Most Selected Car Insurance Add-Ons Among BJAK Customers
Which car insurance add-ons do BJAK customers choose most often? Based on BJAK's customer data, All Drivers Coverage ranks first, followed by Windscreen Cover and Special Perils Cover.
These figures show which add-ons were most frequently selected by customers in the dataset. Let's look at the results, what each add-on covers and why it may be worth considering when choosing your car insurance.
Compare car insurance options on BJAK to explore available coverage and add-ons for your next renewal.
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Top 8 most selected add-ons among BJAK customers
The table below ranks the eight add-ons by pickup rate, which represents the percentage of policies in the dataset that include each add-on.
| Add-on | Pickup rate | Average GWP per add-on |
|---|---|---|
| 1All Drivers Coverage | 60.2% | RM8.10 |
| 2Windscreen Cover | 26.2% | RM199.82 |
| 3Special Perils Cover | 12.1% | RM79.60 |
| 4Legal Liability of Passengers for Negligence | 3.8% | RM7.50 |
| 5Personal Accident (PA) Add-On | 3.6% | RM50.15 |
| 6Legal Liability to Passengers | 3.5% | RM39.27 |
| 7Flood, Towing and Cleaning | 1.8% | RM19.70 |
| 8CART (Compensation for Assessed Repair Time) | 1.2% | RM79.68 |
GWP means gross written premium. The average GWP shown is the average premium attributed to each add-on in this dataset, not a guaranteed price for every customer. Actual premiums and availability may vary by insurer and policy.
What do BJAK customers' most selected add-ons cover?
1. All Drivers Coverage
With a 60.2% pickup rate, All Drivers Coverage ranks first among the add-ons in BJAK's customer dataset.
Why is it important?
This add-on can waive the compulsory excess when an unnamed driver uses your car, subject to the policy terms. It may be useful if you share your car with family members or friends. Check your policy to understand the benefit and conditions.
2. Windscreen Cover
Windscreen Cover ranks second, appearing in 26.2% of policies in the dataset. It helps pay for covered windscreen repairs or replacement.
Why is it important?
A cracked or broken windscreen can be costly to replace, especially for cars with advanced sensors. This add-on can help reduce the expense, subject to your insured amount and policy terms.
3. Special Perils Cover
Special Perils Cover ranks third, with a 12.1% pickup rate. It can protect against specified events, such as floods, landslides and storms, depending on the policy. Find out more about car insurance coverage.
Why is it important?
Natural disasters can cause expensive damage to your car. This add-on may help cover the cost of damage caused by specified events, making it worth considering if you drive or park in areas prone to flooding.
4. Other add-ons selected by BJAK customers
The remaining options in the dataset are Legal Liability of Passengers for Negligence, Personal Accident cover, Legal Liability to Passengers, flood-related assistance and CART.
Why are they important?
Each add-on serves a different purpose. Personal Accident cover may provide benefits for covered injuries or accidental death, while the two passenger liability options address different types of liability. Flood-related assistance may provide specific support, and CART may compensate for the assessed repair period after an eligible claim. Check the relevant policy terms, limits and exclusions before choosing.
What do BJAK customers' selection patterns tell us?
The data highlights three key findings:
- All Drivers Coverage leads the ranking
Its 60.2% pickup rate is more than double that of Windscreen Cover.
- Windscreen Cover is the second most selected add-on
It appears in 26.2% of policies in the dataset.
- The remaining add-ons have lower pickup rates
Each appears in fewer than 4% of policies, apart from Special Perils Cover.
These figures reflect add-on selection patterns among the BJAK customers included in the dataset. They do not necessarily represent the preferences of all Malaysian drivers or indicate which add-on is best for every customer.
How to choose add-ons when renewing through BJAK
The most selected add-on may not always be the right choice for you. Before renewing your car insurance, consider:
Who drives your car
Check whether All Drivers Coverage suits your driving arrangements.
Your car and repair costs
Consider whether windscreen protection is worthwhile for your vehicle.
Your location
Special Perils Cover may be useful if your car is exposed to floods or other specified natural disasters.
Your budget and coverage needs
Compare the additional premium with the benefits offered.
Policy conditions
Review the limits, exclusions and claim requirements.
You can compare car insurance options on BJAK and explore the Car Insurance Learning Hub to understand the available coverage before renewing.
Frequently asked questions
All Drivers Coverage ranks first in this dataset, with a 60.2% pickup rate and 48,091 policies containing the add-on.
It may be worth considering if you want protection against covered windscreen repair or replacement costs. Compare the additional premium with the insured amount and policy conditions.
Consider your exposure to floods and other specified natural disasters. Check the policy to confirm which events are covered and what exclusions apply.
Not necessarily. The data shows which add-ons BJAK customers selected most often, not which option is best for everyone. Your choice should depend on your car, driving needs, budget and policy terms.
Compare car insurance options on BJAK
BJAK's customer data offers a useful look at the add-ons selected most often on the platform. However, the right coverage depends on your individual needs, not just the popularity ranking.