# BJAK

> BJAK is Malaysia's largest motor insurance comparison platform. Compare quotes from 16 licensed insurers and takaful operators, buy or renew a policy online, and renew road tax in the same flow. Used by over 6 million people across ASEAN.

Bjak Sdn. Bhd. is an Approved Financial Adviser and an Approved Islamic Financial Adviser under Bank Negara Malaysia, is listed by FMOS, and is a member firm of the Association of Financial Advisers Malaysia. The Trust Centre links to each of those public registers so the status can be verified independently.

Road tax in Malaysia is digital. From 1 February 2026 JPJ no longer issues physical road tax stickers for Malaysian-owned private vehicles, so a renewal completed through BJAK is viewed in the MyJPJ app rather than issued as a printed slip.

The site is published in three languages at https://bjak.my/en, https://bjak.my/ms and https://bjak.my/zh. The sections below list the same pages in each.

## English

### Start here

- [BJAK home](https://bjak.my/en): Compare and buy motor insurance and renew road tax online in minutes.
- [How BJAK works](https://bjak.my/en/how-bjak-works): Step-by-step walkthrough of quoting, comparing, paying and receiving your policy.
- [Frequently asked questions](https://bjak.my/en/faq): Answers to common questions about insurance, road tax, payments and claims.

### Trust and verification

- [Trust Centre](https://bjak.my/en/trust-centre): Index of how BJAK is regulated, how customer money is handled and what happens after payment.
- [Is BJAK legit?](https://bjak.my/en/is-bjak-legit): Direct answer on BJAK's legitimacy, with the independent registers you can check yourself.
- [BJAK and JPJ: what happened in 2024](https://bjak.my/en/bjak-jpj-authorisation): What JPJ said about BJAK's road tax service in May 2024, the timeline since, and how insurance and road tax renewal work today.
- [Approved Financial Adviser status](https://bjak.my/en/approved-financial-adviser): BJAK's Approved Financial Adviser and Approved Islamic Financial Adviser licensing under Bank Negara Malaysia.
- [About BJAK](https://bjak.my/en/about-bjak): Company profile: what BJAK does, who runs it and which markets it operates in.

### Trust Centre categories

- [Regulation and legitimacy](https://bjak.my/en/trust-centre/regulation-and-legitimacy): Understand who regulates BJAK and how you can verify us.
- [Your payment and money](https://bjak.my/en/trust-centre/your-payment-and-money): See where your payment goes and how customer money is handled.
- [Payment security and personal data](https://bjak.my/en/trust-centre/payment-security-and-personal-data): Understand how payments are processed and why we need certain information.
- [Quotes, pricing and fees](https://bjak.my/en/trust-centre/quotes-pricing-and-fees): Learn how quotes are compared, what affects the price and what you pay.
- [What happens after payment](https://bjak.my/en/trust-centre/what-happens-after-payment): Follow the steps from payment confirmation to policy and roadtax completion.
- [Delays and unsuccessful orders](https://bjak.my/en/trust-centre/delays-and-unsuccessful-orders): Understand why an order may take longer or cannot be completed.
- [Refunds and cancellations](https://bjak.my/en/trust-centre/refunds-and-cancellations): Learn when a refund applies, how it is processed and how to check its status.
- [Support and accountability](https://bjak.my/en/trust-centre/support-and-accountability): Find help after purchase and understand how to raise a concern.

### Car insurance

- [Car insurance](https://bjak.my/en/car-insurance): Product overview: what motor cover includes and how to buy or renew it through BJAK.
- [Compare car insurance add-ons by insurer](https://bjak.my/en/compare-car-insurance): Table of which optional benefits each of the 16 licensed insurers and takaful operators offers on comprehensive car cover, and which come included. Built from live insurer configuration, unranked.
- [Car Insurance Learning Hub](https://bjak.my/en/car-insurance-learning-hub): Explainers on how motor cover, pricing and claims work in Malaysia, written for first-time buyers.
- [Car insurance buying guide](https://bjak.my/en/car-insurance-guide): How to choose a plan: coverage types, NCD, add-ons and what to check before buying.
- [Types of car insurance](https://bjak.my/en/types-of-car-insurance): Comprehensive, third party fire and theft, and third party cover compared.
- [Market value vs agreed value](https://bjak.my/en/market-value-vs-agreed-value): How each sum insured basis affects your premium and what you are paid after a total loss.
- [Payment options](https://bjak.my/en/car-insurance-payment-options): Ways to pay for a policy, including instalments, and the fees that apply to each.
- [Car insurance calculator](https://bjak.my/en/car-insurance-calculator): Estimate a premium before submitting vehicle details for a full quote.
- [NCD checker](https://bjak.my/en/ncd-checker): Check your current no-claim discount entitlement before renewing.

### Road tax

- [Road tax renewal](https://bjak.my/en/roadtax): Renew road tax online without queuing at JPJ. The renewed road tax is digital and viewed in MyJPJ.
- [Road-tax-only renewal](https://bjak.my/en/renew-roadtax): Renew road tax on its own when your insurance is already active.
- [How road tax renewal works](https://bjak.my/en/how-roadtax-renewal-works): Why insurance must be active first, what happens after payment, and how to view digital road tax in MyJPJ.

### Other cover

- [Motorcycle insurance](https://bjak.my/en/motorcycle-insurance): Compare and renew motorcycle cover, including road tax for motorcycles.
- [Electric vehicle insurance](https://bjak.my/en/electric-vehicle-insurance): Cover for EVs, including battery and charging-related considerations.
- [Travel insurance](https://bjak.my/en/travel): Domestic and international travel cover for individuals and families.
- [Home insurance](https://bjak.my/en/home-insurance): Cover for your property and its contents.

### Membership and rewards

- [VIP benefits](https://bjak.my/en/benefits): Unlimited towing, 24/7 roadside assistance, flat tyre and jumpstart help included with a policy.
- [Rewards](https://bjak.my/en/rewards): Points and rewards earned on BJAK purchases, and how to redeem them.

### Company

- [About us](https://bjak.my/en/about-us): The team behind BJAK and the company's mission and milestones.
- [Contact us](https://bjak.my/en/contact-us): Support channels and operating hours for customer enquiries.
- [Newsroom](https://bjak.my/en/news): Company announcements and third-party media coverage of BJAK.
- [Careers](https://bjak.my/en/career): Open roles and how hiring works at BJAK.

### Policies

- [Terms and conditions](https://bjak.my/en/terms-conditions): Terms governing use of the BJAK platform.
- [Privacy policy](https://bjak.my/en/privacy-policy): What personal data BJAK collects, why, and how it is protected.
- [Refund policy](https://bjak.my/en/refund-policy): When a refund applies, how it is calculated and how long it takes.

## Bahasa Malaysia

### Mula di sini

- [Laman utama BJAK](https://bjak.my/ms): Banding dan beli insurans kenderaan serta perbaharui roadtax dalam talian dalam beberapa minit.
- [Bagaimana BJAK berfungsi](https://bjak.my/ms/how-bjak-works): Panduan langkah demi langkah untuk sebut harga, perbandingan, pembayaran dan penerimaan polisi.
- [Soalan lazim](https://bjak.my/ms/faq): Jawapan kepada soalan lazim mengenai insurans, roadtax, pembayaran dan tuntutan.

### Kepercayaan dan pengesahan

- [Pusat Kepercayaan](https://bjak.my/ms/trust-centre): Indeks tentang cara BJAK dikawal selia, cara wang pelanggan dikendalikan dan apa yang berlaku selepas pembayaran.
- [Adakah BJAK sah?](https://bjak.my/ms/is-bjak-legit): Jawapan langsung tentang kesahihan BJAK, berserta daftar bebas yang boleh anda semak sendiri.
- [BJAK dan JPJ: apa yang berlaku pada 2024](https://bjak.my/ms/bjak-jpj-authorisation): Apa yang JPJ nyatakan tentang perkhidmatan roadtax BJAK pada Mei 2024, kronologi selepasnya, dan cara insurans serta pembaharuan roadtax berfungsi hari ini.
- [Status Penasihat Kewangan Diluluskan](https://bjak.my/ms/approved-financial-adviser): Pelesenan BJAK sebagai Penasihat Kewangan Diluluskan dan Penasihat Kewangan Islam Diluluskan di bawah Bank Negara Malaysia.
- [Tentang BJAK](https://bjak.my/ms/about-bjak): Profil syarikat: apa yang BJAK lakukan, siapa yang menerajuinya dan pasaran yang diceburi.

### Kategori Pusat Kepercayaan

- [Kawal selia dan kesahihan](https://bjak.my/ms/trust-centre/regulation-and-legitimacy): Fahami siapa yang mengawal selia BJAK dan cara menyemak status kami.
- [Bayaran dan wang pelanggan](https://bjak.my/ms/trust-centre/your-payment-and-money): Ketahui ke mana bayaran anda disalurkan dan cara wang pelanggan dikendalikan.
- [Keselamatan bayaran dan data peribadi](https://bjak.my/ms/trust-centre/payment-security-and-personal-data): Fahami cara bayaran diproses dan sebab kami memerlukan maklumat tertentu.
- [Sebut harga, harga dan caj](https://bjak.my/ms/trust-centre/quotes-pricing-and-fees): Ketahui cara sebut harga dibandingkan, faktor yang mempengaruhi harga dan jumlah yang perlu dibayar.
- [Apa yang berlaku selepas bayaran](https://bjak.my/ms/trust-centre/what-happens-after-payment): Fahami langkah selepas bayaran sehingga polisi dan cukai jalan selesai diproses.
- [Kelewatan dan pesanan tidak berjaya](https://bjak.my/ms/trust-centre/delays-and-unsuccessful-orders): Ketahui sebab pesanan mungkin mengambil masa lebih lama atau tidak dapat diselesaikan.
- [Bayaran balik dan pembatalan](https://bjak.my/ms/trust-centre/refunds-and-cancellations): Ketahui bila bayaran balik diberikan, cara ia diproses dan cara menyemak statusnya.
- [Sokongan dan tanggungjawab](https://bjak.my/ms/trust-centre/support-and-accountability): Dapatkan bantuan selepas pembelian dan ketahui cara mengemukakan masalah.

### Insurans kereta

- [Insurans kereta](https://bjak.my/ms/car-insurance): Gambaran produk: apa yang dilindungi dan cara membeli atau memperbaharuinya melalui BJAK.
- [Banding manfaat tambahan insurans kereta mengikut insurer](https://bjak.my/ms/compare-car-insurance): Jadual manfaat pilihan yang ditawarkan oleh setiap 16 penanggung insurans dan pengendali takaful berlesen bagi perlindungan kereta komprehensif, serta yang mana disertakan. Dibina daripada konfigurasi insurer secara langsung, tanpa kedudukan.
- [Hab Pembelajaran Insurans Kereta](https://bjak.my/ms/car-insurance-learning-hub): Penerangan tentang cara perlindungan, harga dan tuntutan berfungsi di Malaysia, ditulis untuk pembeli kali pertama.
- [Panduan membeli insurans kereta](https://bjak.my/ms/car-insurance-guide): Cara memilih pelan: jenis perlindungan, NCD, tambahan dan perkara yang perlu disemak sebelum membeli.
- [Jenis insurans kereta](https://bjak.my/ms/types-of-car-insurance): Perbandingan perlindungan komprehensif, pihak ketiga kebakaran dan kecurian, serta pihak ketiga.
- [Nilai pasaran lawan nilai dipersetujui](https://bjak.my/ms/market-value-vs-agreed-value): Bagaimana setiap asas jumlah dilindungi mempengaruhi premium dan bayaran selepas kerugian total.
- [Pilihan pembayaran](https://bjak.my/ms/car-insurance-payment-options): Cara membayar polisi, termasuk ansuran, dan yuran yang dikenakan bagi setiap satu.
- [Kalkulator insurans kereta](https://bjak.my/ms/car-insurance-calculator): Anggarkan premium sebelum menghantar butiran kenderaan untuk sebut harga penuh.
- [Penyemak NCD](https://bjak.my/ms/ncd-checker): Semak kelayakan diskaun tanpa tuntutan (NCD) semasa anda sebelum memperbaharui.

### Roadtax

- [Pembaharuan roadtax](https://bjak.my/ms/roadtax): Perbaharui roadtax dalam talian tanpa beratur di JPJ. Roadtax yang diperbaharui adalah digital dan dilihat dalam MyJPJ.
- [Pembaharuan roadtax sahaja](https://bjak.my/ms/renew-roadtax): Perbaharui roadtax sahaja apabila insurans anda sudah aktif.
- [Bagaimana pembaharuan roadtax berfungsi](https://bjak.my/ms/how-roadtax-renewal-works): Sebab insurans perlu aktif dahulu, apa yang berlaku selepas pembayaran, dan cara melihat roadtax digital dalam MyJPJ.

### Perlindungan lain

- [Insurans motosikal](https://bjak.my/ms/motorcycle-insurance): Banding dan perbaharui perlindungan motosikal, termasuk roadtax motosikal.
- [Insurans kenderaan elektrik](https://bjak.my/ms/electric-vehicle-insurance): Perlindungan untuk EV, termasuk pertimbangan bateri dan pengecasan.
- [Insurans perjalanan](https://bjak.my/ms/travel): Perlindungan perjalanan domestik dan antarabangsa untuk individu dan keluarga.
- [Insurans rumah](https://bjak.my/ms/home-insurance): Perlindungan untuk hartanah anda dan kandungannya.

### Keahlian dan ganjaran

- [Faedah VIP](https://bjak.my/ms/benefits): Tunda tanpa had, bantuan tepi jalan 24/7, bantuan tayar pancit dan pancingan bateri disertakan dengan polisi.
- [Ganjaran](https://bjak.my/ms/rewards): Mata dan ganjaran yang diperoleh daripada pembelian BJAK, dan cara menebusnya.

### Syarikat

- [Tentang kami](https://bjak.my/ms/about-us): Pasukan di sebalik BJAK serta misi dan pencapaian syarikat.
- [Hubungi kami](https://bjak.my/ms/contact-us): Saluran sokongan dan waktu operasi untuk pertanyaan pelanggan.
- [Bilik berita](https://bjak.my/ms/news): Pengumuman syarikat dan liputan media pihak ketiga mengenai BJAK.
- [Kerjaya](https://bjak.my/ms/career): Jawatan kosong dan cara pengambilan pekerja di BJAK.

### Polisi

- [Terma dan syarat](https://bjak.my/ms/terms-conditions): Terma yang mengawal penggunaan platform BJAK.
- [Polisi privasi](https://bjak.my/ms/privacy-policy): Data peribadi yang dikumpul oleh BJAK, sebabnya, dan cara ia dilindungi.
- [Polisi pemulangan wang](https://bjak.my/ms/refund-policy): Bila pemulangan wang terpakai, cara ia dikira dan tempoh yang diambil.

## 中文

### 从这里开始

- [BJAK 首页](https://bjak.my/zh): 在线比较、投保汽车保险并续办路税，几分钟内完成。
- [BJAK 如何运作](https://bjak.my/zh/how-bjak-works): 从报价、比较、付款到取得保单的分步说明。
- [常见问题](https://bjak.my/zh/faq): 关于保险、路税、付款与索赔的常见问题解答。

### 信任与验证

- [信任中心](https://bjak.my/zh/trust-centre): 集中说明 BJAK 如何受监管、客户款项如何处理，以及付款后的流程。
- [BJAK 合法吗？](https://bjak.my/zh/is-bjak-legit): 直接回答 BJAK 是否合法，并附上可自行核查的独立监管名录。
- [BJAK 与 JPJ：2024 年发生了什么](https://bjak.my/zh/bjak-jpj-authorisation): JPJ 在 2024 年 5 月对 BJAK 路税服务的说明、此后的时间线，以及保险与路税续办目前的运作方式。
- [持牌财务顾问资格](https://bjak.my/zh/approved-financial-adviser): BJAK 在马来西亚国家银行下的持牌财务顾问与伊斯兰财务顾问资格。
- [关于 BJAK](https://bjak.my/zh/about-bjak): 公司简介：BJAK 的业务、管理团队与营运市场。

### 信任中心分类

- [监管与合法性](https://bjak.my/zh/trust-centre/regulation-and-legitimacy): 了解 BJAK 由谁监管，以及如何核实我们的身份。
- [付款与客户资金](https://bjak.my/zh/trust-centre/your-payment-and-money): 了解您的付款流向，以及客户资金如何被处理。
- [付款安全与个人资料](https://bjak.my/zh/trust-centre/payment-security-and-personal-data): 了解付款如何处理，以及我们为何需要特定资料。
- [报价、价格与费用](https://bjak.my/zh/trust-centre/quotes-pricing-and-fees): 了解报价如何比较、哪些因素影响价格，以及您需要支付哪些费用。
- [付款后会发生什么](https://bjak.my/zh/trust-centre/what-happens-after-payment): 了解付款确认后，保单及路税完成处理前的各个步骤。
- [延误与无法完成的订单](https://bjak.my/zh/trust-centre/delays-and-unsuccessful-orders): 了解订单为何可能需要更长时间，或无法完成。
- [退款与取消](https://bjak.my/zh/trust-centre/refunds-and-cancellations): 了解哪些情况可退款、退款如何处理，以及如何查询进度。
- [后续支援与责任](https://bjak.my/zh/trust-centre/support-and-accountability): 了解购买后的支援方式，以及如何提出问题或投诉。

### 汽车保险

- [汽车保险](https://bjak.my/zh/car-insurance): 产品概览：车险保障范围，以及如何通过 BJAK 投保或续保。
- [逐家比较汽车保险附加保障](https://bjak.my/zh/compare-car-insurance): 表格列出 16 家持牌保险公司与回教保险营运商在综合车险下提供哪些可选附加保障、哪些已包含在内。数据取自即时保险公司配置，不作排名。
- [汽车保险学习中心](https://bjak.my/zh/car-insurance-learning-hub): 面向首次投保者，解释马来西亚车险的保障、定价与索赔运作方式。
- [汽车保险选购指南](https://bjak.my/zh/car-insurance-guide): 如何选择方案：保障类型、NCD 折扣、附加保障与投保前须知。
- [汽车保险类型](https://bjak.my/zh/types-of-car-insurance): 综合险、第三方火灾与盗窃险、第三方险的差异比较。
- [市价与协定价值的区别](https://bjak.my/zh/market-value-vs-agreed-value): 两种投保额基准如何影响保费，以及全损时的赔付差异。
- [付款方式](https://bjak.my/zh/car-insurance-payment-options): 保单付款方式（含分期）及各自适用的费用。
- [汽车保险计算器](https://bjak.my/zh/car-insurance-calculator): 在提交车辆资料获取正式报价前，先估算保费。
- [NCD 查询](https://bjak.my/zh/ncd-checker): 续保前查询你目前可享的无索赔折扣（NCD）。

### 路税

- [路税续办](https://bjak.my/zh/roadtax): 无需到 JPJ 排队即可在线续办路税。续办后的路税为电子版，可在 MyJPJ 查看。
- [仅续办路税](https://bjak.my/zh/renew-roadtax): 保险仍然有效时，可单独续办路税。
- [路税续办流程说明](https://bjak.my/zh/how-roadtax-renewal-works): 为何须先有有效保险、付款后的处理流程，以及如何在 MyJPJ 查看电子路税。

### 其他保险

- [摩托车保险](https://bjak.my/zh/motorcycle-insurance): 比较并续保摩托车保险，包括摩托车路税。
- [电动车保险](https://bjak.my/zh/electric-vehicle-insurance): 电动车保险，涵盖电池与充电相关的考量。
- [旅游保险](https://bjak.my/zh/travel): 面向个人与家庭的国内及国际旅游保障。
- [家居保险](https://bjak.my/zh/home-insurance): 为房屋及屋内财物提供保障。

### 会员与奖励

- [VIP 权益](https://bjak.my/zh/benefits): 保单附带无限次拖车、24/7 道路救援、爆胎与搭电协助。
- [奖励](https://bjak.my/zh/rewards): 通过 BJAK 消费累积的积分与奖励，以及兑换方式。

### 公司

- [关于我们](https://bjak.my/zh/about-us): BJAK 背后的团队，以及公司的使命与发展历程。
- [联系我们](https://bjak.my/zh/contact-us): 客户咨询的支援管道与服务时间。
- [新闻中心](https://bjak.my/zh/news): 公司公告与第三方媒体对 BJAK 的报道。
- [招聘](https://bjak.my/zh/career): 职位空缺与 BJAK 的招聘流程。

### 政策条款

- [使用条款](https://bjak.my/zh/terms-conditions): 使用 BJAK 平台所适用的条款。
- [隐私政策](https://bjak.my/zh/privacy-policy): BJAK 收集哪些个人资料、收集原因及保护方式。
- [退款政策](https://bjak.my/zh/refund-policy): 退款的适用情形、计算方式与处理时长。