How to Switch Car Insurance in Malaysia 2026
Your NCD transfers automatically. Your road tax stays valid. Switching takes 5 minutes online. Here's exactly how.
Your NCD belongs to you, not your insurer. Switching insurers in Malaysia never resets your NCD — it's stored centrally in the PIAM database and auto-transfers. Road tax validity is also unaffected. The only cost of mid-term switching is a short-rate cancellation fee on your old policy.
Option A: Switch at Renewal (Recommended)
No cancellation fee. Cleanest option. Just don't auto-renew.
Start early — 1–2 months before expiry
Your policy renewal notice arrives ~1 month before. This is your signal to compare, not auto-renew.
Compare all 16 insurers on Bjak
Enter your plate number on Bjak.my. Your NCD is auto-fetched. See all quotes side-by-side in under 3 minutes.
Select your new insurer and pay online
Pick the best price/coverage combo. Pay via FPX or credit card. Your e-policy is issued instantly.
Don't renew with your old insurer
Simply let the old policy expire. No cancellation needed — it lapses naturally on the expiry date.
Use new policy to renew road tax
When your road tax is due, use your new insurer's policy number to renew via MyEG or the post office.
Option B: Switch Mid-Policy
Possible but costs more — short-rate cancellation fee applies on unused premium.
Compare on Bjak first
Make sure the savings justify the mid-term switch. The new policy starts immediately; old policy needs to be cancelled.
Buy new policy from your chosen insurer
Start date = today. Your NCD auto-transfers from PIAM — no documents needed from your old insurer.
Cancel your old policy
Call or write to your old insurer to cancel. Provide your policy number and cancellation date. You'll get a refund of the unused premium.
Receive refund (minus short-rate fee)
Expect a refund of the unused months minus a short-rate cancellation fee (typically 25–30% of the remaining premium). Processing takes 2–4 weeks.
Your NCD Transfers Automatically — No Action Needed
In Malaysia, all NCD records are maintained centrally by PIAM (Persatuan Insurans Am Malaysia). When you buy a policy from a new insurer, they automatically query PIAM and apply your current NCD to your new premium. You don't need a "NCD letter" from your old insurer.
Ready to Switch? Compare All 16 Insurers
See all quotes in 3 minutes. Your NCD auto-verified. Switch in under 5 minutes total.
Compare & Switch on Bjak →Frequently Asked Questions
Do I lose my NCD if I switch car insurance insurer?
No. Your NCD (No Claim Discount) belongs to you — not your insurer. When you switch insurers in Malaysia, your NCD is automatically transferred from the PIAM (Persatuan Insurans Am Malaysia) database to your new insurer. You keep your full NCD percentage. Switching insurers never resets your NCD.
When is the best time to switch car insurance in Malaysia?
The best time to switch is at renewal — when your current policy expires. You simply don't renew with your old insurer and buy a new policy with a different insurer instead. Switching mid-policy is possible but you lose part of the refund (insurers apply a short-rate cancellation fee of typically 25–30% of the unused premium). Switching at renewal is cleanest and gives you full value.
What happens to my road tax if I switch car insurance?
Your road tax is not affected when you switch car insurance. Road tax validity is independent of your insurer — it stays valid until its expiry date regardless of which insurer you're with. When your road tax is due for renewal, you simply use your new insurer's policy to renew it.
How long does it take to switch car insurance in Malaysia?
Switching car insurance via Bjak.my takes about 3–5 minutes. Enter your plate number, compare quotes, select the new insurer, pay online, and receive your e-policy instantly. Your NCD is auto-verified from the PIAM database — no paperwork needed. The only additional step is cancelling your old policy (if switching mid-term) which takes a phone call or visit to your old insurer.