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
24 guides across 6 topicsCar insurance basics
4 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.
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
10 guides- Windscreen InsuranceA cracked windscreen is the most common claim on a Malaysian car policy. What the cover does.
- 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.
Road tax
2 guidesClaims
4 guides- Car Insurance Claim ProcessMost claims are weakened in the first day, not at the assessment. Two deadlines do the damage.
- 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.
- 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.
Browse all articles
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
Renewing Insurance for a Second or Third Car
Add-ons & protection
Special Perils vs Flood Add-On: Monsoon Cover Compared
Claims & accidents
Windscreen Claim Without Affecting NCD: Malaysia Guide
Car ownership & care
Common Mistakes Malaysian Drivers Make
Add-ons & protection
Legal Liability to Passengers Cover in Malaysia
NCD & premiums
Pay Car Insurance In Instalments : What You Need To Know
NCD & premiums
Grace Period Car Insurance Road Tax Malaysia: Real Rules
Coverage & policy types