Introduction
Yes — you can actually renew car insurance without agent, and it’s easier than most people think. No middleman, no hidden fees, just you handling the whole process online. The flow is pretty straightforward: check your car details, compare policies, make payment, and the cover note arrives instantly. The only catch? Stick with the official platforms and avoid shady links.
Agent vs DIY: Quick Comparison
| Point | With Agent | Without Agent (DIY) |
| Cost | Extra commission fees | Pay insurance price only |
| Process | Agent handles everything | You fill in yourself, faster |
| Speed | Depends on agent | Immediate (online) |
| Control | Limited to agent’s options | Full freedom to choose company |
Steps to Renew Without Agent
- Check Vehicle Details
Make sure plate number, IC/passport, and model are correct in JPJ/insurance system. Wrong data can delay your policy. - Compare Policy Prices
Use platforms like Bjak to pull multiple quotes side by side. Saves time and shows the best fit for your budget. - Choose the Right Coverage
- Comprehensive (1st party) → wider protection, includes perks like Bjak VIP towing.
- Third party → basic, cheapest option.
- Comprehensive (1st party) → wider protection, includes perks like Bjak VIP towing.
- Make a Safe Payment
Only pay via official portals. Ignore weird SMS/WhatsApp links that look too good to be true. - Receive Policy & Cover Note
Usually sent instantly via email/WhatsApp. If there’s a record issue or coverage gap, it may take a few days.
Official Platforms You Can Use
- JPJ/MyJPJ → Direct government system.
- MyEG → Trusted online portal for renewals.
- Pos Malaysia → Walk-in counters that also handle insurance + roadtax.
- Bjak → Easy to compare prices, option to renew roadtax together (RM10 fee for physical delivery).
Tips to Avoid Scams
- Double-check the website URL (https + official domain).
- Never share OTP or card details with anyone.
- Keep receipt and cover note in email/WhatsApp.
- Stay away from social media ads offering “unreal cheap” insurance.
FAQ
1. Is it safe to renew car insurance without agent?
Yes. As long as you use official platforms like JPJ/MyJPJ, MyEG, Pos Malaysia, or Bjak.
2. Do I still need to go to JPJ if I renew online?
No. Everything can be done online, unless there’s a special issue.
3. Does Bjak charge extra?
Digital roadtax is free. The only extra cost is around RM10 if you want the physical roadtax delivered.
4. Is coverage active right after payment?
Usually yes. But if there’s a record error or gap in insurance, it might take a few working days.
Conclusion
In short, choosing to renew car insurance without agent saves you money, gives you more control, and gets things done faster. Just make sure to stick with official platforms like JPJ/MyJPJ, MyEG, Pos Malaysia, or Bjak so your coverage is valid and safe.
Read More:
Car Insurance Claim Process For Minor Accidents
How to Check Your NCD(No Claim Discount Before Renew Insurance
