BJAK vs buying direct from an insurance company
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.
What changes when buying through BJAK?
Buying direct means dealing with one provider at a time: visiting each insurer's website or agent separately, and comparing by hand.
On BJAK, quotes from participating panel providers appear side by side, with pricing, sum insured options and add-ons shown together.
| Through BJAK | Direct from an insurer | |
|---|---|---|
| Providers you see | Quotes from participating panel providers, side by side | One provider at a time |
| Comparing prices | In one place | You approach each provider separately |
| Who underwrites | The insurer or takaful operator you select | The insurer |
| Policy terms and exclusions | Set by the insurer | Set by the insurer |
| Claim eligibility | Determined by your policy terms | Determined by your policy terms |
| Who assesses claims | The insurer or takaful operator | The insurer |
Who actually provides the insurance?
The insurer or takaful operator you select. BJAK is the platform and the approved adviser; it does not carry the risk. That provider:
- Assesses your risk and decides whether to offer cover
- Sets the terms, conditions and exclusions
- Holds the legal liability for your coverage
- Assesses and pays claims
Does buying through BJAK affect the policy?
No. Your policy terms, coverage, exclusions and sum insured options are determined by the insurer or takaful operator, not by where you bought it. The regulatory protections that apply to the product apply either way.
Does it affect claims?
No. Claims eligibility and assessment are governed strictly by the terms established in your official policy schedule. Claims are submitted to and paid out by the underlying insurer under standard BNM claim guidelines, regardless of the purchase channel.
Why might customers use BJAK?
- Centralised comparison in one place
- Flexible payment methods
- Bundled road tax renewal
- Centralised digital policy access
- Last reviewed:
- 11 Sept 2026
- Reviewed by:
- Customer Experience, Operations
- Next review:
- 1 Jan 2027