{"id":60728,"date":"2026-07-23T15:51:58","date_gmt":"2026-07-23T07:51:58","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=60728"},"modified":"2026-07-23T16:23:03","modified_gmt":"2026-07-23T08:23:03","slug":"insurance-myths-busted-10-things-malaysian-drivers-get-wrong","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong","title":{"rendered":"Car Insurance Myths Malaysia \u2014 10 Things Drivers Get Wrong"},"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-6a622999e48c5\" 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-6a622999e48c5\"><\/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\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#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\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#The_Top_10_Car_Insurance_Myths_Busted\" title=\"The Top 10 Car Insurance Myths Busted\">The Top 10 Car Insurance Myths Busted<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#Myth_1_Third-Party_Insurance_Is_Always_Cheaper_and_Good_Enough\" title=\"Myth 1: Third-Party Insurance Is Always Cheaper and Good Enough\">Myth 1: Third-Party Insurance Is Always Cheaper and Good Enough<\/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\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#Myth_2_NCD_Will_Be_Lost_If_You_Switch_Insurers\" title=\"Myth 2: NCD Will Be Lost If You Switch Insurers\">Myth 2: NCD Will Be Lost If You Switch Insurers<\/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\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#Myth_3_Comprehensive_Insurance_Covers_Absolutely_Everything\" title=\"Myth 3: Comprehensive Insurance Covers Absolutely Everything\">Myth 3: Comprehensive Insurance Covers Absolutely Everything<\/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\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#Myth_4_NCD_Can_Be_Shared_With_Family_Members\" title=\"Myth 4: NCD Can Be Shared With Family Members\">Myth 4: NCD Can Be Shared With Family Members<\/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\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#Myth_5_Small_Claims_Won%E2%80%99t_Affect_Your_NCD\" title=\"Myth 5: Small Claims Won&#8217;t Affect Your NCD\">Myth 5: Small Claims Won&#8217;t Affect Your NCD<\/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\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#Myth_6_Takaful_Insurance_is_Only_for_Muslims\" title=\"Myth 6: Takaful Insurance is Only for Muslims\">Myth 6: Takaful Insurance is Only for Muslims<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#Myth_7_All_Insurance_Companies_Charge_the_Exact_Same_Price\" title=\"Myth 7: All Insurance Companies Charge the Exact Same Price\">Myth 7: All Insurance Companies Charge the Exact Same Price<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#Myth_8_Over-Insuring_Gets_You_a_Bigger_Payout\" title=\"Myth 8: Over-Insuring Gets You a Bigger Payout\">Myth 8: Over-Insuring Gets You a Bigger Payout<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#Myth_9_Comprehensive_Insurance_Pays_for_Your_Personal_Injuries\" title=\"Myth 9: Comprehensive Insurance Pays for Your Personal Injuries\">Myth 9: Comprehensive Insurance Pays for Your Personal Injuries<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#Myth_10_Older_Cars_Can_Only_Get_Third-Party_Insurance\" title=\"Myth 10: Older Cars Can Only Get Third-Party Insurance\">Myth 10: Older Cars Can Only Get Third-Party Insurance<\/a><\/li><\/ul><\/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\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#Frequently_Asked_Questions_FAQ\" title=\"Frequently Asked Questions (FAQ)\">Frequently Asked Questions (FAQ)<\/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\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#Related_Bjak_Guides\" title=\"Related Bjak Guides\">Related Bjak Guides<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#How_Bjak_Helps\" title=\"How Bjak Helps\">How Bjak Helps<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Car insurance in Malaysia is full of myths that have been passed down for years. From misunderstandings about the No Claim Discount (NCD) to confusion over policy coverages, these misconceptions can lead drivers to make costly mistakes when renewing their policy.<\/p>\n\n\n\n<p>In this article, we bust the 10 most common <strong>car insurance myths in Malaysia<\/strong> and reveal the absolute truth behind them. Do not let these rumors cost you extra money or leave you under-protected on the road!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"The_Top_10_Car_Insurance_Myths_Busted\"><\/span><strong>The Top 10 Car Insurance Myths Busted<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_1_Third-Party_Insurance_Is_Always_Cheaper_and_Good_Enough\"><\/span><strong>Myth 1: Third-Party Insurance Is Always Cheaper and Good Enough<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>The Truth:<\/strong> While third-party policies are cheaper upfront, they only cover damage to <em>other<\/em> people&#8217;s vehicles and property. If your car is damaged in an accident or stolen, you have to pay for all repairs yourself. For most drivers, this is a massive financial risk. Learn more about the <a href=\"https:\/\/bjak.my\/blog\/car-insurance\/third-party-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">pros &amp; cons of third-party insurance<\/a>.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_2_NCD_Will_Be_Lost_If_You_Switch_Insurers\"><\/span><strong>Myth 2: NCD Will Be Lost If You Switch Insurers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>The Truth:<\/strong> Your NCD is tied to you (your IC number), not your insurance company! Your NCD is fully protected when you switch insurers to get a better price, as long as there is no gap in your coverage and you have a valid No Claim Certificate. You can safely compare and switch providers every year to save money.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_3_Comprehensive_Insurance_Covers_Absolutely_Everything\"><\/span><strong>Myth 3: Comprehensive Insurance Covers Absolutely Everything<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>The Truth:<\/strong> Comprehensive cover is extensive, but it still has exclusions. It does not cover wear and tear, illegal modifications, or accidents caused by driving under the influence. Most importantly, it does not automatically cover flood damage unless you purchase a Special Perils add-on. Read more about having <a href=\"https:\/\/bjak.my\/blog\/featured\/comprehensive-car-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">comprehensive insurance explained<\/a>.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_4_NCD_Can_Be_Shared_With_Family_Members\"><\/span><strong>Myth 4: NCD Can Be Shared With Family Members<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>The Truth:<\/strong> NCD is strictly individual-specific. You cannot transfer or share your NCD with your spouse, children, or siblings, even if they drive your car. However, you can transfer your NCD to another vehicle as long as that vehicle is registered under your own name.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_5_Small_Claims_Won%E2%80%99t_Affect_Your_NCD\"><\/span><strong>Myth 5: Small Claims Won&#8217;t Affect Your NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>The Truth:<\/strong> Any Own Damage claim or &#8220;at-fault&#8221; claim will instantly reset your hard-earned NCD to 0%. The only exception is if you make a claim strictly for windscreen damage, provided you purchased the specific windscreen add-on beforehand.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_6_Takaful_Insurance_is_Only_for_Muslims\"><\/span><strong>Myth 6: Takaful Insurance is Only for Muslims<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>The Truth:<\/strong> Takaful (Islamic insurance) is open to everyone, regardless of religion or race. It operates on mutual cooperation, risk-sharing, and Shariah-compliant funds. Many non-Muslims choose Takaful because of its transparent profit-sharing (hibah) features.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_7_All_Insurance_Companies_Charge_the_Exact_Same_Price\"><\/span><strong>Myth 7: All Insurance Companies Charge the Exact Same Price<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>The Truth:<\/strong> Following the motor tariff liberalization (de-tariffication) by Bank Negara Malaysia, prices are no longer fixed. Each insurer uses its own risk formula. The price for the exact same car can differ by hundreds of ringgit depending on which company you choose. This is why comparing quotes is essential!<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_8_Over-Insuring_Gets_You_a_Bigger_Payout\"><\/span><strong>Myth 8: Over-Insuring Gets You a Bigger Payout<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>The Truth:<\/strong> You cannot insure your car for RM100,000 if its market value is only RM60,000. In the event of a total loss or theft, insurers will only pay up to the actual market value (or agreed value) at the time of the claim. Over-insuring just means you are wasting money on higher premiums.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_9_Comprehensive_Insurance_Pays_for_Your_Personal_Injuries\"><\/span><strong>Myth 9: Comprehensive Insurance Pays for Your Personal Injuries<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>The Truth:<\/strong> Comprehensive car insurance primarily focuses on vehicle damage. It does not automatically cover your medical expenses or provide personal injury compensation for you or your passengers. To get this, you need a Personal Accident (PA) add-on or Medical Liability coverage.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_10_Older_Cars_Can_Only_Get_Third-Party_Insurance\"><\/span><strong>Myth 10: Older Cars Can Only Get Third-Party Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>The Truth:<\/strong> While some insurers hesitate to offer comprehensive coverage for cars older than 15 years, it is not impossible. Many companies will still approve comprehensive or at least Third-Party, Fire &amp; Theft (TPFT) policies depending on the car&#8217;s condition. You just need to shop around.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQ\"><\/span><strong>Frequently Asked Questions (FAQ)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Is it true that I lose NCD if I make a claim?<\/strong><br>Only if you are at fault. If the other party is at fault (and the police report confirms it), you can make a No-Fault Own Damage (NFOD) claim, and your NCD is completely protected.<\/li><li><strong>Does comprehensive insurance cover flood damage?<\/strong><br>No, not automatically. It only covers floods if you have added the Special Perils or Flood Add-On to your policy during renewal.<\/li><li><strong>Can I insure my car for more than its market value?<\/strong><br>No. Insurers will only pay up to the market value at the time of the claim. Always insure your car accurately to avoid overpaying.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Related_Bjak_Guides\"><\/span><strong>Related Bjak Guides<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For more context on navigating your policy correctly, dive into our <a href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-in-malaysia-common-myths-facts-about-car-insurance-discounts\" target=\"_blank\" rel=\"noreferrer noopener\">guide to NCD rates<\/a>, explore the <a href=\"https:\/\/bjak.my\/blog\/car-insurance\/third-party-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">pros &amp; cons of third-party insurance<\/a>, and get <a href=\"https:\/\/bjak.my\/blog\/featured\/comprehensive-car-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">comprehensive insurance explained<\/a> in full detail.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_Bjak_Helps\"><\/span><strong>How Bjak Helps<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bjak makes it incredibly easy to compare real quotes from over 10 top insurers simultaneously. This allows you to see the actual price difference between third-party and comprehensive plans across the market.<\/p>\n\n\n\n<p>With full transparency, you can add necessary add-ons, view your accurate NCD, and renew online in minutes without any hidden fees.<\/p>\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>Don&#8217;t let these common <strong>car insurance myths in Malaysia<\/strong> cost you money or leave you under-protected. Always verify the facts before renewing your car insurance.<\/p>\n\n\n\n<p>Compare quotes and renew in minutes on <strong><a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=insurance-myths-busted--10-things-malaysian-drivers-get-wrong\" target=\"_blank\" rel=\"noreferrer noopener\">bjak.my<\/a><\/strong> \u2014 the simplest, smartest way to stay covered at the best price possible!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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=insurance-myths-busted--10-things-malaysian-drivers-get-wrong\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p><br>Also Read:<br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/proton-s70-road-tax-and-insurance-price-in-malaysia-2026\">Proton S70 Road Tax and Insurance Price in Malaysia (2026)<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/proton-persona-road-tax-and-insurance-price-in-malaysia-2026\">Proton Persona Road Tax and Insurance Price in Malaysia (2026)<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/road-tax-price-in-malaysia-2026-full-price-list-by-engine-cc\">Road Tax Price in Malaysia 2026 \u2014 Full Price List by Engine CC<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many Malaysian drivers believe outdated or incorrect information about car insurance. Here are 10 common myths \u2014 and the real facts.<\/p>\n","protected":false},"author":39,"featured_media":60729,"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":[429,59,436],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Insurance Myths Malaysia \u2014 10 Things Drivers Get Wrong | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Car Insurance Myths Malaysia \u2014 10 Things Drivers Get Wrong 10 common car insurance myths in Malaysia busted. 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