{"id":6432,"date":"2021-10-28T12:38:13","date_gmt":"2021-10-28T04:38:13","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=6432"},"modified":"2025-09-12T17:22:45","modified_gmt":"2025-09-12T09:22:45","slug":"things-to-know-before-buying-car-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/things-to-know-before-buying-car-insurance","title":{"rendered":"Things To Know Before Buying Car Insurance"},"content":{"rendered":"\n<p>As a car owner, you might have already heard that the Transport Ministry has extended the moratorium to renew road tax to 31 December 2021. But how about car insurance? You must still renew your insurance and keep it active at all times!<\/p>\n\n\n\n<p>Is your car insurance expiring? Before you renew it, here are things to know before buying car insurance.&nbsp;<\/p>\n\n\n\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-69d7678fcee23\" 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-69d7678fcee23\"><\/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\/things-to-know-before-buying-car-insurance\/#Types_of_motor_insurance\" title=\"Types of motor insurance\">Types of motor insurance<\/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\/things-to-know-before-buying-car-insurance\/#Should_you_renew_your_insurance_before_road_tax\" title=\"Should you renew your insurance before road tax?\">Should you renew your insurance before road tax?<\/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\/things-to-know-before-buying-car-insurance\/#When_should_you_renew_car_insurance\" title=\"When should you renew car insurance?\">When should you renew car insurance?<\/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\/things-to-know-before-buying-car-insurance\/#Can_you_change_your_car_insurance_company\" title=\"Can you change your car insurance company?\">Can you change your car insurance company?<\/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\/things-to-know-before-buying-car-insurance\/#What_are_the_documents_required_for_insurance\" title=\"What are the documents required for insurance?\">What are the documents required for insurance?<\/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\/things-to-know-before-buying-car-insurance\/#Sum_insured_Is_the_agreed_value_or_market_value_better\" title=\"Sum insured: Is the agreed value or market value better?\">Sum insured: Is the agreed value or market value better?<\/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\/things-to-know-before-buying-car-insurance\/#What_is_your_NCD_rate\" title=\"What is your NCD rate?\">What is your NCD rate?<\/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\/things-to-know-before-buying-car-insurance\/#When_should_you_renew_the_road_tax\" title=\"When should you renew the road tax?\">When should you renew the road tax?<\/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\/things-to-know-before-buying-car-insurance\/#Renew_car_insurance_at_Bjak\" title=\"Renew car insurance at Bjak\">Renew car insurance at Bjak<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Types_of_motor_insurance\"><\/span>Types of motor insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In Malaysia, there are 3 types of motor insurance for you to choose which are<strong> (1) <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/#Comprehensive_insurance\">Comprehensive Insurance<\/a><\/strong>, <strong>(2) Third Party, Fire and Theft Insurance<\/strong>, and <strong>(3) Third Party Insurance<\/strong>. As you would most probably know, it\u2019s mandatory for car owners to have <em>at least<\/em> Third Party Insurance.&nbsp;<\/p>\n\n\n\n<p>The visual below gives you an overview of the coverage of the different types of <a href=\"https:\/\/bjak.my\/en\">motor insurance<\/a>. Ensure that you choose the right insurance type for your car to enjoy sufficient coverage.&nbsp;Not sure which is suitable for your car? Read our article to understand the different types of car insurance.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6434\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/things-to-know-before-buying-car-insurance\/attachment\/211008_bjakblog_adilah_eng_a5-01-03\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"211008_BjakBlog_Adilah_ENG_A5-01-03\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Types of motor insurance\" class=\"wp-image-6434\" title=\"Types of motor insurance\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Types of motor insurance in Malaysia<\/figcaption><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Should_you_renew_your_insurance_before_road_tax\"><\/span>Should you renew your insurance before road tax?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You must renew your insurance before you can renew your road tax. <\/p>\n\n\n\n<p>If you find it a hassle to leave your house just to renew your insurance and road tax, fret not. Now, <em>almost <\/em>everything &#8211; including insurance and road tax renewal &#8211; can simply be done online. In fact, your road tax can be delivered to your doorstep. Convenient, right?<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6435\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/things-to-know-before-buying-car-insurance\/attachment\/211008_bjakblog_nurul_a1-01-01\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A1-01-01.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"211008_BjakBlog_Nurul_A1-01-01\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A1-01-01.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A1-01-01.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A1-01-01-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Road tax can only be renewed  after you renew your car insurance\" class=\"wp-image-6435\" title=\"Road tax can only be renewed  after you renew your car insurance\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A1-01-01.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A1-01-01.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A1-01-01.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A1-01-01.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A1-01-01.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Road tax can only be renewed after you renew your insurance<\/figcaption><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"When_should_you_renew_car_insurance\"><\/span>When should you renew car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can choose to renew your insurance anytime before its expiry date. But you\u2019re highly encouraged to renew your insurance two months before its expiry date.&nbsp;<\/p>\n\n\n\n<p>For instance, your insurance is expiring on 31 December 2021. You can renew it two months earlier that is on 31 October 2021. Don\u2019t worry, the insurance will only take effect beginning 1 January 2022. So you won\u2019t lose any money or miss your insurance renewal.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Can_you_change_your_car_insurance_company\"><\/span>Can you change your car insurance company?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yes, you can change your insurance provider. Shop around and compare benefits including complimentary coverage as well as premiums offered by different insurers before buying car insurance.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_documents_required_for_insurance\"><\/span>What are the documents required for insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can choose to renew your car insurance either online or offline. For online renewal, you simply need to key in your vehicle registration number and a few other particulars, and get quotations! You don&#8217;t need to submit any documents.<\/p>\n\n\n\n<p>If you choose to renew your insurance offline through any registered insurance agent, you may have to submit a few documents such as your existing insurance policy and vehicle ownership certificate (VOC).<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Sum_insured_Is_the_agreed_value_or_market_value_better\"><\/span>Sum insured: Is the agreed value or market value better?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For your car\u2019s sum insured, you can choose either the agreed value or the market value of your car. What is the difference between agreed value and market value?<\/p>\n\n\n\n<p><strong>Agreed value<\/strong> is the amount agreed by the insurance provider and policyholder for the insured car based on the car model, year and other underwriting requirements. Meanwhile,<strong> market value<\/strong> is the current value of the car in the market.<\/p>\n\n\n\n<p>Say that you choose the agreed value, and your insurance will pay you the exact amount following the agreed value, in the event of theft or total loss. On the other hand, if you choose the market value, your insurance will only pay you an amount following the current market value of your car at the time of theft or total loss. Bear in mind that a vehicle\u2019s market value depreciates about 10-15% every year. See our illustration below for a better picture:<\/p>\n\n\n\n<p>Illustration:<\/p>\n\n\n\n<p>Market value: RM85,000<\/p>\n\n\n\n<p>Agreed value: RM85,000<\/p>\n\n\n\n<p>Imagine that you chose the market value of RM85,000 as the sum insured. As luck would have it, 11 months after renewing your insurance, you ran into a car accident that left your car broken beyond repair. Your insurance paid you only RM70,000 as your car&#8217;s market value has depreciated. Had you chosen the agreed value of also RM85,000, your insurance would have paid you RM85,000, even though your car&#8217;s market value has depreciated to RM70,000.&nbsp;<\/p>\n\n\n\n<p><strong>Should you choose the agreed value or market value?<\/strong><\/p>\n\n\n\n<p>It actually depends on your car itself. Say that your car is brand new and has a high car loan, you may want to consider the agreed value. In the event of theft or total loss, you can at least use the payout to finance your car loan. Your car market value at the time of theft or loss will not affect the payout amount.<\/p>\n\n\n\n<p>But if your car is rather old (say, more than 15 years old) and debt-free, you may consider the market value as the sum insured.&nbsp;But keep in mind that you&#8217;ll get a lower payout according to the market value of your car at the time of theft or loss.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_is_your_NCD_rate\"><\/span>What is your NCD rate?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>What is NCD? No Claim Discount (NCD) is a reward scheme for you if you make no claim on your insurance policy on an annual basis. For a private car, the scale of NCD ranges from 25% to 55%. You can earn NCD by not making any car insurance claims in a year. So keep your car claim-free to enjoy NCD and therefore a lower insurance premium.&nbsp;<\/p>\n\n\n\n<p><strong>How do you get NCD?<\/strong><\/p>\n\n\n\n<p>You will automatically get NCD when you renew your car insurance. As mentioned, your car needs to be claim-free for 12 months in order for you to earn NCD. Keep in mind that you can lose your NCD if you make a car insurance claim. Imagine that you\u2019ve earned 55% of NCD after not making any claim for 6 years. <\/p>\n\n\n\n<p>In your seventh year of driving, unfortunately, you meet with an accident and knock on somebody\u2019s car, so you have to make an insurance claim. You will lose all your NCD and have to pay a higher premium the following year as your NCD is back to 0%.&nbsp;<\/p>\n\n\n\n<p>However, if a third party causes the accident and you\u2019re not at fault, you don&#8217;t have to worry as you\u2019ll get to keep your NCD.&nbsp;For your reference, here are the NCD rates for private cars.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"11767\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/things-to-know-before-buying-car-insurance\/attachment\/211112-bjakblog-adilah-ncd-01-01-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-NCD-01-01-2.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"211112-BjakBlog-Adilah-NCD-01-01-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-NCD-01-01-2.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-NCD-01-01-2.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-NCD-01-01-2.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"NCD rates for private cars\" class=\"wp-image-11767\" title=\"NCD rates for private cars\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-NCD-01-01-2.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-NCD-01-01-2.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-NCD-01-01-2.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-NCD-01-01-2.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-NCD-01-01-2.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"When_should_you_renew_the_road_tax\"><\/span>When should you renew the road tax?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In normal times, you have to renew your road tax at most 7 days after your insurance renewal. You\u2019re highly encouraged to renew your road tax as soon as you renew your insurance. That way, you only have to remember one date to renew both your insurance and road tax.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Renew_car_insurance_at_Bjak\"><\/span>Renew car insurance at Bjak<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It&#8217;s really important for you to be aware of the things about car insurance as we have shared, especially as you have to spend a considerable amount of money to renew your insurance every year. <\/p>\n\n\n\n<p>To help you save your precious money and time, we recommend you use Bjak to renew your car insurance. Why Bjak? You\u2019ll get to compare up to 15 quotes, so you can secure the best car insurance at the best price! Moreover, Bjak can also help you renew your road tax and deliver it right to your doorstep.<\/p>\n\n\n\n<p>Get your <a href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\">car insurance quotes<\/a> online at Bjak today.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em><em><em><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!<\/em><\/em><\/em><\/em><\/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-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=things-to-know-before-buying-car-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get Free Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-windscreen-cracks\/\"><strong><em>Risks Of Driving Your Car With Cracks In Windshield<\/em><\/strong><\/a><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">How To Claim Motorcycle Insurance After An Accident<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/comprehensive-insurance-misunderstandings\/\">Common Misunderstandings About Comprehensive Insurance<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>It&#8217;s mandatory for every car owner in Malaysia to have car insurance. Here are things to know before buying car insurance.\u00a0<\/p>\n","protected":false},"author":5,"featured_media":6249,"comment_status":"closed","ping_status":"open","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],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Things To Know Before Buying Car Insurance | BJAK<\/title>\n<meta name=\"description\" content=\"It&#039;s mandatory for every car owner in Malaysia to have car insurance. 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