If you get yourself ready, renewing car insurance and roadtax is actually pretty straightforward. A checklist helps so you don’t skip anything important and end up with problems later. This guide walks Malaysian drivers through every essential step jotting down the checklist before renewing car insurance.
Checklist Before Renewal
| Step | What to Check | Notes |
| 1 | Check existing policy | Ensure expiry date, coverage type, and current NCD are correct |
| 2 | Check outstanding fines | Settle JPJ fines if any to renew roadtax |
| 3 | Check roadtax (digital/physical) | Ensure no technical issues when renewing online |
| 4 | Compare premiums & benefits | Use platforms like Bjak for quick comparison |
| 5 | Verify vehicle & owner details | Ensure plate number, car type, and owner info are correct |
| 6 | Consider add-ons / VIP Rescue | e.g., towing, roadside assistance, additional coverage |
| 7 | Choose payment method | Online (Bjak/MyEG) or physical (JPJ/Pos Malaysia) |
| 8 | Receive & store documents | Cover note or full policy for reference and JPJ roadblocks |
Tips for a Smooth Renewal
- Renew early: Avoid expiry, fines, or losing NCD.
- Use trusted platforms: Bjak simplifies insurance and roadtax renewal online.
- Keep digital receipts: Payment proof helps with claims or verification.
- Check e-cover note: Ensure it’s valid if the full policy hasn’t been issued.
- Plan your budget: Know premium amounts and roadtax fees before renewing.
FAQ
Q1: Can I renew insurance if there are outstanding Police fines?
A: Yes, insurance can still be renewed even with Police fines.
Q2: Can I renew roadtax if there are JPJ fines?
A: No, all JPJ fines must be cleared before roadtax can be issued.
Q3: Do I need to visit JPJ in person if I use Bjak?
A: No, Bjak allows you to renew both insurance and roadtax online without visiting physically.
Conclusion
Having a checklist before renewing car insurance and roadtax just makes things easier — faster, safer, and without all the usual hassle.. Check your policy, fines, roadtax, and vehicle details, and use platforms like Bjak to renew online easily.
Read More:
7 Tips to Get Cheaper Car Insurance in Malaysia
