Car Insurance Renewal in Malaysia – Top FAQs (Made Simple!)

Think renewing car insurance is a hassle?
Not anymore.
With everything going digital, renewing your insurance and roadtax can now be done in minutes — no queues, no paperwork, no stress.

Still got questions? You’re not alone.
Here are the most frequently asked questions (with straightforward answers) to help you renew like a pro.

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1. When should I renew my car insurance?

Don’t wait until the very last day.
You can renew up to 60 days before your insurance expires. It’s best to renew early so your roadtax can be processed without delays.

2. Can I renew everything online?

Absolutely.
Platforms like BJAK, MyEG, and Pos Online let you renew your insurance, pay, and even have your roadtax delivered — all from your phone or laptop.

3. What’s NCD, and why does it matter?

NCD = No Claim Discount.
If you haven’t made any claims in the past year, you’re rewarded with a discount — up to 55% off your premium. That’s serious savings!

4. Do I have to renew insurance and roadtax together?

Not technically, but you can’t renew your roadtax unless your insurance is valid.
So yes, most people handle both at the same time — it’s quicker and easier.

5. What types of car insurance are there?

There are 3 main types:

Third Party – Cheapest, covers damage to others only
Comprehensive – Covers your car, the other party, and more
Third Party, Fire & Theft – Basic cover + protection against fire or theft

Tip: If your car is new or still under loan, go for comprehensive.

6. Can I pay in instalments?

Yes!
Many platforms now offer BNPL (Buy Now Pay Later) or EPP (Easy Payment Plans) so you can pay monthly instead of all at once.

Perfect for staying protected without breaking the bank.

7. What happens if I renew late?

Driving without valid insurance? Big mistake.
You risk:

Fines or summons by JPJ or police
No claim payouts if an accident happens
Inability to renew roadtax

Renew early, stay safe.

8. How can I check when my insurance expires?

Super simple. Use:

The MyJPJ app
MyEG
Or if you’re using BJAK, your vehicle details are all stored in your dashboard

9. Is it better to buy from a company directly, or use a platform?

Think of it like shopping — do you go brand by brand, or compare everything on one site?

Direct: Only see one brand, fewer options
Aggregator like BJAK: See multiple insurers, compare prices, benefits, and choose the best deal for you

10. What’s the difference between Takaful and normal insurance?

Functionally, they’re similar.
Takaful is Shariah-compliant, based on mutual help and shared responsibility.
It’s a great choice if you want Islamic protection for your vehicle.