{"id":61092,"date":"2026-08-25T18:49:31","date_gmt":"2026-08-25T10:49:31","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=61092"},"modified":"2026-08-25T18:49:34","modified_gmt":"2026-08-25T10:49:34","slug":"p-licence-car-insurance-in-malaysia-new-driver-guide","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/p-licence-car-insurance-in-malaysia-new-driver-guide","title":{"rendered":"P Licence Car Insurance in Malaysia: New Driver Guide"},"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-6a8d7acd54b07\" 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-6a8d7acd54b07\"><\/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\/p-licence-car-insurance-in-malaysia-new-driver-guide\/#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\/p-licence-car-insurance-in-malaysia-new-driver-guide\/#Do_L_and_P_Drivers_Need_Their_Own_Insurance\" title=\"Do L and P Drivers Need Their Own Insurance?\">Do L and P Drivers Need Their Own Insurance?<\/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\/p-licence-car-insurance-in-malaysia-new-driver-guide\/#Why_Are_Premiums_Higher_for_New_Drivers\" title=\"Why Are Premiums Higher for New Drivers\">Why Are Premiums Higher for New Drivers<\/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\/p-licence-car-insurance-in-malaysia-new-driver-guide\/#What_P_Licence_Car_Insurance_Coverage_Should_You_Choose\" title=\"What P Licence Car Insurance Coverage Should You Choose?\">What P Licence Car Insurance Coverage Should You Choose?<\/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\/p-licence-car-insurance-in-malaysia-new-driver-guide\/#How_to_Keep_Costs_Manageable\" title=\"How to Keep Costs Manageable\">How to Keep Costs Manageable<\/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\/p-licence-car-insurance-in-malaysia-new-driver-guide\/#Quick_Comparison_Comprehensive_vs_Third_Party\" title=\"Quick Comparison: Comprehensive vs Third Party\">Quick Comparison: Comprehensive vs Third Party<\/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\/p-licence-car-insurance-in-malaysia-new-driver-guide\/#How_This_Affects_You\" title=\"How This Affects You\">How This Affects You<\/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\/p-licence-car-insurance-in-malaysia-new-driver-guide\/#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-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/p-licence-car-insurance-in-malaysia-new-driver-guide\/#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-10\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/p-licence-car-insurance-in-malaysia-new-driver-guide\/#How_Bjak_Helps_You\" title=\"How Bjak Helps You\">How Bjak Helps You<\/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\/p-licence-car-insurance-in-malaysia-new-driver-guide\/#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><strong>P licence car insurance in Malaysia<\/strong> can cost more for new drivers because insurers may consider limited driving experience when assessing risk. This guide explains what L and P licence holders should know about coverage, premiums, NCD and ways to reduce renewal costs.<\/p>\n\n\n\n<p>Therefore, this guide breaks down exactly what new drivers in Malaysia should expect. Furthermore, it explains Why Are Premiums Higher at first and how you can get covered without overpaying. With Bjak, you can also handle your online renewal and have your road tax delivered together in one seamless flow.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Do_L_and_P_Drivers_Need_Their_Own_Insurance\"><\/span><strong>Do L and P Drivers Need Their Own Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Learner drivers usually drive under close supervision in a car that already has active insurance. Therefore, the vehicle&#8217;s existing policy is what matters most during this learning phase. However, once you hold a P licence and start driving your own or the family car regularly, being a named driver or the policyholder becomes highly important.<\/p>\n\n\n\n<p>If you are going to be listed as a regular driver on a policy, the insurer needs to know. Failing to declare a young or new driver can negatively affect a claim later. Consequently, you must always be upfront and honest about who is driving the vehicle.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Why_Are_Premiums_Higher_for_New_Drivers\"><\/span><strong>Why Are Premiums Higher for New Drivers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurers calculate prices strictly based on risk. Statistically, newer drivers have less on-road experience and a significantly higher chance of being involved in accidents. That is exactly why premiums for young or newly licensed drivers tend to be higher in the early years.<\/p>\n\n\n\n<p>The good news is that this expensive phase is not permanent. As you build a clean driving record and earn your No Claim Discount (NCD), your premium comes down year after year. Therefore, the key is to drive safely and avoid unnecessary claims early on.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_P_Licence_Car_Insurance_Coverage_Should_You_Choose\"><\/span><strong>What P Licence Car Insurance Coverage Should You Choose?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Comprehensive coverage is usually the smartest choice for new drivers. It protects your own car as well as third-party vehicles. This matters most when you are still building driving experience and minor mistakes are more likely to happen.<\/p>\n\n\n\n<p>On the other hand, Third-Party Only or Third-Party, Fire and Theft policies cost much less. However, they leave your own vehicle completely unprotected in a crash. For a new driver, the extra protection of a comprehensive plan is often well worth the extra cost.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_to_Keep_Costs_Manageable\"><\/span><strong>How to Keep Costs Manageable<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Always compare quotes before you commit to a policy. Prices vary a lot between insurers, so getting several quotes can actively save you real money. You can also consider setting a slightly higher voluntary excess to lower the premium safely.<\/p>\n\n\n\n<p>Additionally, make sure your car&#8217;s sum insured is set at the accurate market value, not too high. On <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=p-licence-car-insurance-in-malaysia-new-driver-guide\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a>, you can compare quotes from more than 10 insurers instantly. Consequently, a new driver can easily find a fair price without visiting multiple physical counters.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Quick_Comparison_Comprehensive_vs_Third_Party\"><\/span><strong>Quick Comparison: Comprehensive vs Third Party<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Aspect<\/strong><\/td><td><strong>Comprehensive Coverage<\/strong><\/td><td><strong>Third Party Coverage<\/strong><\/td><\/tr><tr><td><strong>Own Car Damage<\/strong><\/td><td>Covered<\/td><td>Not covered<\/td><\/tr><tr><td><strong>Third Party Injury\/Damage<\/strong><\/td><td>Covered<\/td><td>Covered<\/td><\/tr><tr><td><strong>Theft &amp; Fire<\/strong><\/td><td>Covered<\/td><td>Only if you add Fire &amp; Theft<\/td><\/tr><tr><td><strong>Premium Cost<\/strong><\/td><td>Higher<\/td><td>Lower<\/td><\/tr><tr><td><strong>Best Suited For<\/strong><\/td><td>Most new and inexperienced drivers<\/td><td>Older, low-value cars<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_This_Affects_You\"><\/span><strong>How This Affects You<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As an L or P driver, your early choices actively shape your future costs. Choosing the right coverage and driving carefully to protect your NCD means enjoying much lower premiums down the line.<\/p>\n\n\n\n<p>Combining your online renewal with road tax delivery through Bjak also removes the hassle of visiting counters. Ultimately, this makes life easier while you are still getting used to vehicle ownership paperwork.<\/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>Do I pay more just because I have a P licence?<\/strong><\/li><li>Often, yes. This is because insurers see new drivers as a higher risk group. However, your premium will naturally drop as you build a clean record and earn your NCD.<br><\/li><li><strong>Should a new driver get comprehensive cover?<\/strong><\/li><li>In most cases, yes. Comprehensive insurance protects your own car too, which is incredibly valuable when you are still gaining driving experience.<br><\/li><li><strong>Can I renew insurance and road tax online as a new driver?<\/strong><\/li><li>Yes, absolutely. Bjak lets you renew your policy online and have your road tax delivered directly to you, so you do not need to visit a counter.<\/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>To understand how your discount grows, read our guide on<a href=\"https:\/\/bjak.my\/blog\/car-insurance\/method-on-checking-ncd-in-2026\" target=\"_blank\" rel=\"noreferrer noopener\"> how NCD works in Malaysia<\/a> and how many years it takes to reach 55%. If you are choosing coverage for the very first time, our explainer on<a href=\"https:\/\/bjak.my\/blog\/car-insurance\/comparing-quotes-from-10-insurers-how-bjak-works\" target=\"_blank\" rel=\"noreferrer noopener\"> comparing quotes from 10+ insurers<\/a> will help you find a fair price quickly.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_Bjak_Helps_You\"><\/span><strong>How Bjak Helps You<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bjak is highly ideal for new drivers because it compares quotes from more than 10 insurers in one convenient place. Consequently, you can clearly see a fair price instead of blindly accepting the very first offer.<\/p>\n\n\n\n<p>The combined online renewal and road tax delivery service means you can sort everything out from home in one sitting. Furthermore, Bjak sends free renewal and road tax reminders by email, SMS, and app notifications. For a new driver still learning the ropes, that means you will never accidentally drive with expired cover.<\/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>In conclusion, <strong>insurance for learner and P-license drivers<\/strong> may start out pricier, but it does not have to be a permanent burden. With the right comprehensive coverage, safe driving habits, and smart comparison strategies, costs will come down quickly.<\/p>\n\n\n\n<p>Always compare quotes to ensure you are getting the best value for your money. Compare top quotes and renew your car insurance completely online today on <strong><a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=p-licence-car-insurance-in-malaysia-new-driver-guide\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a><\/strong>!<\/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=p-licence-car-insurance-in-malaysia-new-driver-guide\" 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\/life-and-medical-insurance\/mediasas-job-loss-how-to-keep-your-medical-coverage\">MediAsas Job Loss: How to Keep Your Medical Coverage<\/a><br><a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-hilang-pekerjaan-perlindungan-perubatan-kekal-aktif\">MediAsas Hilang Pekerjaan: Perlindungan Perubatan Kekal Aktif<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/renew-car-insurance-and-road-tax-in-one-sitting-bjak-guide\">Renew Car Insurance and Road Tax in One Sitting: Bjak Guide<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>New to the road on an L or P licence? Here is what you must expect from car insurance in Malaysia, from higher premium rates to smart ways to keep your costs down.<\/p>\n","protected":false},"author":39,"featured_media":61093,"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>P Licence Car Insurance in Malaysia: New Driver Guide | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: P Licence Car Insurance in Malaysia: New Driver Guide Learn about P licence car insurance in Malaysia, including coverage, premiums, NCD and ways to save on renewal costs\" \/>\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\/p-licence-car-insurance-in-malaysia-new-driver-guide\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"P Licence Car Insurance in Malaysia: New Driver Guide | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: P Licence Car Insurance in Malaysia: New Driver Guide Learn about P licence car insurance in Malaysia, including coverage, premiums, NCD and ways to save on renewal costs\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/p-licence-car-insurance-in-malaysia-new-driver-guide\" \/>\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=\"2026-08-25T10:49:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-25T10:49:34+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/08\/Insurance-for-Learner-L-P-License-Drivers-in-Malaysia-\u2014-What-to-Expect.webp?fit=1080%2C683&amp;ssl=1\" \/>\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=\"5 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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