Support and accountability

Yes. Buying through BJAK does not affect your right to claim. Your claim is made against the insurer or Takaful operator that issued your policy, and it is assessed under that policy's terms - exactly as it would be if you had bought direct. BJAK is the distribution channel, not the risk carrier.

The insurer or Takaful operator handles your claim. They assess it, approve or reject it, and pay it. BJAK's role after an accident or loss is to help you reach the right team, make sense of your policy documents, and escalate a case that has stalled. BJAK does not assess claims and cannot decide the outcome - that authority sits with the provider that issued your policy.

Eligible BJAK VIP customers can receive guidance on the claims process, towing coordination and insurer follow-up, subject to the benefits and terms of their plan.

Contact BJAK first so our team can review and resolve the issue. If the matter remains unresolved and is eligible, you may refer it to the Financial Markets Ombudsman Service.

Contact BJAK's Data Protection Officer at [email protected] for questions about how your personal data is collected, used or protected.

The insurer or takaful operator is responsible for your cover. It underwrites the risk, sets the terms, issues the policy or certificate, and decides and pays claims. BJAK handles comparison, purchase, document delivery and administrative support.

Buying through BJAK lets you compare quotes from multiple participating providers in one place instead of approaching each insurer separately. The insurer or takaful operator you select still underwrites the cover, sets the terms, and decides claims.

BJAK handles everything administrative around your policy. Your insurer handles the policy itself. That is the line, and it holds for the whole life of the cover. Documents, road tax, renewal reminders and chasing a slow claim sit with BJAK. Underwriting, assessing a claim and paying it sit with the licensed insurer or takaful operator whose name is on your certificate. Knowing which side a question falls on saves you calling the wrong number on a bad day.