{"id":60173,"date":"2026-05-25T16:25:11","date_gmt":"2026-05-25T08:25:11","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=60173"},"modified":"2026-05-25T16:25:14","modified_gmt":"2026-05-25T08:25:14","slug":"car-insurance-de-tariffication-malaysia-what-it-means-in-2026","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-de-tariffication-malaysia-what-it-means-in-2026","title":{"rendered":"Car Insurance De-Tariffication Malaysia \u2014 What It Means in 2026"},"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-6a1723624bfe6\" 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-6a1723624bfe6\"><\/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-de-tariffication-malaysia-what-it-means-in-2026\/#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-de-tariffication-malaysia-what-it-means-in-2026\/#What_Is_De-Tariffication\" title=\"What Is De-Tariffication?\">What Is De-Tariffication?<\/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-de-tariffication-malaysia-what-it-means-in-2026\/#History_of_Car_Insurance_De-Tariffication_Malaysia\" title=\"History of Car Insurance De-Tariffication Malaysia\">History of Car Insurance De-Tariffication Malaysia<\/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-de-tariffication-malaysia-what-it-means-in-2026\/#How_De-Tariffication_Affects_Consumers_in_2026\" title=\"How De-Tariffication Affects Consumers in 2026\">How De-Tariffication Affects Consumers in 2026<\/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-de-tariffication-malaysia-what-it-means-in-2026\/#Winners_and_Losers_Under_De-Tariffication\" title=\"Winners and Losers Under De-Tariffication\">Winners and Losers Under De-Tariffication<\/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-de-tariffication-malaysia-what-it-means-in-2026\/#What_Factors_Insurers_Use_to_Price_Differently\" title=\"What Factors Insurers Use to Price Differently\">What Factors Insurers Use to Price Differently<\/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-de-tariffication-malaysia-what-it-means-in-2026\/#How_to_Benefit_from_De-Tariffication_in_2026\" title=\"How to Benefit from De-Tariffication in 2026\">How to Benefit from De-Tariffication in 2026<\/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-de-tariffication-malaysia-what-it-means-in-2026\/#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-de-tariffication-malaysia-what-it-means-in-2026\/#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>Car insurance de-tariffication in Malaysia has fundamentally changed how premiums work in 2026. Before de-tariffication, every insurer charged the same price for the same car. Today, two insurers can quote very different premiums for the exact same vehicle and driver. This shift from regulated fixed pricing to market-based pricing creates both opportunities and risks for Malaysian drivers. If you understand how the system works, you can save hundreds of ringgit per year. If you don&#8217;t, you may be overpaying without knowing it. This guide explains what de-tariffication means, how it affects you, and what to do about it.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_Is_De-Tariffication\"><\/span>What Is De-Tariffication?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>De-tariffication moves insurance pricing from a fixed tariff system \u2014 where a regulator sets prices \u2014 to a market-based system where insurers set their own prices within certain guidelines.<\/p>\n\n\n\n<p>Under the old tariff system, <a href=\"https:\/\/www.bnm.gov.my\">Bank Negara Malaysia (BNM)<\/a> and <a href=\"https:\/\/www.piam.org.my\">PIAM<\/a> determined the exact premium for every car using a fixed formula. That formula used the car&#8217;s sum insured, engine capacity, and vehicle class. Every insurer charged the same base premium for the same car. Competition only happened around service quality and add-ons \u2014 not price.<\/p>\n\n\n\n<p>Under de-tariffication, insurers can factor in extra variables to price policies individually. This means your premium no longer depends purely on your car. It also depends on your personal risk profile \u2014 including your driving history, claims record, location, age, and other factors the insurer considers relevant.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"60175\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-de-tariffication-malaysia-what-it-means-in-2026\/attachment\/car-insurance-de-tariffication-malaysia-what-it-means-in-2026-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-De-Tariffication-Malaysia-\u2014-What-It-Means-in-2026-2.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 De-Tariffication Malaysia \u2014 What It Means in 2026 (2)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-De-Tariffication-Malaysia-\u2014-What-It-Means-in-2026-2.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-De-Tariffication-Malaysia-\u2014-What-It-Means-in-2026-2.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\/05\/Car-Insurance-De-Tariffication-Malaysia-\u2014-What-It-Means-in-2026-2.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic explaining car insurance de-tariffication in Malaysia and what changes for drivers in 2026.\" class=\"wp-image-60175\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-De-Tariffication-Malaysia-\u2014-What-It-Means-in-2026-2.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-De-Tariffication-Malaysia-\u2014-What-It-Means-in-2026-2.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-De-Tariffication-Malaysia-\u2014-What-It-Means-in-2026-2.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-De-Tariffication-Malaysia-\u2014-What-It-Means-in-2026-2.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-De-Tariffication-Malaysia-\u2014-What-It-Means-in-2026-2.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<h2><span class=\"ez-toc-section\" id=\"History_of_Car_Insurance_De-Tariffication_Malaysia\"><\/span>History of Car Insurance De-Tariffication Malaysia<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>De-tariffication in Malaysia rolled out in phases:<\/p>\n\n\n\n<p><strong>July 2017 \u2014 Phase 1:<\/strong> BNM officially began de-tariffication of motor and fire insurance. Insurers got limited flexibility to adjust premiums within a defined range (up to \u00b110% from the tariff rate for motor insurance).<\/p>\n\n\n\n<p><strong>2018-2019 \u2014 Gradual expansion:<\/strong> The pricing flexibility grew. Insurers started developing their own risk models and pricing engines. More insurers began offering competitive quotes that moved away from the old tariff rates.<\/p>\n\n\n\n<p><strong>2020-2022 \u2014 Full market pricing:<\/strong> Insurers gained full flexibility to set their own motor insurance premiums. The tariff structure was effectively retired for pricing purposes. However, BNM kept oversight to ensure fair practices.<\/p>\n\n\n\n<p><strong>2023-2026 \u2014 Mature market:<\/strong> The market is now fully de-tariffied. Insurers use sophisticated data analytics, telematics, and risk profiling to price policies. As a result, there&#8217;s significant price variation between companies \u2014 which benefits consumers who compare quotes.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_De-Tariffication_Affects_Consumers_in_2026\"><\/span>How De-Tariffication Affects Consumers in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For Malaysian drivers, de-tariffication has several practical effects:<\/p>\n\n\n\n<p><strong>Prices vary between insurers:<\/strong> The same Perodua Myvi, same driver, same NCD can get a quote of RM800 from one insurer and RM1,200 from another. The difference can be 20-40% or more. Because of this, comparing quotes is essential \u2014 not optional.<\/p>\n\n\n\n<p><strong>Good drivers pay less:<\/strong> If you have a clean driving record, high NCD, no claims history, and drive a low-risk vehicle, you&#8217;re likely to benefit from de-tariffication. Insurers compete for low-risk customers by offering lower premiums.<\/p>\n\n\n\n<p><strong>High-risk drivers may pay more:<\/strong> Drivers with a history of claims, young or inexperienced drivers, and owners of high-performance or frequently stolen vehicles may see higher premiums. Insurers now price for actual risk, not just car specs.<\/p>\n\n\n\n<p><strong>Auto-renewal costs you money:<\/strong> Under the tariff system, there was no penalty for auto-renewing with the same insurer \u2014 the price was the same everywhere. Under de-tariffication, sticking with the same insurer without comparing can mean overpaying by hundreds of ringgit. Your current insurer may no longer offer the most competitive rate for your profile.<\/p>\n\n\n\n<p><strong>Add-on pricing varies too:<\/strong> De-tariffication doesn&#8217;t just affect base premiums. Add-ons like windscreen coverage, special perils, and roadside assistance also differ in price by insurer. You should compare the total cost of a policy \u2014 base premium plus add-ons \u2014 holistically. For a breakdown of common add-ons, see <a href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-add-ons-you-will-never-use-an-honest-look\">car insurance add-ons and whether they&#8217;re worth it<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Winners_and_Losers_Under_De-Tariffication\"><\/span>Winners and Losers Under De-Tariffication<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>De-tariffication doesn&#8217;t affect everyone equally. Here&#8217;s who benefits and who may face higher costs:<\/p>\n\n\n\n<p><strong>Winners:<\/strong><\/p>\n\n\n\n<p>Safe, experienced drivers with high NCD and no claims history. Insurers see these customers as low-risk and compete to attract them with lower prices.<\/p>\n\n\n\n<p>Drivers of common, affordable vehicles. Cars like the Perodua Myvi and Proton Saga have low repair costs and plenty of spare parts. This makes them cheaper to insure.<\/p>\n\n\n\n<p>Informed consumers who compare quotes. The biggest winners are drivers who use comparison platforms to find the best price every year.<\/p>\n\n\n\n<p><strong>Losers:<\/strong><\/p>\n\n\n\n<p>Young or new drivers with no NCD. Without a claims history to prove their risk level, insurers often price them conservatively \u2014 meaning higher premiums.<\/p>\n\n\n\n<p>Owners of luxury, imported, or high-performance vehicles. These cars cost a lot to repair and attract higher premiums under risk-based pricing.<\/p>\n\n\n\n<p>Drivers who auto-renew without comparing. If you don&#8217;t shop around, you may pay significantly more than necessary. Under the old tariff, this didn&#8217;t matter. Under de-tariffication, it costs real money.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_Factors_Insurers_Use_to_Price_Differently\"><\/span>What Factors Insurers Use to Price Differently<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Under de-tariffication, insurers have built proprietary pricing models that go beyond the old tariff formula. These models consider:<\/p>\n\n\n\n<p><strong>Claims history:<\/strong> Drivers with past claims pay more. Drivers with clean records get discounts. This is the most significant pricing factor after the vehicle itself.<\/p>\n\n\n\n<p><strong>NCD level:<\/strong> Your NCD directly reduces your premium. A 55% NCD is the most powerful discount available to any driver. To check your NCD, see <a href=\"https:\/\/bjak.my\/blog\/car-insurance\/method-on-checking-ncd-in-2026\">how to check your NCD in 2026<\/a>.<\/p>\n\n\n\n<p><strong>Driver age and experience:<\/strong> Younger drivers and those with fewer years of driving experience tend to pay more. Statistically, they have higher accident rates.<\/p>\n\n\n\n<p><strong>Vehicle make and model:<\/strong> Some cars cost more to repair, have higher theft rates, or get into more accidents. Insurers adjust premiums accordingly.<\/p>\n\n\n\n<p><strong>Location:<\/strong> Drivers in high-traffic areas like Kuala Lumpur and Johor Bahru typically pay more than those in quieter regions or East Malaysia.<\/p>\n\n\n\n<p><strong>Occupation:<\/strong> Some insurers use occupation as a proxy for driving patterns and risk behaviour.<\/p>\n\n\n\n<p><strong>Driving behaviour (telematics):<\/strong> A growing number of insurers offer telematics-based policies. These track driving behaviour \u2014 speed, braking, cornering, and time of driving \u2014 and adjust premiums based on actual driving data.<\/p>\n\n\n\n<p>Each insurer weighs these factors differently. That&#8217;s why two companies can produce very different quotes for the same driver. Understanding this explains why comparison is so important under de-tariffication.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_to_Benefit_from_De-Tariffication_in_2026\"><\/span>How to Benefit from De-Tariffication in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>De-tariffication rewards proactive, informed drivers. Here&#8217;s how to make it work in your favour:<\/p>\n\n\n\n<p><strong>1. Compare quotes every year.<\/strong> This is the single most impactful action. Use platforms like Bjak to compare premiums from multiple insurers in minutes. The price differences can be substantial.<\/p>\n\n\n\n<p><strong>2. Protect your NCD.<\/strong> A high NCD is your strongest negotiating position. Avoid unnecessary claims, especially for minor damage. The premium savings from maintaining 55% NCD outweigh most small claims.<\/p>\n\n\n\n<p><strong>3. Maintain a clean driving record.<\/strong> Under de-tariffication, your personal risk profile matters. No claims, no summonses, and careful driving all contribute to lower premiums.<\/p>\n\n\n\n<p><strong>4. Consider telematics policies.<\/strong> If you&#8217;re a safe driver, a telematics-based policy can lower your premium by proving your good driving habits with data.<\/p>\n\n\n\n<p><strong>5. Review add-ons individually.<\/strong> Don&#8217;t accept the default add-on package without checking whether each component is necessary and competitively priced. For insights on what affects your overall cost, read <a href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-affects-your-insurance-premium\">what affects your insurance premium<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ\"><\/span>FAQ<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. What is de-tariffication in Malaysian car insurance?<\/strong><\/p>\n\n\n\n<p>De-tariffication is the shift from fixed, regulated insurance pricing to market-based pricing. Since July 2017, insurers in Malaysia can set their own motor insurance premiums instead of following a uniform tariff.<\/p>\n\n\n\n<p><strong>2. Does de-tariffication mean insurance costs more now?<\/strong><\/p>\n\n\n\n<p>Not necessarily. De-tariffication means prices vary by insurer and driver profile. Safe drivers with good records may pay less than under the old tariff. Meanwhile, high-risk drivers may pay more. The key is to compare quotes.<\/p>\n\n\n\n<p><strong>3. Why do different insurers charge different prices for the same car?<\/strong><\/p>\n\n\n\n<p>Under de-tariffication, each insurer uses its own risk model to price policies. They weigh factors like claims history, location, driver age, and occupation differently. As a result, premiums vary between companies.<\/p>\n\n\n\n<p><strong>4. How can I get the cheapest car insurance under de-tariffication?<\/strong><\/p>\n\n\n\n<p>Compare quotes from multiple insurers every year. Also, maintain your NCD, avoid unnecessary claims, and review your add-ons. Platforms like Bjak make it easy to compare prices from different insurers side by side.<\/p>\n\n\n\n<p><strong>5. Does the government regulate de-tariffication?<\/strong><\/p>\n\n\n\n<p>Yes. Although insurers set their own prices, BNM keeps oversight to ensure pricing stays fair, transparent, and actuarially justified. Insurers must comply with BNM guidelines on pricing practices.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Car insurance de-tariffication in Malaysia has created a market where informed drivers save money and passive ones overpay. In 2026, there&#8217;s no reason to accept the first quote you get or auto-renew without checking alternatives. The price differences between insurers are real and significant. Protect your NCD, maintain a clean record, and compare quotes on Bjak every year. De-tariffication rewards drivers who take five minutes to shop around \u2014 and penalises those who don&#8217;t.<\/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-de-tariffication-malaysia--what-it-means-in-2026\" 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\/what-to-do-after-a-car-accident-malaysia-your-first-24-hours\">What to Do After a Car Accident Malaysia \u2014 Your First 24 Hours<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-e-hailing-delivery-riders-are-you-covered\">Motorcycle Insurance E-Hailing Delivery Riders \u2014 Are You Covered?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/cheapest-car-insurance-malaysia-2026-how-to-find-the-best-deal\">Cheapest Car Insurance Malaysia 2026 \u2014 How to Find the Best Deal<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>De-tariffication changed how car insurance prices work in Malaysia. In 2026, prices vary widely between insurers. Learn how it works, who wins, and how to pay less.<\/p>\n","protected":false},"author":31,"featured_media":60174,"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":[429,3550,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Insurance De-Tariffication Malaysia \u2014 What It Means in 2026 | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Car Insurance De-Tariffication Malaysia \u2014 What It Means in 2026 and How It Will Affect Your Premium\" \/>\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-de-tariffication-malaysia-what-it-means-in-2026\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Insurance De-Tariffication Malaysia \u2014 What It Means in 2026 | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Car Insurance De-Tariffication Malaysia \u2014 What It Means in 2026 and How It Will Affect Your Premium\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-de-tariffication-malaysia-what-it-means-in-2026\" \/>\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=\"2026-05-25T08:25:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-25T08:25:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-De-Tariffication-Malaysia-\u2014-What-It-Means-in-2026.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=\"BJAK Content Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 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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