{"id":60188,"date":"2026-05-25T16:29:32","date_gmt":"2026-05-25T08:29:32","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=60188"},"modified":"2026-05-25T16:30:10","modified_gmt":"2026-05-25T08:30:10","slug":"renewing-insurance-for-old-cars-malaysia-2026-what-changes","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/renewing-insurance-for-old-cars-malaysia-2026-what-changes","title":{"rendered":"Renewing Insurance for Old Cars Malaysia 2026 \u2014 What Changes"},"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-6a1728758f6d2\" 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-6a1728758f6d2\"><\/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\/renewing-insurance-for-old-cars-malaysia-2026-what-changes\/#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\/renewing-insurance-for-old-cars-malaysia-2026-what-changes\/#How_Vehicle_Age_Affects_Car_Insurance_in_Malaysia\" title=\"How Vehicle Age Affects Car Insurance in Malaysia\">How Vehicle Age Affects Car Insurance in Malaysia<\/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\/renewing-insurance-for-old-cars-malaysia-2026-what-changes\/#Insurance_Dynamics_at_5_10_and_15_Years\" title=\"Insurance Dynamics at 5, 10, and 15 Years\">Insurance Dynamics at 5, 10, and 15 Years<\/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\/renewing-insurance-for-old-cars-malaysia-2026-what-changes\/#Betterment_Deductions_%E2%80%94_The_Hidden_Cost_for_Old_Cars\" title=\"Betterment Deductions \u2014 The Hidden Cost for Old Cars\">Betterment Deductions \u2014 The Hidden Cost for Old Cars<\/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\/renewing-insurance-for-old-cars-malaysia-2026-what-changes\/#Agreed_Value_vs_Market_Value_%E2%80%94_Why_It_Matters_More_for_Old_Cars\" title=\"Agreed Value vs Market Value \u2014 Why It Matters More for Old Cars\">Agreed Value vs Market Value \u2014 Why It Matters More for Old Cars<\/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\/renewing-insurance-for-old-cars-malaysia-2026-what-changes\/#Is_Comprehensive_Coverage_Still_Worth_It_for_Old_Cars\" title=\"Is Comprehensive Coverage Still Worth It for Old Cars?\">Is Comprehensive Coverage Still Worth It for Old Cars?<\/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\/renewing-insurance-for-old-cars-malaysia-2026-what-changes\/#Why_NCD_Becomes_Even_More_Important_for_Old_Cars\" title=\"Why NCD Becomes Even More Important for Old Cars\">Why NCD Becomes Even More Important for Old Cars<\/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\/renewing-insurance-for-old-cars-malaysia-2026-what-changes\/#Tips_for_Old_Car_Owners_Renewing_Insurance_in_2026\" title=\"Tips for Old Car Owners Renewing Insurance in 2026\">Tips for Old Car Owners Renewing Insurance in 2026<\/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\/renewing-insurance-for-old-cars-malaysia-2026-what-changes\/#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-10\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/renewing-insurance-for-old-cars-malaysia-2026-what-changes\/#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>Renewing insurance for old cars in Malaysia in 2026 comes with challenges that newer car owners don&#8217;t face. As your vehicle ages, its market value drops \u2014 but repair costs don&#8217;t follow. Parts become harder to find. Betterment deductions eat into your claim payouts. Also, some insurers become reluctant to offer comprehensive coverage. At the same time, your No Claim Discount becomes even more critical because every ringgit saved on premiums matters more on a depreciating asset. This guide covers the insurance realities for cars aged 10 years and older. It also provides practical advice for Malaysian drivers navigating renewal in 2026.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_Vehicle_Age_Affects_Car_Insurance_in_Malaysia\"><\/span>How Vehicle Age Affects Car Insurance in Malaysia<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your car&#8217;s age affects nearly every aspect of your insurance \u2014 from the premium you pay to the amount you receive in a claim. Here&#8217;s what changes as your car gets older:<\/p>\n\n\n\n<p><strong>Lower market value = lower sum insured:<\/strong> Insurers base premiums partly on your car&#8217;s sum insured, which reflects its current market value. As your car depreciates, the sum insured drops, and so does your base premium. For example, a car worth RM80,000 when new might be worth RM25,000 at 10 years old.<\/p>\n\n\n\n<p><strong>Lower premiums (in theory):<\/strong> Because the sum insured is lower, your premium should also be lower. However, under de-tariffication, insurers may factor in the higher repair risk of older cars. This can partially offset the lower sum insured.<\/p>\n\n\n\n<p><strong>Higher repair risk:<\/strong> Older cars are more likely to need major repairs after an accident. Ageing components \u2014 wiring, rubber seals, suspension parts \u2014 may need replacing even if they weren&#8217;t directly damaged. This increases the insurer&#8217;s risk and can affect pricing.<\/p>\n\n\n\n<p><strong>Parts availability:<\/strong> For discontinued models or less common vehicles, spare parts become scarce and expensive. This drives up repair costs and may affect whether the insurer offers comprehensive coverage.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"60182\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-de-tariffication-malaysia-what-it-means-in-2026\/attachment\/renewing-insurance-for-old-cars-malaysia-2026-what-changes-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Renewing-Insurance-for-Old-Cars-Malaysia-2026-\u2014-What-Changes-2.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" 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=\"Renewing Insurance for Old Cars Malaysia 2026 \u2014 What Changes (2)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Renewing-Insurance-for-Old-Cars-Malaysia-2026-\u2014-What-Changes-2.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Renewing-Insurance-for-Old-Cars-Malaysia-2026-\u2014-What-Changes-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\/Renewing-Insurance-for-Old-Cars-Malaysia-2026-\u2014-What-Changes-2.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Renewing insurance for old cars in Malaysia in 2026 and what changes.\u201d\" class=\"wp-image-60182\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Renewing-Insurance-for-Old-Cars-Malaysia-2026-\u2014-What-Changes-2.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Renewing-Insurance-for-Old-Cars-Malaysia-2026-\u2014-What-Changes-2.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Renewing-Insurance-for-Old-Cars-Malaysia-2026-\u2014-What-Changes-2.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Renewing-Insurance-for-Old-Cars-Malaysia-2026-\u2014-What-Changes-2.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Renewing-Insurance-for-Old-Cars-Malaysia-2026-\u2014-What-Changes-2.jpg?w=1708&amp;ssl=1 1708w\" 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=\"Insurance_Dynamics_at_5_10_and_15_Years\"><\/span>Insurance Dynamics at 5, 10, and 15 Years<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The insurance experience changes a lot at different vehicle age milestones. Here&#8217;s a practical breakdown:<\/p>\n\n\n\n<p><strong>At 5 years:<\/strong> Your car has depreciated but remains relatively modern. Parts are easy to find, repair costs are predictable, and insurers treat your vehicle as standard risk. You can get comprehensive coverage easily, and it&#8217;s reasonably priced. Most drivers notice only a gradual decline in their sum insured and premium.<\/p>\n\n\n\n<p><strong>At 10 years:<\/strong> This is the turning point. Market value has dropped a lot \u2014 often to 30-40% of the original price. However, repair costs can be similar to or even higher than newer models. That&#8217;s because ageing parts and higher labour charges push costs up. Betterment deductions start becoming noticeable in claims. On top of that, some insurers may require a vehicle inspection before offering comprehensive coverage.<\/p>\n\n\n\n<p><strong>At 15+ years:<\/strong> Your car&#8217;s market value is minimal \u2014 often under RM10,000 for mainstream models. Comprehensive coverage may cost nearly as much as the car&#8217;s insured value over a few years. Betterment deductions can hit 30-50% on claims. Plus, parts for specific models may be unavailable or need aftermarket sourcing. At this stage, some drivers start questioning whether comprehensive coverage is still worth it.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Betterment_Deductions_%E2%80%94_The_Hidden_Cost_for_Old_Cars\"><\/span>Betterment Deductions \u2014 The Hidden Cost for Old Cars<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Betterment surprises many old car owners when they make a claim. It&#8217;s a deduction the insurer applies when new parts replace old ones in a repair.<\/p>\n\n\n\n<p>The logic is simple: if your 12-year-old car gets a brand-new bumper to replace the old one, the new part has improved the car&#8217;s condition beyond what it was before the accident. The insurer considers this an &#8220;improvement.&#8221; So, they deduct a percentage from the claim payout to account for the value difference.<\/p>\n\n\n\n<p><strong>How betterment works:<\/strong><\/p>\n\n\n\n<p>For vehicles under 5 years: betterment is usually minimal or zero.<br>For vehicles 5-9 years: betterment of 10-20% may apply on specific parts.<br>For vehicles 10-15 years: betterment of 20-35% is common.<br>For vehicles over 15 years: betterment of 30-50% or more may apply.<\/p>\n\n\n\n<p>Here&#8217;s what this means in practice. On a RM5,000 repair for a 12-year-old car, you might receive only RM3,500-RM4,000 from your insurer after betterment deductions. You pay the remaining RM1,000-RM1,500 out of pocket \u2014 on top of your excess.<\/p>\n\n\n\n<p>Betterment is legal and standard in Malaysia. However, many drivers don&#8217;t know about it until they file a claim and get less than expected. For a detailed explanation, see this guide on <a href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-betterment-means-in-car-insurance-claims-malaysia\">what betterment means in car insurance claims<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Agreed_Value_vs_Market_Value_%E2%80%94_Why_It_Matters_More_for_Old_Cars\"><\/span>Agreed Value vs Market Value \u2014 Why It Matters More for Old Cars<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When you insure your car, the sum insured can use either market value or agreed value. For older cars, this distinction becomes critical.<\/p>\n\n\n\n<p><strong>Market value:<\/strong> The insurer determines your car&#8217;s value at the time of a total loss claim based on current market prices. This is the default for most policies. The problem for old cars? Market value can be subjective and may be lower than you expect \u2014 especially for well-maintained vehicles.<\/p>\n\n\n\n<p><strong>Agreed value:<\/strong> You and the insurer agree on a fixed value when the policy starts. In the event of a total loss, you receive the agreed amount regardless of market conditions. This costs slightly more in premium but gives you certainty.<\/p>\n\n\n\n<p>For old cars, agreed value is generally recommended because:<\/p>\n\n\n\n<p>Market value for older cars can be hard to determine accurately. The insurer&#8217;s assessment may be lower than what you believe your car is worth.<\/p>\n\n\n\n<p>If your car is a total loss, the market value payout might not be enough to replace it with a comparable vehicle.<\/p>\n\n\n\n<p>Well-maintained older cars may have a practical value that exceeds the generic market value for their age and model.<\/p>\n\n\n\n<p>The extra premium for agreed value is usually modest \u2014 often RM50-RM150 more per year. For a car you intend to keep, this extra cost is a worthwhile investment. For a full comparison, see <a href=\"https:\/\/bjak.my\/blog\/car-insurance\/agreed-vs-market-value-car-insurance-which-is-better\">agreed vs market value car insurance<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Is_Comprehensive_Coverage_Still_Worth_It_for_Old_Cars\"><\/span>Is Comprehensive Coverage Still Worth It for Old Cars?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Every old car owner eventually asks this question. The answer depends on your specific situation:<\/p>\n\n\n\n<p><strong>Comprehensive is still worth it when:<\/strong><\/p>\n\n\n\n<p>Your car&#8217;s market value sits above RM15,000. At this value, the potential claim payout still justifies the premium cost.<\/p>\n\n\n\n<p>You rely on the car for daily commuting and can&#8217;t afford to replace it out of pocket if it&#8217;s totalled or stolen.<\/p>\n\n\n\n<p>Your NCD is high (45-55%), making the comprehensive premium very affordable. With maximum NCD, comprehensive coverage on an older car can cost as little as RM400-RM600 per year.<\/p>\n\n\n\n<p><strong>Consider switching to third-party fire and theft (TPFT) when:<\/strong><\/p>\n\n\n\n<p>Your car&#8217;s market value drops below RM10,000-RM15,000. At this point, the annual comprehensive premium represents a significant percentage of the car&#8217;s total value.<\/p>\n\n\n\n<p>The potential payout after excess and betterment deductions is so low that claiming becomes impractical.<\/p>\n\n\n\n<p>You have savings to absorb the cost of replacing the car if needed.<\/p>\n\n\n\n<p><strong>Third-party only is rarely advisable<\/strong> unless your car&#8217;s value is extremely low (under RM5,000) and you&#8217;re comfortable bearing the full cost of any damage. Even then, theft protection through TPFT provides meaningful coverage. For a deeper look, see <a href=\"https:\/\/bjak.my\/blog\/car-insurance\/third-party-car-insurance-is-it-enough-protection-2\">whether third-party insurance is enough protection<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Why_NCD_Becomes_Even_More_Important_for_Old_Cars\"><\/span>Why NCD Becomes Even More Important for Old Cars<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For older vehicles, your NCD is proportionally more valuable because the base premium is lower. Losing your NCD on an old car means a larger percentage increase in what you pay.<\/p>\n\n\n\n<p><strong>Example:<\/strong> A 12-year-old Proton Saga with a base comprehensive premium of RM700.<\/p>\n\n\n\n<p>With 55% NCD: you pay RM315 per year.<br>With 0% NCD: you pay RM700 per year \u2014 more than double.<\/p>\n\n\n\n<p>For an older, lower-value car, paying RM700 per year for comprehensive coverage starts to look expensive compared to the car&#8217;s value. However, with 55% NCD, the same coverage costs only RM315 \u2014 which is very reasonable.<\/p>\n\n\n\n<p>Because of this, protecting your NCD becomes even more critical as your car ages. Avoid claiming for minor damage. Always calculate whether the claim payout (after excess and betterment) is worth the NCD loss. Check your current NCD at <a href=\"https:\/\/bjak.my\/blog\/car-insurance\/method-on-checking-ncd-in-2026\">the ISM portal<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tips_for_Old_Car_Owners_Renewing_Insurance_in_2026\"><\/span>Tips for Old Car Owners Renewing Insurance in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here are practical recommendations for getting the best insurance deal on an older vehicle:<\/p>\n\n\n\n<p><strong>1. Compare quotes from multiple insurers.<\/strong> Under de-tariffication, pricing varies a lot. Some insurers are more competitive for older vehicles than others. Use Bjak to compare.<\/p>\n\n\n\n<p><strong>2. Consider agreed value.<\/strong> If your car is well-maintained and you want certainty about the payout in case of total loss, opt for agreed value over market value.<\/p>\n\n\n\n<p><strong>3. Protect your NCD at all costs.<\/strong> Don&#8217;t claim for minor damage. The premium increase from losing your NCD almost always exceeds the claim benefit on an older car.<\/p>\n\n\n\n<p><strong>4. Review your coverage type.<\/strong> Assess whether comprehensive still makes sense based on your car&#8217;s value, your NCD, and the annual premium. For very low-value cars, TPFT may be the smarter choice.<\/p>\n\n\n\n<p><strong>5. Understand betterment.<\/strong> Know that claim payouts on older cars will face betterment deductions. Factor this into your decision when considering whether to claim.<\/p>\n\n\n\n<p><strong>6. Check parts availability.<\/strong> If your car model has been discontinued, research whether parts are still available. This affects both repair costs and the insurer&#8217;s willingness to offer coverage.<\/p>\n\n\n\n<p><strong>7. Maintain your car well.<\/strong> Regular servicing and maintenance keep your car safe. They also make it easier to insure. Some insurers may request an inspection for older vehicles before offering coverage.<\/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. Does car insurance cost more for older cars in Malaysia?<\/strong><\/p>\n\n\n\n<p>The base premium is usually lower because the sum insured (market value) is lower. However, after factoring in betterment deductions and potential premium loading for higher repair risk, the effective cost relative to the car&#8217;s value can be higher for old cars.<\/p>\n\n\n\n<p><strong>2. What is betterment in car insurance claims?<\/strong><\/p>\n\n\n\n<p>Betterment is a deduction the insurer applies when new parts replace old parts during a repair. The insurer reduces the claim payout because the new parts improve the vehicle beyond its pre-accident condition. Deductions of 20-50% are common for cars over 10 years old.<\/p>\n\n\n\n<p><strong>3. Should I switch from comprehensive to third-party insurance for my old car?<\/strong><\/p>\n\n\n\n<p>Consider switching when your car&#8217;s market value drops below RM10,000-RM15,000 and the annual comprehensive premium represents a significant percentage of the car&#8217;s total value. Third-party fire and theft (TPFT) still provides theft and fire protection at a lower cost.<\/p>\n\n\n\n<p><strong>4. Does my NCD still apply to old car insurance?<\/strong><\/p>\n\n\n\n<p>Yes. NCD applies regardless of your car&#8217;s age. In fact, NCD becomes proportionally more important for old cars because the base premium is lower. The percentage discount has an even bigger impact on what you actually pay.<\/p>\n\n\n\n<p><strong>5. Can insurers refuse to insure my old car?<\/strong><\/p>\n\n\n\n<p>Insurers don&#8217;t have to offer comprehensive coverage for any vehicle. Some may decline very old cars (typically 15+ years) or may require a vehicle inspection before offering a quote. However, third-party coverage is generally available for all registered vehicles as required by <a href=\"https:\/\/www.jpj.gov.my\">JPJ<\/a> regulations.<\/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>Renewing insurance for old cars in Malaysia in 2026 takes more thought than simply accepting the same coverage year after year. As your car ages, the balance between premium cost, claim value, and betterment deductions shifts. Protect your NCD, consider agreed value, and evaluate whether comprehensive coverage still makes financial sense for your vehicle. Compare quotes on Bjak every year \u2014 because under de-tariffication, the best deal for your old car may come from a different insurer than last year. The goal isn&#8217;t just to insure your car. It&#8217;s to insure it smartly.<\/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=renewing-insurance-for-old-cars-malaysia-2026--what-changes\" 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>Own a car that&#8217;s 10 years or older? Insurance renewal in Malaysia changes significantly for older vehicles. This guide covers what to expect in 2026 and how to save.<\/p>\n","protected":false},"author":31,"featured_media":60177,"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":[429,59,3552,2913],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Renewing Insurance for Old Cars Malaysia 2026 \u2014 What Changes | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Renewing Insurance for Old Cars Malaysia 2026 \u2014 What Changes and How To Ensure Valid Coverage\" \/>\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\/renewing-insurance-for-old-cars-malaysia-2026-what-changes\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Renewing Insurance for Old Cars Malaysia 2026 \u2014 What Changes | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Renewing Insurance for Old Cars Malaysia 2026 \u2014 What Changes and How To Ensure Valid Coverage\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/renewing-insurance-for-old-cars-malaysia-2026-what-changes\" \/>\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=\"2026-05-25T08:29:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-25T08:30:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/NCD-Gap-Period-Rules-Malaysia-\u2014-How-Long-Before-You-Lose-It.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=\"9 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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