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.Featured guides
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Compare Car Insurance Add-Ons by Insurer
One table showing which optional benefits every insurer offers, and which come included.Read guideBasicsTypes of Car Insurance in Malaysia
Comprehensive, Third Party, TPFT and Act Cover — explained simply.Read guideAdd-onSum Insured
The value your car is insured for, and why it matters at claim time.Read guideAdd-onMarket Value vs Agreed Value
How each one decides your payout if your car is stolen or written off.Read guideAdd-onWindscreen Cover
What it covers, and why it's a common add-on worth knowing.Read guideAdd-onFlood & Natural Disaster Protection
Not automatic in most policies — here's how to add it.Read guideRoadtaxHow to Renew Roadtax Online
A step-by-step guide to renewing your roadtax without the queue.Read guideIn-depth guides
Comprehensive Car Insurance
Comprehensive - first party, full cover - is the policy most Malaysian drivers hold and the only one that pays for your own car after an accident. It is also the only base cover that accepts the add-ons that matter: flood, windscreen, all drivers. This page explains what the word means on your policy, what is and isn't inside it, how the premium is built, and how the comprehensive plans of BJAK's 16 partners actually differ.Read guideThird Party, Fire & Theft (TPFT) Car Insurance
Third Party, Fire & Theft - TPFT - sits between the two covers most people know. It keeps the two losses that can wipe out an older car's value, theft and fire, and drops the one you can budget for: accident repair. This page explains what TPFT insurance means in practice, what it costs relative to the covers either side of it, and the specific kind of car and owner it was designed for.Read guideThird Party Car Insurance in Malaysia
Third party car insurance is the cheapest cover an insurer will issue, and the most misunderstood. It pays for the people you injure and the property you damage - with an unlimited limit for death and bodily injury and RM3 million for property in most partner policies - and pays nothing, in any circumstance, for your own car. This page explains exactly what that means, what it costs relative to comprehensive, and the narrow case where it is the right choice.Read guideSpecial Perils in Car Insurance
Every comprehensive car policy in Malaysia excludes 'convulsions of nature' - flood, storm, typhoon, landslide. Special Perils is the endorsement that removes that exclusion. It is the most valuable add-on on any Malaysian policy and the one most often assumed to be included when it isn't. This page explains what the phrase on your quote means, exactly which events it covers, what it costs on your sum insured, and how it interacts with your NCD.Read guideWindscreen Insurance
A cracked windscreen is the most common claim on a Malaysian car policy - a stone on the highway, a temperature crack in the afternoon sun, a break-in. Without windscreen insurance it is either a bill you pay yourself or an own-damage claim that resets your No Claim Discount. With it, glass sits under its own sum insured and a claim leaves your NCD untouched. This page covers what the add-on costs, exactly how to claim, and which partners make it easier.Read guideEV Car Insurance in Malaysia
An electric car is insured on the same comprehensive policy as a petrol car - the base cover, excess and NCD rules are identical. What changes is where the money is: a high-voltage battery that can be 30-40% of the car's value, a wall charger at home that no motor or home policy covers by default, and software that alters the car after purchase. This page explains how to insure an EV properly and what it costs.Read guideLow Mileage Car Insurance
A car that covers 5,000 km a year spends only a third as much time on the road as one driving 15,000 km. Following the 2017 detariffication, Malaysian insurers can price premiums based on actual usage. Two BJAK partner insurers now offer full comprehensive coverage with an annual mileage cap and discounts between 10% and 40%. BJAK features this option as the Low Mileage Saver on eligible plans. This guide explains how these plans work, what happens if you exceed your limit, and how to determine if your driving habits qualify.Read guideAll Drivers Car Insurance
In Malaysia, a standard comprehensive car insurance policy includes a specific condition: if an unnamed driver (someone not explicitly listed on your policy schedule) is involved in an accident while driving your car, you must pay a compulsory excess of RM400 before your claim is processed. The All Drivers add-on waives this compulsory excess, allowing any licensed driver to operate your vehicle with full coverage. While it is one of the most cost-effective add-ons available - and even offered free of charge by select insurers - it is often listed on policy quotes under technical phrasing like "waiver of compulsory excess for unnamed driver." This guide breaks down how the clause works, who needs it, and which insurance providers offer it free of charge.Read guideFlood & Natural Disaster Protection
Malaysia's flood patterns follow a predictable cycle - from the north-east monsoon on the East Coast starting in November, to early-year heavy downpours in Johor and the southern region, to sudden flash floods across the Klang Valley after severe afternoon storms. What remains unpredictable is which vehicle will be caught in rising waters. This guide covers protecting your car: whether your vehicle is covered for flood damage, what to do in the first hour, a step-by-step claims guide, the limits of insurer liability, and how to prepare before flood season arrives.Read guidePopular questions
Comprehensive gives the widest protection (your own car plus third-party claims). Third Party, Fire & Theft suits older cars that still want fire and theft cover. Third Party is the most basic. The right choice depends on your car's age, value, usage, and budget.
Premiums can change due to your sum insured, claims history, loss of NCD after a claim, add-ons, or insurer repricing. Compare quotes before renewing to check the difference.
No. Active motor insurance is required before you can renew your roadtax in Malaysia. Renew your insurance first, then your roadtax.
Make sure everyone is safe, take photos, exchange details, and lodge a police report within 24 hours. Then contact your insurer to start the claim.
Usually your IC, driving licence, police report, photos of the damage, and your policy details. Requirements may vary by insurer and claim type.