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Types of Car Insurance Coverage
Comprehensive Car Insurance
Covers your car and others for accidents, fire, and theft. Insurer pays your repairs and third-party damages. Best for cars under 10 years.
Third party, fire, and theft Car Insurance
Covers your car for fire/theft only; accidents at your fault means you pay your own repairs. Third-party damages are covered.
Third party Car Insurance
Covers others only (their damage/injury). No cover for your car for accident, fire, or theft. Subject to insurer approval.
Car Insurance Additional Coverage
Common add-ons most insurers/Takaful offer—coverage and T&Cs vary by provider.
Hassle-Free Car Replacement
No worries while your car's in the workshop—stay on the road with ease!
Fast claim processing
Claims processed within 5 working days
Special hotline
Will pickup your call in 10 seconds, 24/7
High claim success rate
Professional team will fight for your case
Best workshops
Exceptional and high quality workshops
FREE Battery change
Get a free battery change when you need it most.
FREE Tyre change
Free tyre change service for unexpected flats.
FREE Emergency petrol
Free emergency petrol delivery to keep you moving.
FREE Breakdown Help
Free breakdown assistance anytime, anywhere.
Frequently Asked Questions when buying Car Insurance
How do car insurance companies calculate car insurance premium rates in Malaysia?
Before July 2017, the premium rates for car insurance in Malaysia were pretty much the same (based on the value of your vehicle and its engine capacity) across all car insurance providers. This was because the premium rates were tariffed by Bank Negara Malaysia (BNM). Car insurance companies based their premium calculation mainly on the technical details and age, therefore the market value of your car.
However, since the implementation of de-tariffication in July 2017, car insurance companies now look into various additional other factors to determine your car insurance premium. Among the factors that will be taken into account in determining the premium price of car insurance are as follows:
However, since the implementation of de-tariffication in July 2017, car insurance companies now look into various additional other factors to determine your car insurance premium. Among the factors that will be taken into account in determining the premium price of car insurance are as follows:
- Driving record
- Usage of the car
- Location
- Job
- Age
- Safety features on vehicles
How to submit a car insurance claim?
- 1. Call your car insurance company hotline if you involved in a serious accident
- 2. Gather all the evidence and record important information such as time and place of the accident, photos of the accident, photos that include damage of your vehicle and other vehicle involved and exchange information with the vehicle involved
- 3. Make a police report within 24 hours
- 4. Report to the car insurance company within 7 days of the accident
- 5. Make sure your car is sent to the panel workshop of the car insurance company
- 6. Fill in the car insurance company's claim form
- 7. Submit all forms required by the car insurance company
- 8. Check with your car insurance company about the repairs done by the panel workshop
- 9. Sign the car insurance company release form when you are satisfied with your car after the repair
If another driver drives my car and is suddenly involved in an accident, can I make a car insurance claim?
Basically, the car insurance company will charge an excess amount for claim if your car is involved in an accident caused by another driver. However, you can make a car insurance claim if you have added-on the driver name in the policy or you have purchased a car insurance policy with all drivers coverage when renewing your car insurance.
Can I cancel my car insurance policy at any time?
Yes, you can cancel your car insurance policy at any time. However, penalties may be imposed if you cancel the policy before the expiration date.
Can I renew my car insurance if my car is older than 15 years?
The package offered by the car insurance companies can be lesser because of the age of your car. However, the car insurance packages offered at BJAK.my cover a wide range of cars and hence you’ll still be able to renew your car insurance at BJAK.my.
How is comprehensive car insurance different from third party, fire and theft car insurance?
The main difference is that comprehensive car insurance covers the damage of your car during collision (road accident), fire and theft but third party, fire and theft car insurance covers the damage of your car during fire and theft only. There is no towing service if you purchase a third party, fire and theft car insurance.