Ronald Lim, Group CEO | BJAK

Ronald Lim is Group CEO of BJAK and the reviewer for the car insurance, takaful and road tax content published on the site. He holds seven insurance and financial planning certificates: general insurance, life and investment-linked products, general and family takaful, and the Registered Financial Planner and Shariah Registered Financial Planner designations from the Malaysian Financial Planning Council.

BJAK has helped more than 2 million Malaysians renew their car insurance online since 2019, works with 16 insurer and takaful partners, and is recognised by Bank Negara Malaysia as an Approved Financial Adviser.

How these pages are reviewed

Every page is checked against the document that governs it, not against other websites. That means three sources: the insurer’s own policy wording and product disclosure sheet, PIAM’s coverage definitions, and JPJ’s published road tax rates. Prices carry the date they were read, and no claim goes live without a document behind it.

Attribution matters more in motor insurance than readers expect. Since Bank Negara Malaysia liberalised motor pricing in 2017, every insurer sets its own premium and add-on rates, so a figure accurate for one partner is not automatically accurate for another. Where a page quotes a rate, it names the insurer it came from.

A few things are genuinely industry-wide, and those are stated plainly: the three levels of cover, the No Claim Discount ladder from 25% to 55%, and the RM400 compulsory excess for a driver under 21, on a P or L licence, or not named on the policy. Everything else is attributed to the insurer that set it.