Comprehensive car insurance for the BAIC BJ40 Plus (body-on-frame 4x4 SUV; launched price ~RM188,000 in Peninsular Malaysia) typically costs about RM2,600-RM4,200 per year for a new car with 0% NCD. Premiums reduce as your NCD builds to 55%. Indicative estimate — get a quote from insurers or the BAIC Malaysia dealer. Price from BAIC Malaysia (launch estimate).