Insurance Learning Hub
Understand car insurance before you renew
Simple guides to help you compare coverage, choose add-ons, renew roadtax, and understand claims in Malaysia.Featured guides
Add-on
Compare Car Insurance Add-Ons by Insurer
One table showing which optional benefits every insurer offers, and which come included.Read guideBasicsTypes of Car Insurance in Malaysia
Comprehensive, Third Party, TPFT and Act Cover — explained simply.Read guideAdd-onSum Insured
The value your car is insured for, and why it matters at claim time.Read guideAdd-onMarket Value vs Agreed Value
How each one decides your payout if your car is stolen or written off.Read guideAdd-onWindscreen Cover
What it covers, and why it's a common add-on worth knowing.Read guideAdd-onFlood & Natural Disaster Protection
Not automatic in most policies — here's how to add it.Read guideRoadtaxHow to Renew Roadtax Online
A step-by-step guide to renewing your roadtax without the queue.Read guideIn-depth guides
Comprehensive Car Insurance
Comprehensive - first party, full cover - is the policy most Malaysian drivers hold and the only one that pays for your own car after an accident. It is also the only base cover that accepts the add-ons that matter: flood, windscreen, all drivers. This page explains what the word means on your policy, what is and isn't inside it, how the premium is built, and how the comprehensive plans of BJAK's 16 partners actually differ.Read guideThird Party, Fire & Theft (TPFT) Car Insurance
Third Party, Fire & Theft - TPFT - sits between the two covers most people know. It keeps the two losses that can wipe out an older car's value, theft and fire, and drops the one you can budget for: accident repair. This page explains what TPFT insurance means in practice, what it costs relative to the covers either side of it, and the specific kind of car and owner it was designed for.Read guideThird Party Car Insurance in Malaysia
Third party car insurance is the cheapest cover an insurer will issue, and the most misunderstood. It pays for the people you injure and the property you damage - with an unlimited limit for death and bodily injury and RM3 million for property in most partner policies - and pays nothing, in any circumstance, for your own car. This page explains exactly what that means, what it costs relative to comprehensive, and the narrow case where it is the right choice.Read guideSpecial Perils Car Insurance: Flood, Storm & Natural Disaster Cover
Every comprehensive car policy in Malaysia excludes 'convulsions of nature' - flood, storm, typhoon, landslide. Special Perils is the endorsement that removes that exclusion. It is the most valuable add-on on any Malaysian policy and the one most often assumed to be included when it isn't. This page explains what the phrase on your quote means, exactly which events it covers, what it costs on your sum insured, and how it interacts with your NCD.Read guideWindscreen Insurance
A cracked windscreen is the most common claim on a Malaysian car policy - a stone on the highway, a temperature crack in the afternoon sun, a break-in. Without windscreen insurance it is either a bill you pay yourself or an own-damage claim that resets your No Claim Discount. With it, glass sits under its own sum insured and a claim leaves your NCD untouched. This page covers what the add-on costs, exactly how to claim, and which partners make it easier.Read guideAll Drivers Car Insurance
In Malaysia, a standard comprehensive car insurance policy includes a specific condition: if an unnamed driver (someone not explicitly listed on your policy schedule) is involved in an accident while driving your car, you must pay a compulsory excess of RM400 before your claim is processed. The All Drivers add-on waives this compulsory excess, allowing any licensed driver to operate your vehicle with full coverage. While it is one of the most cost-effective add-ons available - and even offered free of charge by select insurers - it is often listed on policy quotes under technical phrasing like "waiver of compulsory excess for unnamed driver." This guide breaks down how the clause works, who needs it, and which insurance providers offer it free of charge.Read guideRenew Car Insurance and Road Tax Together
Insurance comes first, road tax second, and the order is not a preference. JPJ will not issue road tax for a vehicle that does not already have motor insurance in force. That is why the two renewals are usually done in one sitting: not for convenience, but because trying to do them separately, in the wrong order, is how people end up stuck halfway with an expired disc and a car they cannot legally drive.Read guideHow to Choose Car Insurance: What Matters at Claim Time
Every car on a Malaysian road must be insured, and your road tax cannot be issued without it. That part is settled by law. What is left to you is a set of decisions that most drivers make by default and regret at claim time: which level of cover to buy, what sum insured to declare, which add-ons to take, and whether to compare at all or simply renew with whoever you used last year. This guide walks through each of them in the order they actually matter.Read guideCar Insurance Claim Process
Most claims are weakened in the first day, not at the assessment. Two deadlines do the damage. The police report has to be lodged within 24 hours, and notice to your insurer is due within seven days, or thirty if you were hospitalised or physically disabled by the accident. Miss either and you hand the insurer a reason to reduce or decline the claim before an adjuster has even looked at the car. Everything else, the workshop, the excess, the payout, follows from getting those first hours right.Read guideRoad Tax Price by Engine Capacity: Full Table 2026
Road tax in Malaysia is charged on engine capacity, and the whole structure changes at 1,600cc. Below that line you pay a flat rate for the band and nothing else. Above it you pay a base rate plus a progressive charge on every cubic centimetre over the band's lower edge. That is why a 1.8 litre car costs roughly three times a 1.5, even though the engines are only 300cc apart. Peninsular Malaysia and East Malaysia are priced on separate schedules, and Sabah and Sarawak pay less at every level.Read guidePopular questions
Comprehensive gives the widest protection (your own car plus third-party claims). Third Party, Fire & Theft suits older cars that still want fire and theft cover. Third Party is the most basic. The right choice depends on your car's age, value, usage, and budget.
Premiums can change due to your sum insured, claims history, loss of NCD after a claim, add-ons, or insurer repricing. Compare quotes before renewing to check the difference.
No. Active motor insurance is required before you can renew your roadtax in Malaysia. Renew your insurance first, then your roadtax.
Make sure everyone is safe, take photos, exchange details, and lodge a police report within 24 hours. Then contact your insurer to start the claim.
Usually your IC, driving licence, police report, photos of the damage, and your policy details. Requirements may vary by insurer and claim type.