Renewing your car insurance may seem like an easy and simple task to do. However, simple and easy would lead to being lax which results in making mistakes that jeopardizes the whole purchase of increased premium or missed coverage. Follow these tips within this article to avoid mistakes when renewing car insurance for a smoother process.
Common Mistakes During Renewal
| Mistake | Impact | How to Avoid |
| Not checking policy expiry date | Coverage lapses, risk of fines or loss of NCD | Mark expiry date and renew early |
| Not checking fines / roadtax | Roadtax cannot be issued if JPJ fines exist | Settle all fines before renewal |
| Not checking current NCD | Loss of NCD or recalculated discount | Verify NCD during renewal to maintain discount |
| Not comparing premiums & benefits | Paying more or insufficient coverage | Use platforms like Bjak for quick comparisons |
| Wrong vehicle or owner information | JPJ may reject roadtax or claims | Check plate number, car type, and owner info |
| Forgetting add-ons | Missing additional coverage, higher risk | Consider add-ons like VIP Rescue / roadside assistance |
| Not storing documents | Harder to make claims or show proof | Keep cover note / full policy in digital & physical form |
Tips to Avoid Mistakes When Renewing
- Renew early: Avoid expiry and maintain NCD.
- Use online platforms: Bjak simplifies checking, comparing, and renewing quickly.
- Check all details carefully: Ensure vehicle and owner information is accurate.
- Plan your budget: Compare premiums and add-ons for complete coverage without overspending.
- Keep all documents: Cover note and full policy should be kept as valid proof.
FAQ
Q1: What is the most common mistake when renewing insurance?
A: Failing to check the policy expiry date and NCD is the most frequent mistake.
Q2: Can I renew if I have JPJ fines?
A: Yes, insurance can still be renewed, but roadtax cannot be issued until JPJ fines are settled.
Q3: Do online platforms help avoid mistakes?
A: Yes, platforms like Bjak make it easier to check details, compare premiums, and renew safely and quickly.
Conclusion
Avoid common mistakes when renewing car insurance by checking policy expiry, fines, NCD, and vehicle information. Use platforms like Bjak for comparison, purchase, and renewal quickly, safely, and without risk.
Read More:
How to Check Car Insurance Price Online Before Renewal
