Introduction
Many drivers renew their car insurance only at the last minute. In fact, there is a best time to renew car insurance that can help you save costs, keep your NCD, and avoid extra charges. This guide explains the right timing to renew and additional tips so you don’t lose out.
Best Time to Renew Car Insurance
1. One Month Before Expiry
- Enough time to compare prices & panels
- Avoid last-minute renewals
- More online promotions (e.g., BJAK, MyEG)
2. Seasonal Campaign Promotions (e.g., 10.10, 11.11, New Year)
- Online often offer promotional campaigns
- Best for those who want to maximize savings
3. Before Roadtax Expiry
- Don’t wait until roadtax lapses
- If late, you may face penalties and cannot drive your car legally
4. Before NCD Reset
- NCD (No Claim Discount) can reach up to 55%
- If you make a claim or renew late, you may lose this discount
Quick Table: When to Renew Insurance
| Renewal Timing | Advantages | Risks If Late |
| 1 Month Early | Can compare prices & avoid stress | None |
| Sales Promotions | Extra discounts & giveaways | Limited to promo dates |
| Before Roadtax Expiry | Avoid penalties & summons | Risk of fines |
| Before NCD Reset | Keep discount up to 55% | Lose NCD if claim/late |
FAQ: Car Insurance Renewal
1. If I renew early, when does the new policy start?
Your new policy will still begin from the expiry date of the old policy, so you won’t lose any coverage days.
2. Is car insurance cheaper if I renew earlier?
Yes, because you have more choices & promotions compared to last-minute renewal.
3. Can I renew insurance by installment?
Yes, platforms like BJAK offer installment plans from as low as RM50/month.
Conclusion
To save and avoid problems, the best time to renew car insurance is one month before expiry, during promotions, or before your NCD resets. By following these steps, you not only ensure valid protection but also enjoy a better price.
Read More:
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