{"id":59892,"date":"2026-05-08T20:47:40","date_gmt":"2026-05-08T12:47:40","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59892"},"modified":"2026-05-08T20:47:41","modified_gmt":"2026-05-08T12:47:41","slug":"how-car-modifications-affect-your-insurance-premium-in-malaysia","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/how-car-modifications-affect-your-insurance-premium-in-malaysia","title":{"rendered":"How Car Modifications Affect Your Insurance Premium in Malaysia"},"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-6a049bf665c1a\" 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-6a049bf665c1a\"><\/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\/how-car-modifications-affect-your-insurance-premium-in-malaysia\/#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\/how-car-modifications-affect-your-insurance-premium-in-malaysia\/#Why_Modifications_Affect_Your_Insurance_Premium\" title=\"Why Modifications Affect Your Insurance Premium\">Why Modifications Affect Your Insurance Premium<\/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\/how-car-modifications-affect-your-insurance-premium-in-malaysia\/#Modifications_That_Typically_Increase_Your_Premium\" title=\"Modifications That Typically Increase Your Premium\">Modifications That Typically Increase Your Premium<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-car-modifications-affect-your-insurance-premium-in-malaysia\/#Engine_and_Performance_Modifications\" title=\"Engine and Performance Modifications\">Engine and Performance Modifications<\/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\/how-car-modifications-affect-your-insurance-premium-in-malaysia\/#Suspension_and_Handling_Changes\" title=\"Suspension and Handling Changes\">Suspension and Handling Changes<\/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\/how-car-modifications-affect-your-insurance-premium-in-malaysia\/#Body_Kits_and_Exterior_Modifications\" title=\"Body Kits and Exterior Modifications\">Body Kits and Exterior Modifications<\/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\/how-car-modifications-affect-your-insurance-premium-in-malaysia\/#Wheels_and_Tyres\" title=\"Wheels and Tyres\">Wheels and Tyres<\/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\/how-car-modifications-affect-your-insurance-premium-in-malaysia\/#Window_Tinting_Beyond_Legal_Limits\" title=\"Window Tinting Beyond Legal Limits\">Window Tinting Beyond Legal Limits<\/a><\/li><\/ul><\/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\/how-car-modifications-affect-your-insurance-premium-in-malaysia\/#Modifications_That_Are_Generally_Safe\" title=\"Modifications That Are Generally Safe\">Modifications That Are Generally Safe<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-car-modifications-affect-your-insurance-premium-in-malaysia\/#What_Happens_If_You_Don%E2%80%99t_Declare_Modifications\" title=\"What Happens If You Don&#8217;t Declare Modifications\">What Happens If You Don&#8217;t Declare Modifications<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-car-modifications-affect-your-insurance-premium-in-malaysia\/#How_to_Declare_Modifications_Properly\" title=\"How to Declare Modifications Properly\">How to Declare Modifications Properly<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-car-modifications-affect-your-insurance-premium-in-malaysia\/#Tips_to_Keep_Your_Premium_Manageable\" title=\"Tips to Keep Your Premium Manageable\">Tips to Keep Your Premium Manageable<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-car-modifications-affect-your-insurance-premium-in-malaysia\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-car-modifications-affect-your-insurance-premium-in-malaysia\/#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>Malaysia has a thriving car modification culture. From turbo kits and engine swaps to body kits, sport rims, and lowered suspension \u2014 Malaysians love personalising their rides. But here&#8217;s the part most people don&#8217;t think about until it&#8217;s too late: car modifications affect your insurance premium, and failing to declare them could mean your claim gets rejected entirely.<\/p>\n\n\n\n<p>Whether you&#8217;ve already modified your car or you&#8217;re planning to, understanding how modifications interact with your insurance policy is essential. In this guide, we&#8217;ll cover which modifications increase your premium, which ones are generally safe, what happens if you don&#8217;t declare them, and how to do things the right way.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Why_Modifications_Affect_Your_Insurance_Premium\"><\/span><strong>Why Modifications Affect Your Insurance Premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurance premiums are calculated based on risk. When you modify a car beyond its factory specifications, you&#8217;re changing the risk profile of the vehicle. Here&#8217;s why insurers care:<\/p>\n\n\n\n<ul><li><strong>Increased vehicle value:<\/strong> Performance or aesthetic upgrades raise the market value or agreed value of the car, which means the insurer&#8217;s potential payout is higher.<\/li><li><strong>Higher accident risk:<\/strong> Performance modifications like turbo kits, engine swaps, or nitrous systems can make a car faster and potentially harder to control, increasing accident risk.<\/li><li><strong>More expensive repairs:<\/strong> Custom parts \u2014 especially imported ones \u2014 cost more to replace than standard factory parts.<\/li><li><strong>Theft attractiveness:<\/strong> A visibly modified car can attract more attention from thieves, especially if it has expensive rims, sound systems, or performance parts.<\/li><\/ul>\n\n\n\n<p>From the insurer&#8217;s perspective, a modified car is simply a higher-risk vehicle. And higher risk means a higher premium.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Modifications_That_Typically_Increase_Your_Premium\"><\/span><strong>Modifications That Typically Increase Your Premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Not all modifications are treated equally. Here are the types that will almost certainly affect your insurance cost:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Engine_and_Performance_Modifications\"><\/span><strong>Engine and Performance Modifications<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This is the big one. Any modification that changes your engine&#8217;s output \u2014 turbocharging, supercharging, engine swaps, ECU remapping, exhaust upgrades, or intake modifications \u2014 will increase your premium significantly. Insurers view these as high-risk because they change the car&#8217;s speed and handling characteristics.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Suspension_and_Handling_Changes\"><\/span><strong>Suspension and Handling Changes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Lowered suspension, coilovers, upgraded brakes, and roll cages change how the car handles. While some of these improve safety, insurers generally treat them as indicators of aggressive driving and charge accordingly.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Body_Kits_and_Exterior_Modifications\"><\/span><strong>Body Kits and Exterior Modifications<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Wide body kits, oversized spoilers, custom bumpers, and aftermarket fenders increase the cost to repair or replace in an accident. They also change the vehicle&#8217;s aerodynamic profile, which insurers take into account.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Wheels_and_Tyres\"><\/span><strong>Wheels and Tyres<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Upgrading from standard rims to expensive forged wheels or increasing your tyre size beyond factory spec adds value to the vehicle and increases replacement costs. This will be reflected in your premium.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Window_Tinting_Beyond_Legal_Limits\"><\/span><strong>Window Tinting Beyond Legal Limits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>While factory-standard tinting is fine, excessively dark tints \u2014 especially on the front windscreen and front side windows \u2014 may raise concerns. More importantly, if your tint exceeds JPJ&#8217;s legal limits, it could complicate claims.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Modifications_That_Are_Generally_Safe\"><\/span><strong>Modifications That Are Generally Safe<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Not every change to your car will trigger a premium increase. These are typically considered low-risk:<\/p>\n\n\n\n<ul><li><strong>Dashcams:<\/strong> These are viewed positively by some insurers as they provide evidence in case of accidents.<\/li><li><strong>GPS trackers:<\/strong> Anti-theft devices may even qualify you for a discount.<\/li><li><strong>Seat covers and interior trim:<\/strong> Cosmetic interior changes don&#8217;t affect the vehicle&#8217;s risk profile.<\/li><li><strong>Standard audio upgrades:<\/strong> Replacing the head unit or adding speakers is generally fine, unless you&#8217;re installing a high-value competition sound system.<\/li><li><strong>Rubber floor mats, sun visors, and minor accessories:<\/strong> These are non-issues for insurers.<\/li><\/ul>\n\n\n\n<p>The general rule: if it doesn&#8217;t change the car&#8217;s performance, value, or appearance significantly, it probably won&#8217;t affect your premium.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_Happens_If_You_Don%E2%80%99t_Declare_Modifications\"><\/span><strong>What Happens If You Don&#8217;t Declare Modifications<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This is where things get serious. In Malaysia, your insurance policy requires you to disclose any modifications that change the vehicle from its original factory specifications. If you don&#8217;t:<\/p>\n\n\n\n<ul><li><strong>Your claim can be rejected:<\/strong> If you file a claim and the insurer discovers undeclared modifications during the assessment, they can refuse to pay. This applies to both own damage and third-party claims.<\/li><li><strong>Your policy can be voided:<\/strong> In extreme cases, the insurer may void your entire policy, treating it as if it never existed. You&#8217;d lose all coverage retroactively.<\/li><li><strong>You lose your NCD:<\/strong> A voided policy or rejected claim can affect your No Claim Discount history.<\/li><\/ul>\n\n\n\n<p>The worst-case scenario: you have a serious accident with an undeclared turbocharged engine, the insurer investigates, finds the modification, and rejects your claim. You&#8217;re stuck paying for all repairs and any third-party liability out of pocket.<\/p>\n\n\n\n<p>It&#8217;s simply not worth the risk. Always declare.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_to_Declare_Modifications_Properly\"><\/span><strong>How to Declare Modifications Properly<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Declaring modifications is straightforward if you do it at the right time:<\/p>\n\n\n\n<ol><li><strong>At renewal:<\/strong> When renewing your policy, inform your insurer or agent about any modifications made during the year. They&#8217;ll adjust the sum insured and premium accordingly.<\/li><li><strong>Mid-policy:<\/strong> If you make modifications during the policy period, contact your insurer to endorse the changes. There may be an additional premium for the remaining period.<\/li><li><strong>Provide documentation:<\/strong> Keep receipts, photos, and specifications of your modifications. Some insurers may ask for an inspection or valuation report.<\/li><li><strong>Get an agreed value:<\/strong> For heavily modified cars, consider an agreed value policy rather than market value. This ensures you&#8217;re covered for the actual value of the car including modifications.<\/li><\/ol>\n\n\n\n<p>A good insurance agent will help you navigate this process and ensure your policy accurately reflects your vehicle&#8217;s current state.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tips_to_Keep_Your_Premium_Manageable\"><\/span><strong>Tips to Keep Your Premium Manageable<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you&#8217;re a car enthusiast who wants modifications but doesn&#8217;t want to blow your insurance budget, here are some tips:<\/p>\n\n\n\n<ul><li><strong>Prioritise bolt-on modifications:<\/strong> Reversible mods are easier to insure and value than permanent changes.<\/li><li><strong>Install security features:<\/strong> Anti-theft devices, GPS trackers, and dashcams can offset some risk factors.<\/li><li><strong>Compare quotes:<\/strong> Different insurers treat modifications differently. Shop around \u2014 some are more modification-friendly than others.<\/li><li><strong>Build your NCD:<\/strong> A high NCD offsets premium increases from modifications. Drive carefully and maintain your claim-free record.<\/li><li><strong>Consider the total cost:<\/strong> Factor insurance into your modification budget. That RM5,000 turbo kit might add RM500 or more per year to your premium.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Do I need to declare cosmetic modifications like stickers or vinyl wraps?<\/strong><br>Minor cosmetic changes like stickers generally don&#8217;t need to be declared. However, full vinyl wraps that change the car&#8217;s colour should be updated with JPJ and disclosed to your insurer to avoid complications.<\/li><li><strong>Will adding a turbo kit void my insurance?<\/strong><br>Not if you declare it. Adding a turbo kit will increase your premium, but as long as it&#8217;s disclosed and endorsed on your policy, you remain covered. Failing to declare it is what causes problems.<\/li><li><strong>Can my claim be rejected for undeclared tinted windows?<\/strong><br>It&#8217;s unlikely for standard tinting, but if your tint is illegal under JPJ regulations and contributes to an accident, the insurer may use it as grounds to dispute the claim.<\/li><li><strong>How much more will I pay for a modified car?<\/strong><br>It varies widely. Minor modifications might add 5-10% to your premium, while major engine modifications could increase it by 20-50% or more depending on the insurer and the nature of the modification.<\/li><li><strong>Should I get an agreed value policy for my modified car?<\/strong><br>Yes, especially if your modifications significantly increase the car&#8217;s value. An agreed value policy ensures you&#8217;re compensated for the full value including modifications, rather than a lower market value estimate.<\/li><li><strong>What if I remove the modifications \u2014 does my premium go back down?<\/strong><br>Yes. If you revert the car to factory specifications and inform your insurer, your premium should be adjusted downward at the next renewal.<\/li><\/ol>\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>Modifying your car is part of Malaysian car culture, and there&#8217;s nothing wrong with it \u2014 as long as you do it responsibly from an insurance perspective. The key rule is simple: always declare your modifications. Yes, it may cost you a bit more on your premium, but the alternative \u2014 having a claim rejected when you need it most \u2014 is far worse.<\/p>\n\n\n\n<p>Talk to your insurer or agent before making major changes, compare quotes across providers, and factor insurance into your modification budget. That way, you can enjoy your ride without worrying about coverage gaps.<\/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=how-car-modifications-affect-your-insurance-premium-in-malaysia4\" style=\"background-color:#ffd103\" target=\"_blank\" rel=\"noreferrer noopener\">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>Car modifications can increase your insurance premium or even void your claim. Here&#8217;s what Malaysian car owners need to know about declaring mods, which ones cost more, and how to stay covered.<\/p>\n","protected":false},"author":31,"featured_media":59903,"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":[429,59,3531,172],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Car Modifications Affect Your Insurance Premium in Malaysia | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: How Car Modifications Affect Your Insurance Premium in Malaysia And How It May Affect Your Claims?\" \/>\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\/how-car-modifications-affect-your-insurance-premium-in-malaysia\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Car Modifications Affect Your Insurance Premium in Malaysia | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: How Car Modifications Affect Your Insurance Premium in Malaysia And How It May Affect Your Claims?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/how-car-modifications-affect-your-insurance-premium-in-malaysia\" \/>\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=\"2026-05-08T12:47:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-08T12:47:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/How-Car-Modifications-Affect-Your-Insurance-Premium-in-Malaysia.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=\"BJAK Content Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 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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