Renewing your car insurance before it expires is crucial to ensure continuous protection and avoid fines or loss of your No Claim Discount (NCD). This guide walks Malaysian drivers to renewing car insurance for quick and hassle-free process.
Steps to Renew Car Insurance Near Expiry
| Step | What to Check | Notes |
| 1 | Check policy expiry date | Mark your calendar 1–2 weeks before expiry |
| 2 | Check NCD (No Claim Discount) | Ensure your current NCD is preserved during renewal |
| 3 | Check outstanding fines / roadtax | Settle any JPJ fines to avoid issues |
| 4 | Compare premiums & benefits | Use platforms like Bjak for quick comparisons |
| 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 | Keep cover note or full policy for reference |
Tips for a Smooth Renewal
- Renew early: Avoid expiry to maintain NCD and continuous coverage.
- Use online platforms: Bjak simplifies car insurance purchase and renewal.
- Check policy details: Ensure coverage suits your car type and budget.
- Keep digital receipts: Proof of payment helps with claims or JPJ roadblocks.
- Plan your budget: Know premium amounts and extra costs before renewing.
FAQ
Q1: Can I renew insurance if it’s almost expired?
A: Yes, but it’s best to renew 1–2 weeks before expiry to maintain protection.
Q2: What happens if I renew late?
A: Coverage will lapse, NCD may be lost, and you risk fines if driving uninsured.
Q3: Can I renew online?
A: Yes, platforms like Bjak allow fast and safe online renewal.
Conclusion
Renewing your car insurance before it expires is the best option to ensure that your coverage is always ready to avoid finds and the loss of your NCD. check your policy expiry dates, set reminders, use online platforms like Bjak to renew your insurance 2 months before expiry swift and security.
Read More:
Best Time to Renew Car Insurance to Save Costs
