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During the renewal process, Jabatan Pengangkutan Jalan (JPJ) online service will check if there is outstanding summons and blacklist records at both JPJ and PDRM databases. To proceed with the renewal, it is necessary for you to settle your outstanding traffic offences.

You will be charged for road tax renewal fee and delivery charge.

We will deliver the road tax to your doorstep.

Once your final payment is processed, we will send you the confirmation policy documents of the insurance.

The sum insured for your car will be based on market value of your car. Market Value represents the value of your car with an allowance for wear and tear and/or depreciation.

NCD is the abbreviation for No Claim Discount. This is a discount given to policyholders upon renewal of their motor insurance policy if no claim is made from the policy during a continuous coverage period of 12 months. PIAM Motor Tariff sets out a fixed rate for this discount. These are as follows:

If you decide to sell your vehicle without buying a new one, you will maintain your accumulated NCD in the first year. However, your NCD percentage will drop proportionately in the second year and the reduction will continue until your NCD percentage reaches 0%. If you wish to enjoy this benefit continuously, it is advisable to transfer your accumulated NCD to another vehicle.

Excess refers to the amount that you are responsible to pay in the event of a claim. For example, the excess of your policy is RM300 and the total claim amount is RM1,800. Your insurer will pay RM1,500 on the claim while you pay the remaining RM300.

Betterment is a scale imposed on vehicles aged 5 years and above when new franchise parts are used during a repair that was paid for by the insurance company. The insured has to bear the betterment charges when the damaged old parts of the vehicle are replaced with new franchise parts. The application of betterment is based on the Scale of Betterment.