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How BJAK works

Renew your vehicle insurance in minutes. Compare up to 16 partners. Pay in easy instalments.

Watch How BJAK Works

See the full process — from getting a quote to activating your policy — in under a minute.

Video Summary

This short video walks you through how BJAK helps Malaysian car owners renew their insurance and road tax online. It covers submitting your vehicle details, comparing personalised quotes from up to 16 insurers and takaful partners, customising add-ons, paying in flexible instalments, and getting instant policy activation — all in just a few minutes.

Key Takeaways

  • Submit your car details in under a minute to receive quotes.
  • Compare plans from up to 16 insurer and takaful partners side by side.
  • Customise add-ons like windscreen, special perils, and driver coverage.
  • Pay in 3, 6, 9, or 12 monthly instalments with no hidden charges.
  • Your policy is active instantly after payment.

How to renew car insurance with BJAK

Follow these steps to get a quote and renew your car insurance online.

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Step 1: Enter your vehicle details

Fill in vehicle details.

Fill in vehicle details.
  1. Enter your vehicle registration number in the box.
  2. Don’t have this?: If your new car doesn’t have a registration number yet, click this option.
  3. Want to insure a Company Vehicle?: If the vehicle is registered under a company, click this option.
  4. Enter the vehicle owner’s NRIC number using the format shown.
  5. Use Passport instead?: If the owner is a foreigner or doesn’t have an NRIC, click this option to enter their passport number.
  6. I have a Police or Army IC: Tick this checkbox if the owner has a Police or Army ID.

Enter the vehicle owner’s contact details

Enter the vehicle owner’s contact details
  1. Enter your name exactly as shown on your NRIC, including spelling, spaces, “bin” or “binti” to avoid verification issues or delays with insurance claims.
  2. Provide your correct email and WhatsApp number to receive quotes, policy documents, renewal reminders and payment links.
  3. With +60 pre-filled, enter your WhatsApp number without the first “0” (e.g. 12 345 6789).
  4. Enter your 5-digit postcode (e.g. 50050) based on where your car is located, as location may affect your insurance price.
  5. Keep this box ticked if you’d like to receive your quotation via WhatsApp.
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Step 2: View your available quotes

Your quotes are ready!

Your quotes are ready!

BJAK shows available car insurance quotes for your vehicle. Compare premiums, sum insured and coverage to find a plan that suits your needs.

Additional documents for approval

Additional documents for approval
  1. Some plans require extra checks, such as NCD verification or car photos after purchase. Follow the instructions and wait for the insurer to confirm your policy.

Compare plans and choose your insurance

Compare plans and choose your insurance
  1. Best price: Highlights a competitively priced quote. Compare coverage too.
  2. Shariah-compliant: Indicates a Takaful plan designed to follow Shariah principles.
  3. Sum insured: The value your car is insured for, subject to policy terms.
  4. NCD: Your No Claim Discount can lower your premium if you’re eligible.
  5. Policy benefits: Check included benefits, such as towing and extra driver coverage, as well as exclusions.
  6. Voluntary excess: The amount you agree to pay for certain claims. A higher excess may lower your premium but means paying more out of pocket.
  7. Premium: Check the amount payable, including instalments and total cost.

Add-on Road tax or BJAK VIP

Add-on Road tax or BJAK VIP
  1. Add road tax renewal where available. You can check your digital road tax via your BJAK account or MyJPJ app. Clear any outstanding summons to avoid renewal delays.
  2. 24/7 Unlimited Towing: Get towing assistance anytime, anywhere, with direct tow truck dispatch and real-time status updates.
  3. Key and Valuables Care: Get coverage for lost or stolen car keys and personal belongings, including theft-related damage. Claims require a police report and original receipt.
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Step 3: Check your quotation and choose extra coverage

Choose extra coverage

Choose extra coverage

You can also review optional add-ons for extra protection. The available add-ons and prices vary by insurer and plan. Some cost extra, so check the benefits, exclusions and prices before adding them. Read more about the available add-ons for each insurer.

QnA forum

QnA forum
  1. Find answers to common questions under “Buyers are asking”.
  2. Click “View all questions” to explore more questions from other BJAK customers.
  3. Need more help? Click “Need Help? Contact Us” to reach our customer support team.
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Step 4: Choose your payment method

Pay in full or in instalments

Pay in full or in instalments
  1. Easy payment plan (credit card): Pay in instalments using eligible credit cards from participating banks. Available for payments of RM500 or more.
  2. AhaPay: Split your payment into monthly instalments. Payments start from RM55.55/month, with a 5% fee and repayment periods of 4-12 months.
  3. SPayLater: Pay in instalments through SPayLater, with available tenures and fees shown.
  4. Atome: Split your payment into 3 instalments, subject to the displayed terms and fees.
  5. PayLater by Grab: Split your payment into instalments using Grab PayLater, subject to eligibility and fees.
  6. Credit / Debit Card: Pay the full amount using Visa or Mastercard.
  7. FPX Online Banking: Pay directly from your bank account through online banking.
  8. Cash (7-Eleven): Pay in cash at a participating 7-Eleven outlet.
  9. Cash (KK Mart): Pay in cash at a participating KK Mart outlet.
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Step 5: Receive and check your policy

Check your policy details and coverage

Check your policy details and coverage
  1. Policy is active: Your insurance policy is confirmed and active. All available documents are ready to view or download.
  2. Cover Note: View your cover note and check that your details are correct. Click Change if any details need correction.
  3. Roadtax: View your digital road tax.
  4. Payment Invoice: View your payment invoice for the insurance purchase.
  5. Roadtax Receipt: View your road tax payment receipt.
  6. Additional Documents: View or download any other available policy documents.

Frequently asked questions about how BJAK works

Visit the BJAK car insurance page, enter your vehicle details and follow the steps to view your available quotes.

Yes. You can compare available quotes, prices and coverage before deciding to buy. Read our guide to comparing car insurance quotes to learn what to look for.

BJAK offers quotes from 16 participating insurance and takaful providers. Available options may vary depending on your vehicle, eligibility and the products offered.

Yes. You can compare available plans, choose your coverage and renew your car insurance online through BJAK, subject to the applicable requirements.

Yes. Eligible customers can choose available instalment options, including Easy Payment Plan (EPP) and Buy Now, Pay Later (BNPL). EPP requires a minimum payment of RM500. Repayment periods, fees and eligibility vary by provider. See the available car insurance payment options.

It’s a good idea to check your No Claim Discount (NCD) before renewing, as it affects your premium. Use the BJAK NCD Checker to check your current NCD.

Some insurers offer Special Perils cover for floods and other specified natural events. Coverage and exclusions vary, so check the available options and policy terms before buying.

Yes. You can add road tax renewal to the same transaction where available. Your motor insurance must be active before your road tax can be renewed. Once processed, you can check your digital road tax in the MyJPJ app. Learn more about how BJAK road tax renewal works.

Your insurer or takaful operator handles the assessment and settlement of claims under your policy. Contact your provider to start a claim. You can also read our car insurance claim guide.

Visit the BJAK Car Insurance Learning Hub for guides on coverage, add-ons, NCD, claims and renewal.

Ready to compare car insurance?

Compare available quotes and choose the coverage that suits your needs with BJAK.

Get Quote