Frequently Asked Questions About Car Insurance & Road Tax in Malaysia

Yes. You can renew car insurance on behalf of a family member or someone else, as long as you have the following details ready:

• Vehicle registration number (car plate)
• Owner's IC number (MyKad)
• Owner's contact details — email or phone number, needed for both quotation and policy delivery

Yes, you can renew with the same insurer every year — but it's worth comparing your options first. Insurance premiums and benefits can vary from year to year, and switching insurers could save you money without affecting your coverage.

That's exactly why PolicyStreet exists — to help you compare quotes from multiple top insurers in one place, so you can make an informed decision every renewal season. You might find a better rate, better coverage, or both.

Yes, you may cancel your car insurance policy before it expires. Common reasons for cancellation include:

• Selling your vehicle — your policy should be cancelled once ownership is transferred
• Incorrect plan purchased — for example, if you require an e-hailing policy instead of a standard private car policy, or any other coverage change that requires a fresh policy

No. A valid and active car insurance policy is mandatory before road tax renewal can be processed. This is a legal requirement in Malaysia — JPJ will not allow road tax renewal without valid insurance.

Yes. Outstanding summons do not affect your car insurance renewal. You can proceed with your insurance renewal as usual regardless of any outstanding summons.

No, you cannot renew your road tax if you have outstanding summons — because outstanding summons will cause you to get blacklisted by JPJ/PDRM, which will block your road tax renewal entirely.

To check and pay your summons:

• JPJ summons — check via MySikap or the myJPJ app
• PDRM summons — check via MyBayarSaman

We offer 7 payment methods for your convenience:

• Debit Card or Credit Card (Visa/Mastercard)
• Online Banking (FPX) — Maybank2U, CIMBClicks, and more
• e-Wallet — Grab, Boost, Touch 'n Go, ShopeePay, and more
• GrabPay / Grab PayLater — 4-month instalment plan, T&Cs apply
• ShopeePay / SPayLater — T&Cs apply
• Atome — T&Cs apply
• Easy Payment Plan (EPP) — credit card instalment, available with selected banks
• Ahapay — T&Cs apply

To renew your car insurance on PolicyStreet, you'll need:

• Vehicle registration number (car plate)
• Owner's IC number (MyKad) or passport number for non-Malaysians
• Owner's contact details (email and phone number)

• Vehicle photos — if your policy has lapsed or there are changes to coverage
• Car grant (geran) — for EV or new cars or if vehicle details need verification

If your car insurance lapses (expires without renewal), here's what happens:

• You are no longer covered — any accidents, theft, or damage will not be claimable
• You cannot renew your road tax until your insurance has been renewed
• Driving without valid insurance is illegal in Malaysia and can result in fines and legal action
• Your insurer may require vehicle photos before reinstating a lapsed policy

Yes. Your NCD is tied to you as the vehicle and policyholder. This means:

• If you sell your car and buy a new one, you can transfer your NCD to the new vehicle
• If you own multiple cars, your NCD applies separately to each vehicle
• NCD cannot be shared between two vehicles at the same time

The best insurer depends on your individual needs, vehicle type, and budget. Here are some factors to consider:

• Premium price — compare quotes from multiple insurers to find the best rate
• Coverage — check what is included in the base policy and what requires add-ons
• Claims process — consider the insurer's reputation for processing claims efficiently
• Add-ons available — some insurers offer more customisation options than others

Yes, you may still file a car insurance claim even if your driving licence has expired, as long as your insurance policy and road tax is active and valid at the time of the accident.

However, please note:

• Expired driving licence — your claim can still be processed, but your insurer may take this into account during assessment, which may result in penalties
• No driving licence at all — if you do not possess a driving licence, your claim is going to get rejected
• Expired road tax — this is a separate matter. If your road tax is not active at the time of the accident, your claim will get rejected

If your road tax has expired at the time of the accident, your claim will get rejected by the insurer. This is why it is important to ensure your road tax is always kept active and up to date.

Please note that car insurance and road tax are two separate things:

• Your insurance policy remains active regardless of your road tax status
• Your claim eligibility however, may be affected if your road tax is not active at the time of the accident

If you've been involved in an accident, here's what you need to do to make a car insurance claim:

1. Stay calm and ensure safety — move to a safe location and check for injuries
2. Call the police — a police report is mandatory for all accident claims
3. Document the scene — take photos of the damage and exchange details with the other driver (name, IC number, car plate, insurance details)
4. Report to your insurer — notify your insurer as soon as possible after the accident
5. Send your car to a panel workshop — your insurer will advise on the nearest authorised panel workshop for repairs
6. Submit your documents — provide your police report, photos, and any other required documents to your insurer to support your claim

File a police report and submit a third-party claim to the at-fault driver's insurer. Some insurers also assist with third-party claim handling.

The time it takes to process a car insurance claim varies depending on the complexity of the case and the insurer. Here's a general guide:

• Minor claims (e.g. windscreen, minor dents) — typically resolved within a few days
• Standard accident claims — usually take 2–4 weeks
• Complex claims (e.g. total loss, disputed liability) — may take longer depending on investigation required

A panel workshop is a car repair workshop that is authorised and approved by your insurance company. Here's what you need to know:

• If you use a panel workshop, your insurer pays the repair costs directly to the workshop — you don't need to pay upfront
• If you use a non-panel (own) workshop, you may need to pay upfront and claim reimbursement from your insurer — and the amount reimbursed may be lower
• Using a panel workshop is recommended for a faster and smoother claims process

1. Generali Panel Workshop — Roadside Assistance: 1800-22-2262
2. Zurich Takaful Panel Workshop — Roadside Assistance: 1-300-88-5566
3. Takaful Ikhlas Panel Workshop — Roadside Assistance: 1800-88-1186
4. MSIG Panel Workshop — Roadside Assistance: 1-300-880-833
5. Allianz Panel Workshop — Roadside Assistance: 1800-22-5542
6. Takaful Malaysia Panel Workshop — Roadside Assistance: 1800-888-788
7. Etiqa Panel Workshop — Roadside Assistance: 1-800-88-6491

If you are involved in an accident with an uninsured driver, here's what you can do:

• If you have Comprehensive coverage — you can make a claim under your own policy for damage to your vehicle
• If you only have TPFT or Third Party coverage — you may not be covered for damage to your own vehicle
• In both cases, you should still file a police report and notify your insurer
• You may also pursue a civil claim against the uninsured driver directly, though this can be a lengthy process

Yes, if you have Comprehensive coverage, you can make a claim even if the accident is your fault. Your insurer will cover the cost of repairs to your own vehicle, subject to your policy terms and any excess/deductible.

However, please note:

• Making a claim will affect your NCD — your discount will reset to 0% at the next renewal
• If the accident involves a third party, your insurer will also handle the third party claim on your behalf
• If you only have Third Party or TPFT coverage, you cannot claim for damage to your own vehicle if you are at fault

An excess (also called a deductible) is the amount you agree to pay out of pocket before your insurer covers the rest of your claim.

For example:
If your repair costs RM3,000 and your excess is RM300, your insurer pays RM2,700 and you pay RM300.

Things to know about excess:

• Compulsory excess — set by your insurer and cannot be waived
• Voluntary excess — you can choose a higher excess in exchange for a lower premium
• Young or inexperienced drivers may have a higher compulsory excess applied

Your vehicle may be blacklisted by MyJPJ due to several reasons, such as outstanding summonses, failure to attend investigations, or not providing required information as requested by JPJ. It is advisable to resolve any pending issues, such as paying fines or attending JPJ offices, to clear the blacklist.

Road tax (Cukai Jalan) is a mandatory annual fee imposed by the Malaysian government on all registered vehicles. It is proof that your vehicle is legally allowed to be driven on Malaysian public roads.

Here's what you need to know about road tax:

• Legal requirement — every vehicle must have valid and active road tax to be driven on public roads
• Renewed annually — road tax is typically valid for 12 months, though certain vehicles may opt for a 6-month renewal
• Insurance first — you must have a valid car insurance policy before road tax renewal can be processed
• Consequences of expired road tax — driving with expired road tax is illegal and may result in JPJ fines, vehicle impoundment, and potential complications with insurance claims

Road tax is typically valid for 12 months. However, certain vehicles may be eligible for a 6-month renewal instead.

Here's a general guide:

• Private vehicles — typically renewed annually for 12 months
• E-hailing vehicles — renewal period may differ depending on your EVP (E-hailing Vehicle Permit) expiry date; e-hailing road tax can only be renewed at JPJ
• 6-month renewal — if your insurance policy has been active for more than 14 days, we are unable to process a full 12-month road tax renewal. In this case, we will renew your road tax for 6 months first. Once that expires, you will need to return to extend your policy in order to renew your road tax for another 6 months

Road tax rates in Malaysia are calculated based on several factors:

• Engine capacity (cc) — for petrol and diesel vehicles; higher cc means higher road tax
• Power output (kW) — for electric vehicles, road tax is calculated based on power output in kilowatts instead of engine capacity
• Vehicle type — private or commercial, and saloon or non-saloon body type
• Region — rates differ between West Malaysia and East Malaysia

Yes. You do not need your physical vehicle registration card (geran) to renew your road tax. As long as your vehicle data is active in the JPJ system and you have a valid car insurance policy, you can proceed with renewal.

You can renew your road tax easily online via PolicyStreet — together with your car insurance in one simple step, anytime and anywhere.

Road tax in Malaysia is now fully digital. Here's what you need to know:

Digital Road Tax (e-LKM):

• All road tax is now stored digitally via the MyJPJ app — no physical sticker or slip required
• Can be renewed online through PolicyStreet or at a JPJ counter
• Save a screenshot on your phone for reference in areas without internet connectivity

Renewing your road tax late comes with serious consequences. Here's what you need to know:

• It is illegal to drive with expired road tax — you are prohibited from driving your vehicle until renewal is completed
• JPJ fines and penalties — you may be fined if caught driving with an expired road tax
• Insurance claim complications — if you get into an accident while your road tax is expired, your insurer may not be able to process or honour your claim
• 6-month renewal may apply — if your insurance policy has been active for more than 14 days, we are unable to process a full 12-month road tax renewal. In this case, we will renew your road tax for 6 months first. Once that expires, you will need to return to extend your policy in order to renew your road tax for another 6 months

Yes. A valid and active car insurance policy is mandatory before road tax renewal can be processed — this is a legal requirement in Malaysia.

You cannot renew your road tax if:

• Your car insurance has expired
• Your car insurance has been cancelled
• You do not have an active insurance policy

EV road tax in Malaysia is no longer free. Starting January 1, 2026, a new power-based road tax structure applies to all electric vehicles.

Here's what you need to know:

• How it's calculated — EV road tax is calculated based on motor power output in kilowatts (kW), not engine capacity (cc) like petrol cars

You can check your road tax status anytime via the MyJPJ app on your smartphone. Your road tax status is stored digitally and updated in real time.

Road tax rates in Malaysia vary based on several factors including engine capacity (cc), fuel type, vehicle type, and region. Here's a general guide:

Petrol/Diesel Cars (Private, Saloon, Peninsular Malaysia):

• Up to 1,000cc: RM20/year
• 1,001–1,200cc: RM55/year
• 1,201–1,400cc: RM70/year
• 1,401–1,600cc: RM90/year
• 1,601–1,800cc: Progressive rates apply

Yes, you can cancel your road tax before your road tax expires after you sell your car. You will need to submit a cancellation application letter along with supporting documents such as a copy of your vehicle registration certificate and driver's license. Please visit your nearest JPJ counter for further information on this process.

Here's how to proceed:

• Cancel your road tax by visiting a JPJ branch
• Provide proof of vehicle sale (e.g. transfer of ownership documents)
• The refund amount will be calculated based on the remaining months of validity