JPJ Car Ownership Transfer Malaysia 2026
Complete guide: documents, fees, step-by-step process, and what to do about insurance after you buy a used car.
Documents Required
Seller prepares:
- ✓ IC (original + 2 photocopies)
- ✓ Vehicle grant/geran (original)
- ✓ Current insurance certificate
- ✓ Completed JPJ Form K3 (seller section)
- ✓ Summons clearance (if any outstanding)
Buyer prepares:
- ✓ IC (original + 2 photocopies)
- ✓ Completed JPJ Form K3 (buyer section)
- ✓ Payment for transfer fee (RM50)
- ✓ New insurance policy (in buyer's name)
- ✓ Puspakom report (if car over 15 years)
Step-by-Step Process
Seller clears all summons
Check and pay all outstanding JPJ and PDRM summons via MyEG or JPJ counter. Transfer is blocked if there are unpaid summons. Buyer: verify this before paying for the car.
Buyer gets insurance in their name
The new owner must have a car insurance policy under their own name before JPJ will process the transfer and before road tax can be renewed. Get a quote on Bjak — it only takes 10 minutes.
Both parties attend JPJ together
Go to any JPJ branch in Peninsular Malaysia (or Sabah/Sarawak branch). Both buyer and seller must be present, or seller provides an authorisation letter (Surat Kuasa) if unable to attend.
Submit Form JPJ-K3
Both parties sign Form K3 at the counter. JPJ officer verifies ICs and documents. If the car is over 15 years old, a valid Puspakom inspection report (within 1 year) is required.
Pay transfer fee
RM50 for private passenger cars. Payment at JPJ cashier — cash or card accepted at most branches.
Collect new geran
JPJ updates the vehicle grant to the new owner's name. The updated geran is usually issued on the same day. Keep it safely — you need it for future transactions.
Fees Summary
| Item | Fee | Who pays |
|---|---|---|
| JPJ ownership transfer fee | RM50 | Buyer |
| Puspakom inspection (cars 15+ yrs) | RM30–50 | Seller or Buyer (negotiable) |
| New insurance (buyer's name) | RM150–1,500+ depending on car | Buyer |
| Road tax renewal | RM20–RM2,130+ depending on CC | Buyer |
| Outstanding summons (seller) | Varies | Seller |
What Happens to Insurance After Transfer?
The seller's car insurance does not transfer to the new owner. Insurance follows the person, not the vehicle.
For the buyer (new owner):
You need a brand-new insurance policy in your name. You start with 0% NCD unless you already have NCD from another vehicle you previously owned. Use Bjak to compare 16 insurers instantly.
For the seller (previous owner):
You can cancel your remaining insurance and get a refund for unused months, or transfer the policy to your next vehicle. Your NCD remains yours — it follows you to your next car.
FAQs
How long does JPJ ownership transfer take?
Same day in most cases if all documents are complete. Some branches process within 1–2 hours. The updated geran is usually handed to you before you leave.
Can I drive the car before ownership transfer is complete?
Technically the car is still under the seller's name and their insurance. If you get into an accident before transfer and new insurance, the seller's insurer may not cover it. Get your insurance first, then complete the transfer before driving.
What if the seller has outstanding loan on the car?
The car cannot be transferred until the bank releases the grant. The seller must fully settle the car loan and obtain the 'Surat Pelepasan' (release letter) from the bank before transfer proceeds.
Can I transfer ownership without going to JPJ?
As of 2026, you must visit a JPJ branch. However, if either party cannot attend, they can authorise an agent via Surat Kuasa. JPJ is piloting online processes but full online transfer is not yet available.
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