Why You Might Need to Renew Without a Credit Card
Not every motorcycle owner has access to a credit card — and that’s okay. Whether you’re a student, gig worker, or simply prefer other payment methods, you can still renew your motorcycle insurance without one.
Thanks to digital platforms and offline services, paying for insurance has become more flexible in Malaysia.
Step-by-Step Guide (Online via Bjak)
- Go to Bjak.my
- Enter your motorcycle registration number
- Choose your preferred insurance provider
- Select coverage and add-ons (if needed)
- Choose a payment method other than credit card (e.g. FPX, e-wallet)
- Complete the payment and receive your policy via email or WhatsApp
Tip: Bjak also allows you to renew your road tax at the same time.
What You’ll Need to Renew
To renew your insurance (with or without credit card), prepare the following:
- NRIC (for identity verification)
- Motorcycle registration number
- Existing insurance details (optional)
- A valid debit card, online banking account, or e-wallet
FAQs
1. Can I still get a discount (NCD) without using a credit card?
Yes. Your No Claim Discount (NCD) is based on your insurance history, not your payment method.
2. Will my policy be issued instantly?
If all details are correct and payment is successful, most platforms like Bjak issue your policy immediately.
3. Can I renew for someone else?
Yes, as long as you have their vehicle and personal information. Make sure the payment method matches your name or business account if needed.
Conclusion
You don’t need a credit card to renew your motorcycle insurance in Malaysia. Choose the method that’s most convenient and secure for you. If you prefer speed and flexibility, platforms like Bjak let you handle everything online without needing a credit card.
Read More:
MSIG Preferred, How Does One Renew?
