Terms of Service

1. Acceptance of Terms

By accessing and using CarInsuranceMY (carinsurancemy.com), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this website.

2. Nature of the Service

CarInsuranceMY is an independent information and comparison platform. We are not an insurance company, insurance broker, or financial advisor. We do not:

• Sell or underwrite insurance policies
• Process insurance claims
• Provide personalised financial or insurance advice
• Act as an intermediary in insurance transactions

All insurance products and services are provided by Bank Negara Malaysia (BNM) licensed insurance companies. Transactions occur directly between you and the insurer or comparison platform.

3. Information Accuracy

We strive to maintain accurate, up-to-date insurance information. However:

• Insurance prices shown are estimates and reference ranges only, not guaranteed quotes
• Actual premiums are determined by individual insurers based on your specific vehicle, driving history, NCD, and other factors
• Insurance regulations, products, and pricing change frequently — always verify current terms with your chosen insurer
• We update content regularly but cannot guarantee all information is current at the time of your visit

4. Affiliate Disclosure

CarInsuranceMY participates in affiliate programmes. We earn commissions when users purchase insurance through our partner links to:

• Bjak (bjak.my) — car and motorcycle insurance comparison
• Shopee Insurance — car insurance with installment payment

These commissions help fund our free comparison service. They do not influence our editorial content, reviews, or rankings. Affiliate links are identified with rel="sponsored" in our HTML. Our content reflects our independent assessment of each insurer.

5. Advertising

This site displays advertisements served by Google AdSense. Ad content is determined by Google and may be based on your browsing history and interests. CarInsuranceMY does not control the content of these advertisements. For questions about ad personalisation, visit Google's ad settings at google.com/settings/ads.

6. Limitation of Liability

CarInsuranceMY is provided "as is" without warranties of any kind. To the fullest extent permitted by Malaysian law, we disclaim all liability for:

• Decisions made based on information on this site
• Accuracy or completeness of insurance pricing information
• Actions or omissions of third-party insurers or comparison platforms
• Technical errors, downtime, or inaccessibility of the site
• Loss or damage of any kind arising from use of this site

You agree to independently verify all insurance information before making a purchase decision.

7. Intellectual Property

All content on CarInsuranceMY — including text, guides, data tables, and graphics — is the property of CarInsuranceMY unless otherwise stated. You may not reproduce, distribute, or commercially exploit our content without prior written permission.

Publicly available data sourced from government agencies (e.g., data.gov.my, PDRM, JPJ) is used under the applicable open data licences (Creative Commons Attribution CC BY 4.0 where applicable). Attribution is provided where data is reproduced.

8. User Conduct

By using this site, you agree not to:

• Scrape or systematically extract data from our site without permission
• Attempt to interfere with site operations or security
• Use our content for commercial purposes without written authorisation
• Misrepresent our content or data to third parties

9. Links to Third-Party Sites

Our site links to third-party websites (Bjak, Shopee, insurer websites, government portals). These links are provided for convenience. CarInsuranceMY is not responsible for the content, accuracy, or privacy practices of third-party sites. Visiting third-party sites is at your own risk.

10. Governing Law

These Terms of Service are governed by the laws of Malaysia. Any disputes arising from use of this site shall be subject to the exclusive jurisdiction of Malaysian courts.

11. Changes to Terms

We may update these Terms of Service from time to time. Continued use of the site after changes constitutes acceptance of the updated terms. The "Last updated" date at the top of this page indicates when changes were last made.

12. Contact

For questions about these Terms of Service, contact us at hello@carinsurancemy.com.