Quotes, pricing and fees

Quotes from BJAK's panel are shown in random order by default. You can sort and filter them by premium, coverage, takaful options, approval availability and other preferences.

Within the comparison panel, an insurer does not receive a higher default position because it pays BJAK more. Customers remain in control of the sorting and filters they use.

Insurers assess risk and pricing differently. Your vehicle, No-Claim Discount, selected coverage, add-ons and current insurer rates can all affect the final premium.

Before payment, you can review the premium, No-Claim Discount, applicable tax, roadtax, optional add-ons and any payment-provider fee. The total is shown before you confirm.

BJAK may receive a commission from the insurer or takaful operator when a policy is purchased through the platform. Any separate instalment-provider fee or optional service charge is shown before payment.

Your policy is active once the insurer or takaful operator has issued it and its effective date has started. Payment alone does not make you covered: payment triggers issuance, and issuance creates the cover.

Check your issued documents against five things: the insurer's name, the policy or certificate number, your vehicle and personal details, the coverage dates, and the sum insured. The definitive confirmation always comes from the provider named on the document.

You should receive a payment confirmation from BJAK and a cover document issued by your insurer or Takaful operator - specifically, an e-cover note followed by a policy schedule or Takaful certificate. If your purchase included road tax renewal, you will also receive a road tax confirmation. The payment receipt serves as proof of payment, whereas the cover document proves that active coverage exists and should be reviewed carefully.