{"id":51586,"date":"2025-09-17T22:45:00","date_gmt":"2025-09-17T14:45:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51586"},"modified":"2025-10-29T18:30:31","modified_gmt":"2025-10-29T10:30:31","slug":"how-to-transfer-car-insurance-policy-when-selling-a-vehicle","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-car-insurance-policy-when-selling-a-vehicle","title":{"rendered":"How to Transfer Car Insurance Policy When Selling a Vehicle"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d49f79f1fd7\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d49f79f1fd7\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-car-insurance-policy-when-selling-a-vehicle\/#Introduction\" title=\"Introduction\">Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-car-insurance-policy-when-selling-a-vehicle\/#Can_the_Policy_Be_Transferred\" title=\"Can the Policy Be Transferred?\">Can the Policy Be Transferred?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-car-insurance-policy-when-selling-a-vehicle\/#What_Are_the_Options\" title=\"What Are the Options?\">What Are the Options?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-car-insurance-policy-when-selling-a-vehicle\/#Steps_to_Transfer_or_Cancel_Policy\" title=\"Steps to Transfer or Cancel Policy\">Steps to Transfer or Cancel Policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-car-insurance-policy-when-selling-a-vehicle\/#Example_Scenario\" title=\"Example Scenario\">Example Scenario<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-car-insurance-policy-when-selling-a-vehicle\/#FAQ\" title=\"FAQ\">FAQ<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-car-insurance-policy-when-selling-a-vehicle\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Thinking of selling your car but still have months left on your insurance? Don\u2019t worry \u2014 you have options. Many drivers don\u2019t realize that it\u2019s possible to handle insurance wisely during the sale. This guide explains <strong>how to transfer car insurance policy when selling a vehicle<\/strong>, including whether you can move it, what documents are needed, and other choices like refunds or transferring your NCD (No Claim Discount).<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Can_the_Policy_Be_Transferred\"><\/span><strong>Can the Policy Be Transferred?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In Malaysia, car insurance is tied to both the <strong>vehicle and the owner<\/strong>. Once the car is sold, the policy cannot simply follow the car to the new owner. Instead, you have three main choices:<\/p>\n\n\n\n<ul><li>Cancel the policy.<br><\/li><li>Request a prorated refund.<br><\/li><li>Transfer your NCD to a new car.<br><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51624\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-car-insurance-policy-when-selling-a-vehicle\/attachment\/4-37\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-37-scaled.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"4-37\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-37-scaled.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-37-scaled.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-37.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing car insurance policy options when selling a car.\n\n\" class=\"wp-image-51624\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-37-scaled.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-37-scaled.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-37-scaled.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-37-scaled.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-37-scaled.jpg?resize=2048%2C1295&amp;ssl=1 2048w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-37-scaled.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_Are_the_Options\"><\/span><strong>What Are the Options?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><tbody><tr><td><strong>Option<\/strong><\/td><td><strong>What It Means<\/strong><\/td><td><strong>When to Choose<\/strong><\/td><\/tr><tr><td>Cancel the Policy<\/td><td>End the policy immediately.<\/td><td>If you no longer own any car.<\/td><\/tr><tr><td>Prorated Refund<\/td><td>Get a refund for the unused months.<\/td><td>If you sell early into the coverage period.<\/td><\/tr><tr><td>Transfer NCD<\/td><td>Move your accumulated No Claim Discount to your new vehicle.<\/td><td>If you\u2019re upgrading to another car.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Steps_to_Transfer_or_Cancel_Policy\"><\/span><strong>Steps to Transfer or Cancel Policy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Prepare your documents<\/strong><strong><br><\/strong><ul><li>Car sale agreement or proof of ownership change.<br><\/li><li>Original insurance policy.<br><\/li><li>NRIC copy.<br><\/li><\/ul><\/li><li><strong>Contact your insurer<\/strong><strong><br><\/strong> Visit the branch or use online service channels.<br><\/li><li><strong>Complete the request<\/strong><strong><br><\/strong> Submit the cancellation or NCD transfer form.<br><\/li><li><strong>Process confirmation<\/strong><strong><br><\/strong> Insurer will issue confirmation of refund or transfer.<br><\/li><li><strong>Update JPJ records<\/strong><strong><br><\/strong> Ensure the vehicle ownership transfer matches your insurance changes.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Example_Scenario\"><\/span><strong>Example Scenario<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Aisyah sold her old sedan in June but still had 6 months left on her policy. Instead of letting it go to waste, she requested a prorated refund and moved her NCD to her new SUV. Result: she saved money and didn\u2019t lose her 55% discount.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ\"><\/span><strong>FAQ<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. Can I transfer my insurance directly to the buyer?<\/strong><strong><br><\/strong> No. The new owner must buy their own policy.<\/p>\n\n\n\n<p><strong>2. How long does an NCD transfer take?<\/strong><strong><br><\/strong> Usually 1\u20133 working days, depending on the insurer.<\/p>\n\n\n\n<p><strong>3. Do all insurers give refunds?<\/strong><strong><br><\/strong> Yes, most do \u2014 but only if you cancel early and provide proof of sale.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When selling a car, don\u2019t let your insurance go to waste. Learn <strong>how to transfer car insurance policy when selling a vehicle<\/strong> by checking your options: cancel the policy, request a refund, or move your NCD to your next car. With the right steps and documents, you can save money and protect your discount for the future.<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=how-to-transfer-car-insurance-policy-when-selling-a-vehicle\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-online-car-insurances-makes-installment-payments-easier\">How Online Car Insurance Makes Installment Payments Easier<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/complete-guide-to-choosing-car-insurance-for-new-drivers\">Complete Guide to Choosing Car Insurance for New Drivers<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/what-is-comprehensive-car-insurance-coverage\">What Is Comprehensive Car Insurance Coverage?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction Thinking of selling your car but still have months left on your insurance? Don\u2019t worry \u2014 you have options. Many drivers don\u2019t realize that it\u2019s possible to handle insurance wisely during the sale. This guide explains how to transfer car insurance policy when selling a vehicle, including whether you can move it, what documents&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-car-insurance-policy-when-selling-a-vehicle\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">How to Transfer Car Insurance Policy When Selling a Vehicle<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":51623,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[59,2815,424,2813,2814],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Transfer Car Insurance Policy When Selling a Vehicle | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: How to Transfer Car Insurance Policy When Selling a Vehicle Learn, Steps, Options &amp; NCD Transfer.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-car-insurance-policy-when-selling-a-vehicle\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Transfer Car Insurance Policy When Selling a Vehicle | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: How to Transfer Car Insurance Policy When Selling a Vehicle Learn, Steps, Options &amp; NCD Transfer.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-car-insurance-policy-when-selling-a-vehicle\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-17T14:45:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:30:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/2-37-scaled.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"tariqsiregar@bjak.my\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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