Insurance Learning Hub
Understand car insurance before you renew
Simple guides to help you compare coverage, choose add-ons, renew roadtax, and understand claims in Malaysia.
Car insurance for different needs
Find car insurance guides based on your vehicle, usage and personal needs.
EV car insurance in Malaysia
Compare EV car insurance and check whether the policy covers the battery, charger, cable and other EV-specific risks.Learn more about EV insuranceE-hailing car insurance
If you drive for Grab, inDrive, Maxim or another e-hailing platform, check for cover that allows e-hailing use.Learn more about e-hailing insuranceCar insurance for foreigners in Malaysia
Find car insurance options for a vehicle registered in Malaysia when the owner is a non-Malaysian.Learn more about car insurance for foreignersBusiness and company car insurance
If a car is company-registered or used for business, choose insurance that matches the vehicle's declared use.Learn more about company car insuranceUsed car insurance
Arrange insurance for a second-hand car and make sure the policy details match the registered owner.Learn more about used car insuranceMileage-based car insurance
Don't drive much? Check whether a mileage-based plan can lower your premium while keeping comprehensive cover.Learn more about mileage-based car insuranceCar insurance guides
44 guides across 8 topicsCar insurance basics
6 guides- How to Choose Car Insurance: What Matters at Claim TimeWhat matters at claim time, and what to compare beyond the price.
- Sum insuredThe value your car is insured for, and why it matters at claim time.
- Market value vs agreed valueHow each one decides your payout if your car is stolen or written off.
- Voluntary ExcessAgree to pay more of a claim for a lower premium. When it pays off, and how it differs from compulsory excess.
- How to Renew Car Insurance in Malaysia and Save MoneyCheck your NCD, sum insured, add-ons and final price before you pay, and when to switch insurers.
- Car Insurance for Used Cars, New Cars and Special CasesUsed cars, new cars without a plate number, life after a total loss, NCD transfers and change of use.
Types of car insurance
3 guides- Comprehensive Car InsuranceFirst-party, full cover: the policy most Malaysian drivers hold, and what is and isn't inside it.
- Third Party Fire & Theft (TPFT) Car InsuranceThird-party cover plus fire and theft, without cover for accident damage to your own car.
- Third Party Car Insurance in MalaysiaThe legal minimum: what it pays for, and what it leaves you to pay yourself.
Add-ons
13 guides- Windscreen InsuranceA cracked windscreen is the most common claim on a Malaysian car policy. What the cover does.
- Special Perils Car Insurance: Flood, Storm & Natural Disaster CoverNo comprehensive policy covers flood, storm or landslide by default. The add-on that does, and what it costs.
- All Drivers Car InsuranceWhat happens when an unnamed driver has an accident in your car, and how to cover it.
- Legal Liability of Passengers for NegligenceWhen your passenger's carelessness injures someone else, like opening a door into a passing motorcyclist.
- Legal Liability to PassengersComprehensive cover does not protect you from claims by your own passengers. This add-on can.
- Personal Accident Car InsuranceYour car policy does not cover your own injuries. What PA pays if you are hurt in an accident.
- Compensation for Assessed Repair Time (CART) for Car InsuranceCompensation for the days your car is being repaired, based on assessed repair time, not days in the workshop.
- Strike, Riot & Civil Commotion (SRCC)Comprehensive cover may not pay for riot or strike damage to your car. What SRCC covers and what it costs.
- Waiver of BettermentOn a car 5 years or older, you pay 15% to 40% of new original parts in a claim. This add-on waives that share.
- Car Key Replacement CoverLost, stolen or damaged keys, smart keys included. What the cover pays for and the limits to check.
- NCD Relief or Protector Add-OnOne own-damage claim can reset a 55% NCD to 0%. How NCD Relief and NCD Protector soften that.
- Battery Cover: What Happens If Your EV Battery Fails?Battery failure is not automatically covered. What insurance, Special Perils and the warranty each pay for.
- E-Hailing Endorsement: How to Add It to Your PolicyA private car policy may not cover paid trips. How to add e-hailing cover before you take passengers.
Road tax
3 guides- Road Tax Price by Engine Capacity: Full Table 2026Road tax is charged on engine capacity, and the whole structure changes at 1,600cc.
- Road Tax for Imported and Reconditioned Cars in MalaysiaRecon and imported cars pay road tax by engine capacity like any other car. Worked examples and what to check.
- Renew Car Insurance and Road Tax TogetherYour insurance has to be active before road tax can be renewed. How to do both in one go.
Claims
9 guides- Car Insurance Claim ProcessPolice report within 24 hours, then six steps to a claim. The documents you need, and what to do if it is rejected.
- Car Theft & Total Loss ClaimsPolice report first, then the insurer. What a stolen or written-off car pays out, and what happens to the loan.
- Claiming for Flood Damage: Step-by-Step GuideDo not start a flooded car. The seven steps to a flood damage claim, and what Special Perils may pay for.
- How Long Does a Car Insurance Claim Take?No fixed timeline, but simple claims can settle in weeks. The five steps, and what holds a claim up.
- Total Loss: How Your Payout Is CalculatedMarket value or agreed value decides the payout. A worked example, and what happens if the loan is higher.
- What Happens If the Other Driver Has No Insurance?Who pays for your repairs when the driver who hit you is uninsured, and what it means for your NCD.
- Car Accessories and Modifications: Are They Covered?Dashcams, rims and body kits are not automatically covered. What to declare to your insurer, and why.
- Can I make a claim if I bought my insurance through BJAK?Yes. Your claim goes to the insurer that issued the policy, as if you had bought direct.
- Who handles my claim: BJAK or the insurer?The insurer assesses and pays it. What BJAK does after an accident, and what it cannot decide.
Roadside assistance
1 guideMotor takaful
3 guides- Which Takaful Operators Does BJAK Compare?Takaful Malaysia, Takaful IKHLAS and Zurich Takaful, compared side by side with conventional cover.
- Can You Switch From Insurance to Takaful at Renewal?Your NCD carries over. How to move from conventional insurance to takaful at renewal without a gap in cover.
- Takaful IKHLAS Motor: Cover and PricingWhat IKHLAS motor takaful covers, what drives the contribution, and the add-ons to compare.
BJAK Data Insights
6 guides- Most Selected Car Insurance Add-Ons Among BJAK CustomersThe 8 add-ons BJAK customers pick most often, ranked by pickup rate, and what each one covers.
- Average Car Insurance Price in Malaysia by Car Model on BJAKEstimated average and median prices for the 10 car models quoted most on BJAK.
- EV vs Petrol Car Insurance in MalaysiaAverage and median premiums for EVs against petrol cars, and for 10 EV models, in BJAK's quote data.
- Average Savings on Car Insurance After Comparing InsurersHow far the lowest quote sits below the median one on BJAK, overall and for 10 popular car models.
- Flood Cover Take-Up in MalaysiaSpecial Perils' share of BJAK add-on sales each year since 2021, and what flood cover protects.
- Hit-and-Run Accidents: What Your Car Insurance CoversPolice report within 24 hours. How to claim when the other driver drives off, and what it means for your NCD.
Browse all articles
Roadtax renewal
What Happens If My Car Insurance and Road Tax Expire on Different Dates?
Add-ons & protection
Is My Car Covered If It Is Stolen or Damaged at a Workshop?
NCD & premiums
Does a JPJ or Police Summons Affect My Car Insurance or NCD?
Car ownership & care
Who Pays If a Friend Crashes My Car?
Car ownership & care
Can I Insure a Car That Is Not Registered in My Name?
Claims & accidents
What Can I Claim If I Am Hit by an Uninsured Driver?
Claims & accidents
Should I Claim Car Insurance or Pay for the Repair Myself?
NCD & premiums
Car Insurance EPP vs BNPL: Instalment Options Compared
NCD & premiums
Compare Car Insurance Quotes in Malaysia – A Complete Guide
NCD & premiums
Comparing Quotes from 10+ Insurers: How Bjak Works
NCD & premiums
Renew Car Insurance and Road Tax in One Sitting: Bjak Guide
NCD & premiums