessories.<\/li><li><strong>Current year NCD protection<\/strong><strong><br><\/strong> Protects your NCD after one at-fault claim. However, the cost can be relatively high compared to the benefit, especially if you rarely claim.<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_It_Affects_Your_Premium\"><\/span><strong>How It Affects Your Premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Each add-on may seem small individually, but combined they can significantly increase your total premium.<\/p>\n\n\n\n<p>Understanding <strong>car insurance add-ons you will never use<\/strong> helps you:<\/p>\n\n\n\n<ul><li>Avoid paying for overlapping coverage<\/li><li>Focus on high-impact protection<\/li><li>Keep your premium aligned with your actual risk<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_to_Decide_What_to_Keep\"><\/span><strong>How to Decide What to Keep<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ask yourself these three questions:<\/p>\n\n\n\n<ol><li>How likely is this event?<\/li><li>How expensive would it be without insurance?<\/li><li>Am I already covered elsewhere?<\/li><\/ol>\n\n\n\n<p>If the risk is low and the cost is manageable, the add-on may not be necessary. If the risk is meaningful and the financial impact is high, it is usually worth keeping.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"FAQ\"><\/span><strong>FAQ<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li><strong>Which car insurance add-ons are most worth it?<\/strong><strong><br><\/strong> Windscreen coverage and special perils (flood) usually offer the best value.<\/li><li><strong>Does claiming windscreen coverage affect my NCD?<\/strong><strong><br><\/strong> In most cases, no.<\/li><li><strong>Should I choose all-driver or named driver?<\/strong><strong><br><\/strong> Named driver is cheaper if usage is limited. All-driver is safer if multiple people use the car.<\/li><li><strong>Is towing coverage necessary?<\/strong><strong><br><\/strong> Check if you already have coverage from your car manufacturer or credit card.<\/li><li><strong>What is the most practical add-on to keep?<\/strong><strong><br><\/strong> Windscreen coverage, due to its low cost and high likelihood of use.<\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Not every add-on deserves a place in your policy. The key is to focus on protection that addresses real and costly risks, while avoiding those that rarely apply.By understanding <strong>car insurance add-ons you will never use<\/strong>, you can make smarter choices at renewal \u2014 reducing unnecessary costs without compromising meaningful protection.<\/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-add-ons-you-will-never-use--an-honest-look\" 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-for-delivery-riders-are-they-covered\">Motorcycle Insurance for Delivery Riders \u2014 Are They Covered?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/renew-car-insurance-with-unpaid-summons-what-happens\">Renew Car Insurance With Unpaid Summons \u2014 What Happens?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/first-time-renewing-car-insurance-a-simple-walkthrough\">First Time Renewing Car Insurance \u2014 A Simple Walkthrough<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Not all car insurance add-ons are created equal. Some protect you from real risks. Others sound useful but rarely pay off. Here&#8217;s how to tell the difference.<\/p>\n","protected":false},"author":31,"featured_media":59779,"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":[3342,429,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Insurance Add-Ons You Will Never Use \u2014 An Honest Look | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Car Insurance Add-Ons You Will Never Use \u2014 An Honest Look What Coverage Actually Matters.\" \/>\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-add-ons-you-will-never-use-an-honest-look\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Insurance Add-Ons You Will Never Use \u2014 An Honest Look | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Car Insurance Add-Ons You Will Never Use \u2014 An Honest Look What Coverage Actually Matters.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-add-ons-you-will-never-use-an-honest-look\" \/>\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=\"2026-04-29T04:29:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-28T11:00:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Car-Insurance-Add-Ons-You-Will-Never-Use-\u2014-An-Honest-Look.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\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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