Question 1

How do I renew my motor and car insurance and roadtax with BJAK?

Accepted Answer

Easy! You can do it on bjak.my main page and we will assist you. You only need to tell us: Motor or Car plate number, IC number and postcode. We will then send you an email with the insurance quotation for motor and car insurance and roadtax. You may choose an insurance or takaful company that you prefer and proceed to pay.

Question 2

Which insurers can I get a motor and car insurance quote from?

Accepted Answer

• Syarikat Takaful Malaysia Berhad
• RHB Insurance Berhad
• Takaful Ikhlas General Berhad
• Allianz General Insurance Company (Malaysia) Berhad

Privacy Policy

Question 3

Who can use this service?

Accepted Answer

All car and motorcycle owners are eligible to use this service.

Question 4

What are the benefits of renewing my roadtax at BJAK.my?

Accepted Answer

With BJAK, you can renew car insurance and roadtax online. This service is hassle-free, time-saving, cost-effective and accessible at any time. The service is also suitable for motorcycles.

Question 5

What kind of vehicles can I renew with the online roadtax service?

Accepted Answer

We provide insurance and road tax renewal services for all cars and motorcycles. However, for private cars used for e-hailing purposes, only insurance renewal services are available; road tax renewal services are not provided.

Question 6

What should I do if I don't remember my motor insurance and road tax expiry date?

Accepted Answer

Bjak.my sends timely reminders about motor insurance and road tax expiry via email and WhatsApp, we will ensure you stay informed and can renew their policies and road tax promptly.

Question 7

Is this service available all the time?

Accepted Answer

Yes, this Internet-based service is available 24 hours daily.

Question 8

How do I customise my BJAK promotional & renewal notifications?

Accepted Answer

You can fully control when and how BJAK reminds you about your insurance renewal.

Visit https://bjak.my/reminder-preference

Enter your email, phone number, and car plate (must match a quotation you previously generated)

Choose when you want BJAK to notify you before your insurance expiry:
• 60 days
• 30 days
• 2 weeks
• 1 week
• 1 day

Select your preferred channels: Email and/or WhatsApp

Or simply turn off notifications entirely if you don't want reminders.

That's it — you're in full control of your renewal alerts.

Question 9

What is Vehicle Insurance?

Accepted Answer

Vehicle insurance provides financial protection against loss or damage resulting from accidents, theft, or natural disasters involving your vehicle.

Question 10

Types of Car Insurance in Malaysia

Accepted Answer

In Malaysia, there are two main types of car insurance available: Comprehensive and Third-Party insurance. Comprehensive insurance covers both your vehicle and third parties.

Question 11

Comprehensive vs Third-Party Insurance

Accepted Answer

First-party insurance (also known as comprehensive) offers full protection for both you and third parties. This includes accidents, fire, and theft. If you're involved in an accident or your car is stolen, you can file a claim with your insurance company. Even if the accident is your fault and another vehicle is involved, the third party can still claim through your policy. On the other hand, third-party insurance only protects third parties — meaning other people, not you. For example, if you accidentally hit another car on the highway, your insurance company will cover the compensation for the other party. However, any damage to your own vehicle will not be covered and must be borne by you.

Question 12

When to Renew Car Insurance?

Accepted Answer

Car insurance must be renewed annually before its expiry date. However, you can also renew your insurance early, usually up to two months before it expires. Doing so will not affect your current policy, which will remain valid until its original end date. The renewed policy will take effect only after the current policy ends.

Question 13

How can I check my insurance expiry date?

Accepted Answer

You can check it via MyCarInfo, the JPJ system, or by contacting your insurance provider.

Question 14

How do I get the best car insurance?

Accepted Answer

We provide you a list of car insurance quotations in 5 minutes. You can compare the car insurance and find the best car insurance easily.

Question 15

What is roadtax?

Accepted Answer

Roadtax is an annual tax that must be paid to legally operate a vehicle on Malaysian roads.

Question 16

How to renew roadtax online?

Accepted Answer

You can renew it through the BJAK platform by adding the roadtax renewal as an add-on when purchasing your insurance — all in one quick and easy transaction.

Question 17

Can roadtax be renewed without insurance?

Accepted Answer

No, roadtax can only be renewed after your insurance has been successfully renewed and is active.

Question 18

What happens if roadtax renewal is delayed?

Accepted Answer

Your vehicle is not allowed on the road, and you may be fined by the Road Transport Department (JPJ).

Question 19

What is the validity period of roadtax?

Accepted Answer

The roadtax is usually valid for either 6 or 12 months, depending on your choice during renewal. However, if you renew through the BJAK platform, only the 12-month (1-year) option is currently available.

Question 20

Is PUSPAKOM inspection required to renew roadtax?

Accepted Answer

Only if your roadtax has expired for more than a year or if there are changes to your vehicle's structure.

Question 21

Can I renew roadtax on behalf of someone else?

Accepted Answer

Yes, as long as you have complete documentation and written consent.

Question 22

How do I know if my roadtax is active?

Accepted Answer

You can check through the MyJPJ app or via confirmation email/SMS from BJAK.

Question 23

What is the difference between physical and digital roadtax?

Accepted Answer

Physical roadtax is a printed sticker affixed to the vehicle's front windscreen as proof that roadtax has been paid. Digital roadtax, on the other hand, is online proof verified through the JPJ system — no physical sticker is required.

Question 24

Can outstanding summonses prevent roadtax renewal?

Accepted Answer

Yes, unpaid summonses can block the roadtax renewal process.

Question 25

Can I renew my roadtax if I have outstanding traffic summonses?

Accepted Answer

During the roadtax renewal process, Road Transport Department (JPJ) online service will check any outstanding summons and blacklist records at both JPJ and PDRM database systems. In order to proceed with this renewal, it is necessary for you to make payment for all your outstanding traffic offences recorded.

Question 26

What payment methods are accepted for renewing insurance and roadtax?

Accepted Answer

We offer 8 different payment methods, including 3 full payment options and 5 installment plans. Full payment can be made online using credit or debit cards, via FPX (online banking), or in cash at 7-Eleven or KK Mart stores. For installment payments, you can choose from Easy Payment Plan (EPP) for credit cards, Atome, SPayLater, GrabPayLater, RiiPay, and AhaPay.

Question 27

Can I pay in installments?

Accepted Answer

Yes, BJAK offers six types of installment payment options. The Easy Payment Plan (EPP) is available for credit card holders from CIMB, Ambank, Public Bank, UOB Bank, OCBC, Affin Bank, HSBC, Standard Chartered, Hong Leong, RHB, and Maybank. Atome supports credit or debit cards with a 3-month installment option. GrabPayLater offers a 4-month plan, while SPayLater allows installment terms ranging from 2 to 12 months. RiiPay is available for 3-month installments using debit or credit cards, and AhaPay supports 4-month installments with both debit and credit cards.

Question 28

Is it safe to make payments online?

Accepted Answer

Yes, BJAK uses banking-grade encryption and secure technology to protect user information during online transactions.

Question 29

Are there additional charges when using credit cards?

Accepted Answer

Some banks or platforms may apply a processing fee of 1% to 2%. Please check with BJAK's customer service team before making payment to confirm any potential charges.

Question 30

Can I use e-wallets to make payments?

Accepted Answer

Currently, BJAK does not support e-wallet payments.

Question 31

How do I know if my transaction was successful?

Accepted Answer

Every successful transaction will be issued with an e-Services receipt. If there are any matters or doubts about this service, you may contact us.

Question 32

Where can I view my payment transaction?

Accepted Answer

Please check your email inbox for successful payment transactions.

Question 33

What happens if my payment is rejected?

Accepted Answer

There are a few possibilities if your payment is rejected. Depending on the exact situation, the problem may occur as a result of the following:

• Credit card - Due to your credit card status which you will need to refer to your credit card bank centre to ensure that it is valid.
• Intermittent System Interruption - Sometimes the system is at fault due to disruption of network or the entire system. If this occurs, please try the payment process again.

Question 34

What should I do if my transaction fails?

Accepted Answer

First, check your bank account for the transaction status. If the amount was deducted but you did not receive a confirmation, contact BJAK's customer service team for assistance.

Question 35

Can I get a refund?

Accepted Answer

Refunds are typically processed within one working day. Customers can request refunds through customer service for prompt assistance.

Question 36

Will I get a receipt upon payment?

Accepted Answer

Yes. Every successful transaction will be issued an e-Services receipt for reference. Please keep this receipt for future reference.

Question 37

Will I receive an official receipt after payment?

Accepted Answer

Yes, an email containing your receipt and payment confirmation will be sent to you once the transaction is successfully completed.

Question 38

Can I change the payment method after submitting my order?

Accepted Answer

No, once your order is submitted and payment is made, the payment method cannot be changed.

Question 39

What happens if I make a double payment?

Accepted Answer

Contact the customer service center for verification. If the duplicate payment is confirmed, the excess amount will be refunded.

Question 40

Can I use someone else's credit card for payment?

Accepted Answer

Yes, you can use another person's credit card with their permission, as long as the insurance policy remains under the name of the vehicle owner.

Question 41

How do I go about making a claim on damages?

Accepted Answer

To submit a car insurance claim, you may follow the steps below

Step 1: Contact our 24-hour special hotline +60 3-9213 1717for professional assistance with your claim. Our team will guide you through the process and provide necessary support.

Alternatively, you may also contact your insurer hotline listed below.
• ALLIANZ – 1800-22-5542
• IKHLAS – 1800-88-1186
• RHB – 1300-880-881
• TAKAFUL MALAYSIA – 1800-888-788

Step 2: Provide all relevant details and documentation pertaining to the incident,including but not limited to, the incident report, photos, and any other requestedinformation.

Step 3: Our team will assess the claim promptly and recommend top-tier panelworkshops for repair, if necessary.

Step 4: Upon approval of the claim, our dedicated claim support team will ensurefast processing and aim for a successful resolution.

At BJAK, we prioritize every customer's experience and strive to provide efficient and professional assistance throughout the claims process.

Question 42

How is the car insurance claims process handled?

Accepted Answer

If you need any assistance, BJAK's live agents are ready to help. Simply WhatsApp or call them to get support throughout your claims process.

Question 43

What are the steps to file a vehicle insurance claim?

Accepted Answer

First, contact your insurance company immediately. Then, file a police report within 24 hours of the incident. Submit all required documents to begin the claim process.

Question 44

What documents are needed for a claim?

Accepted Answer

You will need a police report, a copy of your identification card, a copy of your driving license, photos of the damage, your vehicle registration certificate (grant), and the insurance claim form.

Question 45

How long does the claim process take?

Accepted Answer

The processing time varies depending on the case. It usually takes between 7 to 30 working days.

Question 46

Can I make a claim at a non-panel workshop?

Accepted Answer

Not all policies allow this. You must check your policy terms. If it's not permitted, you'll need to cover the repair costs yourself and request a reimbursement — only if eligible.

Question 47

What should I do after a minor accident?

Accepted Answer

Take clear photos of the incident, exchange information with the other party, file a police report within 24 hours, and then contact your insurance provider.

Question 48

Will making a claim affect my NCD (No Claim Discount)?

Accepted Answer

Yes, if you file a claim under your own policy. However, if the claim is made under a third party's insurance, your NCD will remain unaffected.

Question 49

Can I claim windscreen damage without losing my NCD?

Accepted Answer

Yes, if you have purchased the windscreen protection add-on.

Question 50

How do I claim for flood damage?

Accepted Answer

You can only claim for flood-related damages if you have added natural disaster coverage to your policy. A police report and evidence of damage are required for the claim.

Question 51

How can I check the status of my claim?

Accepted Answer

You can contact your insurance agent or check the status through your insurer's official online portal.

Question 52

What is BJAK VIP service?

Accepted Answer

BJAK VIP is a premium service that offers a more convenient, faster, and exclusive experience when renewing your insurance and roadtax. It includes one-to-one customer assistance for a personalized and stress-free process.

Question 53

What are the benefits of BJAK VIP compared to the standard service?

Accepted Answer

With BJAK VIP, you receive personal customer assistance (1-to-1 service), physical delivery of your roadtax and policy documents to your home, office, or MyJPJ app, and fast online service without the need to queue or visit counters. Your documents are handled thoroughly by the BJAK team, and you will receive real-time updates via WhatsApp and email. The BJAK customer service team who communicates with you via WhatsApp or phone are real agents — not automated messages or chatbots.

Question 54

Free Roadside Assistance

Accepted Answer

Road Assist includes support for flat tyres (replacement only, no spare tyre provided), fuel delivery up to 3 litres (fuel not included), battery delivery (purchase required), and basic troubleshooting for issues like engine failure (excluding towing or major breakdowns).

Question 55

24/7 Support

Accepted Answer

All calls are answered within 10 seconds by real people, not machines. This service is available to all BJAK customers, 24 hours a day, 7 days a week.

Question 56

Vehicle Assistance

Accepted Answer

Your car will be sent to a panel workshop, and you may request a replacement car during the claims process. Replacement car availability is subject to approval and repair duration.

Question 57

Insurance Claims

Accepted Answer

Once complete documents are submitted, BJAK will handle your claim professionally. The claim process typically takes 5 working days, depending on policy terms and claim type.

Question 58

Exclusive VIP Benefits

Accepted Answer

By subscribing to the BJAK VIP plan, you gain access to exclusive perks and events. These benefits are available to active VIP customers, and invitations depend on your location and event availability.

Question 59

Unlimited Towing

Accepted Answer

VIP Rescue provides towing services anywhere, anytime with no distance limit. Each VIP Rescue subscription allows for one (1) towing request. There are no restrictions on distance or location, as long as it falls within BJAK's coverage area. A dedicated BJAK hotline will dispatch help directly to your location. You can track the tow truck in real-time via WhatsApp. Misuse or repeated requests may void the service.

Question 60

Extended Warranty

Accepted Answer

This coverage offers protection for vehicles up to 15 years old, specifically for engine and transmission damage. Repair costs will be covered up to the plan's specified limit. It does not cover wear and tear, accidents, or damage from misuse. Claims must be submitted through BJAK's official channels and are subject to inspection. The protection limit, duration, and covered components depend on your subscription plan. Only one claim is allowed, up to a maximum of RM1,000.

Question 61

Is BJAK VIP available throughout Malaysia?

Accepted Answer

Yes, the VIP service is currently available in Peninsular Malaysia.

Question 62

What is the additional cost for BJAK VIP?

Accepted Answer

The additional charge for the BJAK VIP Rescue service is only RM69.90.

Question 63

How do I activate BJAK VIP service?

Accepted Answer

You can add the "BJAK VIP" option during your purchase process before making payment on the BJAK.my website. For further assistance, you may contact BJAK's customer support team via WhatsApp.

Question 64

How long does delivery take with VIP service?

Accepted Answer

Delivery usually takes between 1 to 3 working days after payment is completed and document verification is successful.

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