Renewing roadtax and car insurance is a yearly obligation for all vehicle owners in Malaysia. However, many are unsure about the actual cost if they choose comprehensive insurance.
The answer depends on various factors such as vehicle type, engine capacity, NCD discount, location, and platform used.
1. What Is Comprehensive Insurance?
Comprehensive insurance is the most complete form of protection. It covers not only third-party liabilities but also your own vehicle. It usually includes:
- Damage caused by accidents, theft, fire, or natural disasters
- Third-party liabilities
- Optional add-ons like flood protection, windscreen cover, and unlimited towing
It is ideal for modern car owners who want more protection than third-party plans.
2. Estimated Cost: Roadtax + Comprehensive Insurance
3. Possible Additional Charges
Here are other optional or incidental charges that may apply:
4. How to Save on Renewal Costs
To reduce your annual renewal expenses, consider the following tips:
- Maximize your No Claim Discount (NCD) of up to 55%
- Compare prices on platforms like JPJ, Bjak, and MyEG
- Choose digital roadtax to avoid physical delivery fees
- Only select additional coverage if necessary
These steps can help you save hundreds every year while maintaining essential protection.
Conclusion
The total cost of renewing roadtax and comprehensive car insurance varies depending on your vehicle type and personal profile. For most car owners, the annual cost ranges from RM800 to RM1,500.
With early planning and the right renewal platform, you can enjoy full coverage at a better price.
Read More:
Easy Car Insurance & Roadtax Renewal Guide for Penang Residents
