Frequently Asked Questions

Easy! You can do it on bjak.my main page and we will assist you. You only need to tell us: Motor or Car plate number, IC number and postcode. We will then send you an email with the insurance quotation for motor and car insurance and roadtax. You may choose an insurance or takaful company that you prefer and proceed to pay.

• Syarikat Takaful Malaysia Berhad
• RHB Insurance Berhad
• Takaful Ikhlas General Berhad
• Allianz General Insurance Company (Malaysia) Berhad

Privacy Policy

Bjak.my sends timely reminders about motor insurance and road tax expiry via email and WhatsApp, we will ensure you stay informed and can renew their policies and road tax promptly.

All car and motorcycle owners are eligible to use this service.

With BJAK, you can renew car insurance and roadtax online. This service is hassle-free, time-saving, cost-effective and accessible at any time. The service is also suitable for motorcycles.

We provide insurance and road tax renewal services for all cars and motorcycles. However, for private cars used for e-hailing purposes, only insurance renewal services are available; road tax renewal services are not provided.

Every successful transaction will be issued with an e-Services receipt. If there are any matters or doubts about this service, you may contact us.

• VISA/Mastercard
• FPX (For example: Maybank2U, CIMB Clicks, RHB Now and others)
• Cash at 7-eleven
• Installment plan

During the roadtax renewal process, Road Transport Department (JPJ) online service will check any outstanding summons and blacklist records at both JPJ and PDRM database systems. In order to proceed with this renewal, it is necessary for you to make payment for all your outstanding traffic offences recorded.

Please check your email inbox for successful payment transactions.

There are a few possibilities if your payment is rejected. Depending on the exact situation, the problem may occur as a result of the following:

• Credit card - Due to your credit card status which you will need to refer to your credit card bank centre to ensure that it is valid.
• Intermittent System Interruption - Sometimes the system is at fault due to disruption of network or the entire system. If this occurs, please try the payment process again.

Refunds are typically processed within one working day. Customers can request refunds through customer service for prompt assistance.

Yes. Every successful transaction will be issued an e-Services receipt for reference. Please keep this receipt for future reference.

For assistance, you can reach out to our customer support team through various channels. We offer support via phone call at +60 3-9213 1717, WhatsApp at +60166999129, and email at support@bjak.my. Our dedicated team is available 24/7, including public holidays, to assist you with any queries or concerns you may have. Please don't hesitate to contact us for prompt assistance.

Yes, this Internet-based service is available 24 hours daily.

To submit a car insurance claim, you may follow the steps below

Step 1: Contact our 24-hour special hotline +60 3-9213 1717for professional assistance with your claim. Our team will guide you through the process and provide necessary support.

Alternatively, you may also contact your insurer hotline listed below.
• ALLIANZ – 1800-22-5542
• IKHLAS – 1800-88-1186
• RHB – 1300-880-881
• TAKAFUL MALAYSIA – 1800-888-788

Step 2: Provide all relevant details and documentation pertaining to the incident,including but not limited to, the incident report, photos, and any other requestedinformation.

Step 3: Our team will assess the claim promptly and recommend top-tier panelworkshops for repair, if necessary.

Step 4: Upon approval of the claim, our dedicated claim support team will ensurefast processing and aim for a successful resolution.

At BJAK, we prioritize every customer's experience and strive to provide efficient and professional assistance throughout the claims process.

We provide you a list of car insurance quotations in 5 minutes. You can compare the car insurance and find the best car insurance easily.

Vehicle insurance provides financial protection against loss or damage resulting from accidents, theft, or natural disasters involving your vehicle.

In Malaysia, there are two main types of car insurance available: Comprehensive and Third-Party insurance. Comprehensive insurance covers both your vehicle and third parties.

First-party insurance (also known as comprehensive) offers full protection for both you and third parties. This includes accidents, fire, and theft. If you're involved in an accident or your car is stolen, you can file a claim with your insurance company. Even if the accident is your fault and another vehicle is involved, the third party can still claim through your policy. On the other hand, third-party insurance only protects third parties — meaning other people, not you. For example, if you accidentally hit another car on the highway, your insurance company will cover the compensation for the other party. However, any damage to your own vehicle will not be covered and must be borne by you.

Car insurance must be renewed annually before its expiry date. However, you can also renew your insurance early, usually up to two months before it expires. Doing so will not affect your current policy, which will remain valid until its original end date. The renewed policy will take effect only after the current policy ends.

You can check it via MyCarInfo, the JPJ system, or by contacting your insurance provider.

Roadtax is an annual tax that must be paid to legally operate a vehicle on Malaysian roads.

You can renew it through the BJAK platform by adding the roadtax renewal as an add-on when purchasing your insurance — all in one quick and easy transaction.

No, roadtax can only be renewed after your insurance has been successfully renewed and is active.

Your vehicle is not allowed on the road, and you may be fined by the Road Transport Department (JPJ).

The roadtax is usually valid for either 6 or 12 months, depending on your choice during renewal. However, if you renew through the BJAK platform, only the 12-month (1-year) option is currently available.

Only if your roadtax has expired for more than a year or if there are changes to your vehicle’s structure.

Yes, as long as you have complete documentation and written consent.

You can check through the MyJPJ app or via confirmation email/SMS from BJAK.

Physical roadtax is a printed sticker affixed to the vehicle’s front windscreen as proof that roadtax has been paid. Digital roadtax, on the other hand, is online proof verified through the JPJ system — no physical sticker is required.

Yes, unpaid summonses can block the roadtax renewal process.

We offer 8 different payment methods, including 3 full payment options and 5 installment plans. Full payment can be made online using credit or debit cards, via FPX (online banking), or in cash at 7-Eleven or KK Mart stores. For installment payments, you can choose from Easy Payment Plan (EPP) for credit cards, Atome, SPayLater, GrabPayLater, RiiPay, and AhaPay.

Yes, BJAK offers six types of installment payment options. The Easy Payment Plan (EPP) is available for credit card holders from CIMB, Ambank, Public Bank, UOB Bank, OCBC, Affin Bank, HSBC, Standard Chartered, Hong Leong, RHB, and Maybank. Atome supports credit or debit cards with a 3-month installment option. GrabPayLater offers a 4-month plan, while SPayLater allows installment terms ranging from 2 to 12 months. RiiPay is available for 3-month installments using debit or credit cards, and AhaPay supports 4-month installments with both debit and credit cards.

Yes, BJAK uses banking-grade encryption and secure technology to protect user information during online transactions.

Some banks or platforms may apply a processing fee of 1% to 2%. Please check with BJAK's customer service team before making payment to confirm any potential charges.

Currently, BJAK does not support e-wallet payments.

First, check your bank account for the transaction status. If the amount was deducted but you did not receive a confirmation, contact BJAK’s customer service team for assistance.

Yes, an email containing your receipt and payment confirmation will be sent to you once the transaction is successfully completed.

No, once your order is submitted and payment is made, the payment method cannot be changed.

Contact the customer service center for verification. If the duplicate payment is confirmed, the excess amount will be refunded.

Yes, you can use another person’s credit card with their permission, as long as the insurance policy remains under the name of the vehicle owner.

BJAK VIP is a premium service that offers a more convenient, faster, and exclusive experience when renewing your insurance and roadtax. It includes one-to-one customer assistance for a personalized and stress-free process.

With BJAK VIP, you receive personal customer assistance (1-to-1 service), physical delivery of your roadtax and policy documents to your home, office, or MyJPJ app, and fast online service without the need to queue or visit counters. Your documents are handled thoroughly by the BJAK team, and you will receive real-time updates via WhatsApp and email. The BJAK customer service team who communicates with you via WhatsApp or phone are real agents — not automated messages or chatbots.

Road Assist includes support for flat tyres (replacement only, no spare tyre provided), fuel delivery up to 3 litres (fuel not included), battery delivery (purchase required), and basic troubleshooting for issues like engine failure (excluding towing or major breakdowns).

All calls are answered within 10 seconds by real people, not machines. This service is available to all BJAK customers, 24 hours a day, 7 days a week.

Your car will be sent to a panel workshop, and you may request a replacement car during the claims process. Replacement car availability is subject to approval and repair duration.

Once complete documents are submitted, BJAK will handle your claim professionally. The claim process typically takes 5 working days, depending on policy terms and claim type.

By subscribing to the BJAK VIP plan, you gain access to exclusive perks and events. These benefits are available to active VIP customers, and invitations depend on your location and event availability.

VIP Rescue provides towing services anywhere, anytime with no distance limit. Each VIP Rescue subscription allows for one (1) towing request. There are no restrictions on distance or location, as long as it falls within BJAK’s coverage area. A dedicated BJAK hotline will dispatch help directly to your location. You can track the tow truck in real-time via WhatsApp. Misuse or repeated requests may void the service.

This coverage offers protection for vehicles up to 15 years old, specifically for engine and transmission damage. Repair costs will be covered up to the plan's specified limit. It does not cover wear and tear, accidents, or damage from misuse. Claims must be submitted through BJAK’s official channels and are subject to inspection. The protection limit, duration, and covered components depend on your subscription plan. Only one claim is allowed, up to a maximum of RM1,000.

Yes, the VIP service is currently available in Peninsular Malaysia.

The additional charge for the BJAK VIP Rescue service is only RM59.90.

You can add the “BJAK VIP” option during your purchase process before making payment on the BJAK.my website. For further assistance, you may contact BJAK’s customer support team via WhatsApp.

Delivery usually takes between 1 to 3 working days after payment is completed and document verification is successful.

Yes. Once payment is completed and your insurance and roadtax are activated, BJAK will send your policy via email. For roadtax, you can choose between the digital version (via the MyJPJ app) or physical delivery to your provided address.

Contact BJAK customer service immediately through official channels. They will help track the delivery status and resolve any issues.

Cancellations are only allowed before the delivery process begins. A processing fee may apply. Please contact BJAK as soon as possible for assistance.

If you need any assistance, BJAK’s live agents are ready to help. Simply WhatsApp or call them to get support throughout your claims process.

First, contact your insurance company immediately. Then, file a police report within 24 hours of the incident. Submit all required documents to begin the claim process.

You will need a police report, a copy of your identification card, a copy of your driving license, photos of the damage, your vehicle registration certificate (grant), and the insurance claim form.

The processing time varies depending on the case. It usually takes between 7 to 30 working days.

Not all policies allow this. You must check your policy terms. If it's not permitted, you’ll need to cover the repair costs yourself and request a reimbursement — only if eligible.

Take clear photos of the incident, exchange information with the other party, file a police report within 24 hours, and then contact your insurance provider.

Yes, if you file a claim under your own policy. However, if the claim is made under a third party’s insurance, your NCD will remain unaffected.

Yes, if you have purchased the windscreen protection add-on.

You can only claim for flood-related damages if you have added natural disaster coverage to your policy. A police report and evidence of damage are required for the claim.

You can contact your insurance agent or check the status through your insurer’s official online portal.