{"id":7383,"date":"2021-10-29T09:54:29","date_gmt":"2021-10-29T01:54:29","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=7383"},"modified":"2025-09-12T17:30:52","modified_gmt":"2025-09-12T09:30:52","slug":"is-it-necessary-to-buy-comprehensive-car-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance","title":{"rendered":"Is It Necessary to Buy Comprehensive Car Insurance?"},"content":{"rendered":"\n<p>As an insurance comparison site, we get this question a lot: <em>Should I get comprehensive or just third-party insurance<\/em>? Are you caught in the same dilemma? Breathe easy. Let&#8217;s show you why you need to get comprehensive car insurance.<\/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-69d7818550e6f\" 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-69d7818550e6f\"><\/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\/is-it-necessary-to-buy-comprehensive-car-insurance\/#Understand_the_different_types_of_car_insurance\" title=\"Understand the different types of car insurance\">Understand the different types of car 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\/is-it-necessary-to-buy-comprehensive-car-insurance\/#Why_should_you_get_comprehensive_car_insurance\" title=\"Why should you get comprehensive car insurance?\">Why should you get comprehensive car insurance?<\/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\/is-it-necessary-to-buy-comprehensive-car-insurance\/#Own_damage_claim\" title=\"Own damage claim\">Own damage claim<\/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\/is-it-necessary-to-buy-comprehensive-car-insurance\/#Free_towing\" title=\"Free towing\">Free towing<\/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\/is-it-necessary-to-buy-comprehensive-car-insurance\/#Free_roadside_assistance\" title=\"Free roadside assistance\">Free roadside assistance<\/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\/is-it-necessary-to-buy-comprehensive-car-insurance\/#Windscreen_claim\" title=\"Windscreen claim\">Windscreen claim<\/a><\/li><\/ul><\/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\/is-it-necessary-to-buy-comprehensive-car-insurance\/#Comprehensive_insurance_is_limited_to_car_age\" title=\"Comprehensive insurance is limited to car age\">Comprehensive insurance is limited to car age<\/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\/is-it-necessary-to-buy-comprehensive-car-insurance\/#Get_comprehensive_car_insurance_at_Bjak\" title=\"Get comprehensive car insurance at Bjak\">Get comprehensive car insurance at Bjak<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Understand_the_different_types_of_car_insurance\"><\/span>Understand the different types of car insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Before you decide on any insurance, it only makes sense if you first understand how each car insurance type works. Let&#8217;s take a look at the 3 types of <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/\">car insurance<\/a> available in Malaysia.<\/p>\n\n\n\n<ol><li>Comprehensive Insurance (also known as First Party Insurance)<\/li><li>Third Party, Fire &amp; Theft Insurance<\/li><li>Third-Party Insurance<\/li><\/ol>\n\n\n\n<p>For easier understanding, refer to our visual below for the different coverage offered by each insurance type.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"7389\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance\/attachment\/211008_bjakblog_adilah_eng_a5-01-03-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03-1.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_A5-01-03-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03-1.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03-1.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_A5-01-03-1-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Types of car insurance in Malaysia\" class=\"wp-image-7389\" title=\"Types of car insurance in Malaysia\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03-1.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03-1.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03-1.png?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=\"Why_should_you_get_comprehensive_car_insurance\"><\/span>Why should you get comprehensive car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Based on the function of the different types of car insurance, we are going to share four key reasons why buying <a href=\"https:\/\/bjak.my\/blog\/comprehensive-car-insurance\/\">comprehensive insurance<\/a> is a smarter choice.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Own_damage_claim\"><\/span><strong>Own damage claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When you get comprehensive car insurance, it will cover you, your car and the third party and their car in the event of a car accident fire, theft, damage and loss. Even when you are at fault, you can make an insurance claim called &#8220;Own Damage (OD)&#8221; claim. Let&#8217;s see how your insurance claim can help you with your own damage claim.<\/p>\n\n\n\n<p><strong>1. Your comprehensive insurance will cover the repair cost<\/strong><\/p>\n\n\n\n<p>Say that you accidentally hit a car in front of you, you can make an insurance claim, though you are at fault. Your insurance will cover the repair cost, so you won&#8217;t have to worry about it.<\/p>\n\n\n\n<p>In contrast, if you choose a third-party, fire and theft insurance, or third-party insurance, you will not enjoy this coverage. So you will have to pay the repair cost out of your own pocket. <\/p>\n\n\n\n<p>Without comprehensive insurance, can you afford the repair cost? What if it costs you more than what you have?<\/p>\n\n\n\n<p><strong>2. Your comprehensive insurance will compensate you if your car is a<\/strong> <strong>total loss<\/strong><\/p>\n\n\n\n<p>Say that you badly hit a car that damages both, your car and the third party&#8217;s car, you can also make an insurance claim even when you are at fault. As your car is totally wrecked, an insurance adjuster determines your car is a total loss. What will happen then? Your insurance will compensate you either according to the market value or the agreed value of your car. <\/p>\n\n\n\n<p>On the other hand, if you purchase third-party, fire and theft insurance, or third-party insurance, you won&#8217;t get any compensation from your insurance if your car is deemed a total loss, caused by your own car. <\/p>\n\n\n\n<p>Imagine that you haven&#8217;t paid off your car loan, would you have enough to pay for the remaining loan amount? <\/p>\n\n\n\n<p>If you purchase comprehensive insurance, you will have lesser things to worry about if you meet with an accident especially where you are at fault. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-attachment-id=\"6049\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-anda-perlu-beli-insurans-kereta-1st-party\/attachment\/211008_bjakblog_adilah_a9-01-02\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-02.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_A9-01-02\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-02.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-02.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-02-1024x1024.png?resize=840%2C840&#038;ssl=1\" alt=\"Comprehensive insurance covers own damage claim \" class=\"wp-image-6049\" width=\"840\" height=\"840\" title=\"Comprehensive insurance covers own damage claim \" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-02.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-02.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-02.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-02.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-02.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 840px) 100vw, 840px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Free_towing\"><\/span><strong>Free towing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Most if not all insurers offer free towing to their comprehensive insurance policyholders. For example, if your car breaks down on the highway, you won&#8217;t have to call any workshops to tow your car. Simply pick up your phone and dial the number of your insurance auto assistance. <\/p>\n\n\n\n<p>Imagine that your car breaks down on the road after midnight. Getting a tow truck to tow your car can cost you hundreds of Ringgit even for a short distance. For instance, there was this car driver who complained that when his car broke down after one midnight, he was charged a whopping RM800 for a towing distance of less than 3km! <\/p>\n\n\n\n<p>If you own comprehensive insurance, you can save a lot of money if your car breaks down and needs to be towed to a workshop.<\/p>\n\n\n\n<p>But do pay attention to the towing distance covered by different insurers. Insurers may cap their free towing service to a certain distance or amount. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6820\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-anda-perlu-beli-insurans-kereta-1st-party\/attachment\/211008_bjakblog_adilah_a9-01-03-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-03-1.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_A9-01-03-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-03-1.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-03-1.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-03-1-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Comprehensive insurance provides free towing\" class=\"wp-image-6820\" title=\"Boleh dapat khidmat tunda percuma jika memiliki insurans komprehensif\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-03-1.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-03-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-03-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-03-1.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-03-1.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Free_roadside_assistance\"><\/span><strong>Free roadside assistance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Other than free towing for breakdowns or accidents, you can also enjoy free roadside assistance, with comprehensive insurance. Some of the roadside assistance you can get includes jump start, battery replacement, tyre replacement, fuel refill when your car is out of fuel, and minor wiring or repair to mobilize your car.<\/p>\n\n\n\n<p>You won&#8217;t have to worry about unforeseen events on the road when you have comprehensive insurance. Your insurer is just one call away when you need roadside assistance.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6051\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-anda-perlu-beli-insurans-kereta-1st-party\/attachment\/211008_bjakblog_adilah_a9-01-04\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-04.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_A9-01-04\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-04.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-04.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-04-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Comprehensive insurance provides free roadside assistance\" class=\"wp-image-6051\" title=\"Comprehensive insurance provides free roadside assistance\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-04.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-04.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-04.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-04.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-04.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Windscreen_claim\"><\/span><strong>Windscreen claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you have comprehensive insurance, you can also claim your car&#8217;s windscreen. But be reminded that if you choose to claim your windscreen without having a windscreen add-on cover, you will lose your No Claim Discount (NCD). But don&#8217;t worry, there&#8217;s a way to cover your windscreen without affecting your NCD.<\/p>\n\n\n\n<p>You can get a windscreen cover as a car insurance add-on by paying just 15% of the sum insured for your windscreen. Say that your windscreen amount is RM1,000, you only have to pay RM150 to get this cover. Remember, this add-on cover is only exclusive to comprehensive insurance. So if you own third-party, fire and theft insurance, or third-party insurance, you have to bear the cost to repair or replace your chipped or broken windscreen.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6052\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-anda-perlu-beli-insurans-kereta-1st-party\/attachment\/211008_bjakblog_adilah_a9-01-05\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-05.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_A9-01-05\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-05.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-05.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-05-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Comprehensive insurance covers your car windscreen\" class=\"wp-image-6052\" title=\"Comprehensive insurance covers your car windscreen\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-05.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-05.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-05.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-05.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A9-01-05.png?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=\"Comprehensive_insurance_is_limited_to_car_age\"><\/span>Comprehensive insurance is limited to car age<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Would you like to get comprehensive insurance? Your car age may determine whether you can get this insurance type. Insurers usually approve comprehensive insurance applications for cars that do not exceed a certain age limit. For instance, some insurers set 16 or even 25 years old as the maximum car age that is eligible for comprehensive insurance. <\/p>\n\n\n\n<p>Say that you own a newly-manufactured car using a car loan, it is compulsory for you to get comprehensive insurance. For example, you have just bought a Proton Saga manufactured in 2020 using a car loan. In your case, you must purchase comprehensive insurance.    <\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Is it compulsory to have comprehensive insurance?<\/strong><\/p>\n\n\n\n<p>It is <em>not <\/em>compulsory unless your car is brand new and purchased with a bank loan, as shown in the earlier example. But if your car is rather old (say, 15 years old), estimated to cost you a little if your car needs a repair in the case of an accident, and debt-free, you may not need or be eligible to get this type of insurance.<\/p>\n\n\n\n<p>As a guide, read our article on how to choose car insurance.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Get_comprehensive_car_insurance_at_Bjak\"><\/span>Get comprehensive car insurance at Bjak<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>We have shared a few reasons why you should get comprehensive insurance. In summary, on top of protecting the third party, this insurance type will also give your car protection against fire, theft, loss or damage, even when you are at fault. <\/p>\n\n\n\n<p>Although comprehensive insurance offers more coverage, it doesn&#8217;t necessarily have to be expensive. At Bjak, you can compare up to 15 <a href=\"https:\/\/bjak.my\/en\">car insurance quotes<\/a> online to check what suits you best.\u200b\u200b\u200b\u200b\u200b Here&#8217;s another good news. You can also choose to pay your insurance in instalments for 6 or 12 months. Visit Bjak today for more information. <\/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=is-it-necessary-to-buy-comprehensive-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>Should you get comprehensive car insurance?<\/p>\n<p>Find out in this article why you should.<\/p>\n","protected":false},"author":5,"featured_media":7453,"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>Is It Necessary to Buy Comprehensive Car Insurance? | BJAK<\/title>\n<meta name=\"description\" content=\"Should you get comprehensive car insurance or just third party car insurance? Here&#039;s why you should get comprehensive car insurance instead.\" \/>\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\/is-it-necessary-to-buy-comprehensive-car-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is It Necessary to Buy Comprehensive Car Insurance? | BJAK\" \/>\n<meta property=\"og:description\" content=\"Should you get comprehensive car insurance or just third party car insurance? Here&#039;s why you should get comprehensive car insurance instead.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance\" \/>\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=\"2021-10-29T01:54:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-12T09:30:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9_Kenapa-anda-perlu-beli-insurans-kereta-komprehensif-1.png?fit=1600%2C900&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\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=\"Nur Adilah\" \/>\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! Fastest way to renew in Malaysia!\",\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bjak.my\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#primaryimage\",\"url\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9_Kenapa-anda-perlu-beli-insurans-kereta-komprehensif-1.png?fit=1600%2C900&ssl=1\",\"contentUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9_Kenapa-anda-perlu-beli-insurans-kereta-komprehensif-1.png?fit=1600%2C900&ssl=1\",\"width\":1600,\"height\":900,\"caption\":\"Is it necessary to buy comprehensive car insurance?\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance\",\"name\":\"Is It Necessary to Buy Comprehensive Car Insurance? | BJAK\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#primaryimage\"},\"datePublished\":\"2021-10-29T01:54:29+00:00\",\"dateModified\":\"2025-09-12T09:30:52+00:00\",\"description\":\"Should you get comprehensive car insurance or just third party car insurance? Here's why you should get comprehensive car insurance instead.\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Is It Necessary to Buy Comprehensive Car Insurance?\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/2148b0932ef951cefa0239779b028af4\"},\"headline\":\"Is It Necessary to Buy Comprehensive Car Insurance?\",\"datePublished\":\"2021-10-29T01:54:29+00:00\",\"dateModified\":\"2025-09-12T09:30:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#webpage\"},\"wordCount\":1187,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9_Kenapa-anda-perlu-beli-insurans-kereta-komprehensif-1.png?fit=1600%2C900&ssl=1\",\"keywords\":[\"Car insurance\",\"EN\"],\"articleSection\":[\"Car Insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/2148b0932ef951cefa0239779b028af4\",\"name\":\"Nur Adilah\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b7485180c4d29781404386d368bd692f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b7485180c4d29781404386d368bd692f?s=96&d=mm&r=g\",\"caption\":\"Nur Adilah\"},\"description\":\"Nur Adilah enjoys writing as a hobby and profession.\",\"url\":\"https:\/\/bjak.my\/blog\/author\/nuradilahramli123\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Is It Necessary to Buy Comprehensive Car Insurance? | BJAK","description":"Should you get comprehensive car insurance or just third party car insurance? Here's why you should get comprehensive car insurance instead.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance","og_locale":"en_US","og_type":"article","og_title":"Is It Necessary to Buy Comprehensive Car Insurance? | BJAK","og_description":"Should you get comprehensive car insurance or just third party car insurance? Here's why you should get comprehensive car insurance instead.","og_url":"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2021-10-29T01:54:29+00:00","article_modified_time":"2025-09-12T09:30:52+00:00","og_image":[{"width":1600,"height":900,"url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9_Kenapa-anda-perlu-beli-insurans-kereta-komprehensif-1.png?fit=1600%2C900&ssl=1","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"Nur Adilah","Est. reading time":"7 minutes"},"schema":{"@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! Fastest way to renew in Malaysia!","publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bjak.my\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#primaryimage","url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9_Kenapa-anda-perlu-beli-insurans-kereta-komprehensif-1.png?fit=1600%2C900&ssl=1","contentUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9_Kenapa-anda-perlu-beli-insurans-kereta-komprehensif-1.png?fit=1600%2C900&ssl=1","width":1600,"height":900,"caption":"Is it necessary to buy comprehensive car insurance?"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#webpage","url":"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance","name":"Is It Necessary to Buy Comprehensive Car Insurance? | BJAK","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#primaryimage"},"datePublished":"2021-10-29T01:54:29+00:00","dateModified":"2025-09-12T09:30:52+00:00","description":"Should you get comprehensive car insurance or just third party car insurance? Here's why you should get comprehensive car insurance instead.","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Is It Necessary to Buy Comprehensive Car Insurance?"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/2148b0932ef951cefa0239779b028af4"},"headline":"Is It Necessary to Buy Comprehensive Car Insurance?","datePublished":"2021-10-29T01:54:29+00:00","dateModified":"2025-09-12T09:30:52+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#webpage"},"wordCount":1187,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-buy-comprehensive-car-insurance#primaryimage"},"thumbnailUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9_Kenapa-anda-perlu-beli-insurans-kereta-komprehensif-1.png?fit=1600%2C900&ssl=1","keywords":["Car insurance","EN"],"articleSection":["Car Insurance"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/2148b0932ef951cefa0239779b028af4","name":"Nur Adilah","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b7485180c4d29781404386d368bd692f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b7485180c4d29781404386d368bd692f?s=96&d=mm&r=g","caption":"Nur Adilah"},"description":"Nur Adilah enjoys writing as a hobby and profession.","url":"https:\/\/bjak.my\/blog\/author\/nuradilahramli123"}]}},"jetpack_featured_media_url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9_Kenapa-anda-perlu-beli-insurans-kereta-komprehensif-1.png?fit=1600%2C900&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/7383"}],"collection":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=7383"}],"version-history":[{"count":55,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/7383\/revisions"}],"predecessor-version":[{"id":51154,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/7383\/revisions\/51154"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/7453"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=7383"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=7383"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=7383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}