Is buying car insurance online cheaper than through an agent?

Yes, typically 10–15% cheaper because there is no agent commission. Online platforms also let you compare multiple insurers at once, so you can find the lowest price for the same coverage.

Which is better — Bjak or Shopee for car insurance?

Bjak is better if you want the widest comparison (16 insurers) and lowest price. Shopee is better if you want to pay in monthly installments (SPayLater) or prefer the Shopee ecosystem. Both are legitimate BNM-regulated platforms.

Do I need to renew road tax at the same time?

No, road tax and car insurance are separate. You can buy insurance online first, then renew road tax separately at MyEG, JPJ counters, or Pos Malaysia using the e-policy as proof of insurance.

Can I pay car insurance in installments in Malaysia?

Yes — Shopee Pay offers SPayLater installments for 3, 6, or 12 months. Most other platforms require full payment upfront. Some credit cards also offer 0% installment plans for insurance purchases.

Car Insurance Guide

Buy Car Insurance Online Malaysia 2026

Skip the agent — compare 16 insurers and get covered in 10 minutes

How do I buy car insurance online in Malaysia?

You can buy car insurance online in Malaysia in 3 steps: (1) Go to a comparison platform like Bjak.my or Shopee Pay — enter your car plate number and IC, (2) Compare quotes from multiple insurers side by side, (3) Pay online and receive your e-policy within minutes. No agent, no paperwork, no waiting. Bjak compares 16 BNM-licensed insurers simultaneously. Shopee Pay offers Allianz, Zurich, and Takaful Ikhlas with SPayLater installments. Both issue same-day digital policies valid for road tax renewal.

Updated 2026 • Malaysia • Sources: Bank Negara Malaysia, Bjak.my, Shopee Pay Insurance

Online vs Agent: Key Differences

Buy Online

✓
Compare 16 insurers in 3 minutes
✓
Lowest price — no agent commission markup
✓
Same-day e-policy issued instantly
✓
SPayLater installments via Shopee
✓
Valid for JPJ road tax renewal
✓
Renew anytime, 24/7

Buy via Agent

✗
Price fixed — cannot compare across insurers
✗
Commission adds 10–15% to premium
✗
Takes days to process paperwork
✗
Office hours only
✓
Claims support from agent (if good)
✓
Handles complex modifications or high-value cars

Best Platforms to Buy Car Insurance Online in Malaysia

Platform	Insurers	Best For	Installments
Bjak.my	16 insurers	Widest comparison, cheapest quotes	No
Shopee Pay	Allianz, Zurich, Zurich Takaful, Takaful Ikhlas	SPayLater 3–12 months + RM25 cashback	Yes — SPayLater
PolicyStreet	10+ insurers	Comprehensive add-ons selection	No
MyEG	5–6 insurers	Bundle with road tax renewal	No
Direct insurer sites	1 insurer each	Existing customers only	Some

All platforms issue BNM-regulated e-policies valid for JPJ road tax renewal.

How to Buy Car Insurance Online — Step by Step

Go to Bjak.my or Shopee Pay

Bjak compares the most insurers (16). Shopee is best if you want to pay in installments via SPayLater.

•Have your car plate number ready
•Have your IC number ready
•Know your NCD percentage (check at mydata.ism.com.my)

Enter your car details

Input your plate number and IC. The platform auto-fills your car make, model, year, and current NCD from the JPJ/ISM database.

Choose your coverage type

Select Comprehensive (own damage + third party) or Third Party (minimum legal requirement). Comprehensive is recommended for cars under 10 years old.

Compare quotes and pick a plan

Bjak shows all 16 insurer quotes sorted by price. Check the panel workshop count and add-ons included before deciding — cheapest isn't always best.

•Allianz: 900+ workshops
•Zurich: 600+ workshops, free 24/7 towing
•Etiqa: strong claims reputation

Add riders if needed

Consider adding: Special Perils (flood coverage) for RM50–100/year, NCD Protector for RM80–150/year, Windscreen coverage for RM50–120/year.

Pay and receive e-policy

Pay by FPX, credit card, or SPayLater (Shopee only). Your e-policy is emailed within minutes and is immediately valid for road tax renewal at MyEG or JPJ counters.

Shopee Pay: Best for Installment Buyers

If paying the full premium upfront is a strain, Shopee Pay lets you split into 3, 6, or 12 monthly installments via SPayLater. Covers Allianz, Zurich, Zurich Takaful, and Takaful Ikhlas. Buy via our referral link and get RM25 cashback into your Shopee wallet. Fees: 3% for 3 months, 1.5%/month for 6 or 12 months.

What You Need to Buy Online

🪪

IC Number

Your MyKad number — auto-fills your details

🚗

Car Plate Number

Auto-pulls make, model, year from JPJ

📊

Current NCD %

Check free at mydata.ism.com.my if unsure

💳

Payment method

FPX, credit card, or SPayLater (Shopee)

Compare Car Insurance Prices

Get instant quotes from 16 insurers — Allianz, Zurich, Etiqa, AXA, MSIG & more. No sign-up needed.

Compare Now on Bjak

16 insurers · Instant quote · No agent needed

Buy Car Insurance Online Malaysia FAQ

Yes. All major online platforms (Bjak, Shopee Pay, PolicyStreet, MyEG) issue e-policies instantly after payment. Your coverage starts immediately and the e-policy is valid for road tax renewal at MyEG or JPJ counters the same day.

Related Guides

Best Car Insurance Malaysia 2026

Full ranked comparison of all top insurers

Cheapest Car Insurance Malaysia

Tips to get the lowest possible premium

Shopee Car Insurance Review

SPayLater installments with Allianz, Zurich & Takaful

Beli Insurans Kereta Online (BM)

Panduan langkah demi langkah dalam Bahasa Malaysia

How to Check Your NCD

Know your NCD before you compare quotes

Car Insurance Renewal Guide

Step-by-step renewal checklist

Compare & Buy Car Insurance Online Now

Bjak compares 16 insurers in 3 minutes. Or buy on Shopee with SPayLater installments.

Compare on Bjak Buy on Shopee