Renewing your auto insurance is fast and simple. It can be completed online in just one day (from the comfort of your home!)
If you prefer some human touch, you can find an insurance agent too.
Renewal Process
- Submit required documents and info (Car owner’s name and NRIC no, car grant, last cover note)
- Get insurance quote(s) and select your preferred insurer.
- Proceed to JPJ/post office/MyEG to renew road tax.
Note: If your vehicle is older, you may need to get insured under MMIP (Malaysian Motor Insurance Pool). Only selected insurers are appointed as an insurer for MMIP.
No Claims Bonus (NCB)
You get a NCB insurance discount if you don’t make any claims.
- Year 1: 0%
- Year 2: 25%
- Year 3: 30%
- Year 4: 38.33%
- Year 5: 45%
- Year 6 onwards: 55%
Note: If you make a claim (i.e. accident), your NCB will be reset to zero.
Tip: If you purchase a new vehicle, you can transfer the NCB to your new vehicle.
Optional: Additional Drivers
Most insurance providers cover you (the owner) and one additional driver for free. Adding more drivers may cost an additional RM10 each or more. Some insurance providers may also provide for any drivers as long as the person is driving the insured vehicle.
Optional: Car Windscreen Cover
If you drive long distances or are frequently travelling around construction zones, you may want to consider windscreen protection. Windscreen protection coverage amount and insurance criteria are different depending on the insurer. Find one that meets your needs for a fair price. If your existing insurance coverage does not include windscreen protection, you need to submit photos of all your windscreens during application.
Costs: roughly 15% of windscreen estimated costs (non-tinted estimate: 15% of 600; tinted estimate: 15% of 1,000).
Optional: Flood, Landslide, or Typhoon
If the areas you travel to are prone to floods or landslides, you will want this coverage.
Costs: roughly 0.5% of total sum assured
Optional: Strike, Riot or Civil Commotion
Costs: roughly 0.3% of total sum insured.
Optional: Car Accessories
Only consider this cover if you have expensive car accessories (i.e. speakers, gadgets, car modifications)
Optional: Personal Accident (PA) Cover
Only consider this if you do not have other insurance / PA coverage.
Or you can get your own PA coverage.
Motor Tariff Liberalisation
The motor insurance tariff liberalisation came into effect on July 1st, 2017.
Different general insurers now have different pricing quotes for motor insurance. So you should compare between different general insurers to get the best price for the same coverage.
What affects your motor insurance cost?
- Your risk profile (determined by the insurer)
- Claims history and driving habits
- Safety and car security devices
- Sum insured and vehicle engine CC
- Geographical location of the vehicle
- Driver and vehicle age
- Coverage type: comprehensive or 3rd party
Road Tax Renewal
Once you have a valid auto insurance, you can renew your road tax. The road tax department can immediately see the status of your vehicle insurance in their system.
Road Tax Renewal is for 1 year.
Road Tax Renewal Charges
| Engine Capacity
(cc) |
Base Rate
(RM) |
Progressive Rate
(RM per cc) |
Road Tax Charges (RM) |
| < 1000 | 20.00 | – | 20.00 |
| 1001 – 1200 | 55.00 | – | 55.00 |
| 1201 – 1400 | 70.00 | – | 70.00 |
| 1401 – 1600 | 90.00 | – | 90.00 |
| 1601 – 1800 | 200.00 | 0.40 | 200.40 – 280.00 |
| 1801 – 2000 | 280.00 | 0.50 | 280.50 – 380.00 |
| 2001 – 2500 | 380.00 | 1.00 | 381.00 – 880.00 |
| 2501 – 3000 | 880.00 | 2.50 | 882.50 – 2,130.00 |
| 3001 – 5000 | 2130.00 | 4.50 | 2,134.50 and above |
Renewal locations:
- JPJ office (no extra service charge)
- Post office (RM2 service charge)
- MyEG (additional charges applicable)
MyEG Additional Charges: Road Tax service charge (RM3), convenience fees, and delivery charges (Klang Valley RM6, Peninsular RM8, East Malaysia RM10)
Tip: To be safe, you can bring along your insurance cover note (especially if you are renewing in locations other than the JPJ office).
Refer to the JPJ website for JPJ office locations.
