Renewing your car insurance is something every car owner needs to do, but simply renewing the same policy each year may mean overlooking important details that could affect your coverage and overall protection.

Before you renew, take a little time to review your policy and make sure it still suits your car, your needs and your budget.

With GoInsuran, car owners can conveniently explore and compare available insurance options online. For those looking for more comprehensive protection, GoInsuran GoCare offers comprehensive coverage with 100% cover of the Agreed Value, No betterment charge, 24/7 Roadside Assist and more. Subject to the applicable terms and conditions.

Here are the key things to check before renewing your car insurance.

1. Check Your Insurance Expiry Date
It’s easy to lose track of your car insurance expiry date, especially if you own more than one car.

That’s why GoInsuran sends customers a renewal reminder as early as two months before their insurance expiry, giving you more time to review your options and arrange your renewal.

Checking early also gives you time to compare quotations, review your coverage and make sure your details are correct before your existing policy expires.

While checking your insurance expiry date, remember to check your road tax expiry date too. If both are due around the same time, you can plan your renewals together.

Your No Claim Discount (NCD) can have a significant impact on your car insurance premium.

If you have maintained an eligible claim-free record, check that the applicable NCD is reflected correctly in your renewal quotation.

If your premium is higher or lower than expected, your NCD is one of the details worth checking before proceeding with your renewal.

When comparing policies through GoInsuran, review how your NCD is reflected in each quotation so you can make a more informed decision.

3. Check Your Sum Insured
Your car’s value can change over time, so don’t automatically assume that last year’s sum insured is still appropriate. Review the sum insured stated in your renewal quotation and consider whether it reasonably reflects your vehicle’s current value.

It is also worth understanding whether the policy is based on market value or agreed value, as this can affect how your vehicle is valued in the event of a covered claim.

For example, GoInsuran GoCare comprehensive coverage covers 100% of the Agreed Value for vehicles up to 15 years of age, subject to the applicable policy terms and conditions.

4. Review Your Coverage
Before renewing, check what your existing policy actually covers and whether it continues to meet your needs. Consider the type of coverage, the protection provided and any applicable exclusions or limitations. Rather than focusing only on the premium, look at the overall protection you are getting from the policy.

5. Check the Excess
The excess is an amount that you may have to pay yourself when making certain eligible claims, depending on your policy and circumstances.

When comparing car insurance, don’t look at the premium alone. Check the excess applicable to the policy so you have a better understanding of any potential out-of-pocket costs. This can make it easier to understand the overall protection included with your coverage.

6. Review Additional Benefits
Additional benefits can provide extra protection beyond your basic car insurance coverage.
Depending on the policy, these may include benefits such as:

When comparing policies, check which benefits are already included rather than assuming that every benefit requires an additional payment.

With GoInsuran GoCare, applicable benefits and protection are included as part of the comprehensive GoCare package rather than being separate paid add-ons, subject to the applicable terms and conditions.

This means you can consider the overall package of coverage when deciding whether a policy is right for you.

Your renewal is a good opportunity to see what else is available instead of automatically renewing the same policy.
Compare quotations based on more than just the premium. Look at:

GoInsuran makes it convenient to explore and compare available insurance options online before selecting your preferred coverage.

8. Check Your Personal and Vehicle Details
Before confirming your renewal, make sure all your information is accurate.
Check details such as:

Incorrect information could cause issues when you need to make a claim, so take a moment to review your details before payment.

9. Check Your Road Tax
If your road tax is also approaching expiry, consider renewing it together with your car insurance. Valid insurance coverage is required before you can renew your road tax.

Through GoInsuran, you can also select Road Tax Renewal under the available Benefits and Services when completing your renewal, making it easier to manage both requirements together.

For eligible private vehicles, digital road tax is also available through MyJPJ.

10. Keep Your Policy Documents
Once your renewal is complete, make sure you receive and keep your insurance documents.

If your documents are provided digitally, save a copy somewhere secure and easily accessible. You may need them later when making a claim, selling your vehicle or carrying out other vehicle-related matters.

Car Insurance Renewal: Quick Checklist

Before you renew, make sure you have checked:

Renewing your car insurance doesn’t have to be complicated. With GoInsuran, you can explore available insurance options online, compare quotations and select coverage that suits your needs.

Take the opportunity to review your coverage before your next renewal and make sure you’re getting the protection that works for you and your car. Renew your car insurance online with GoInsuran and make your next renewal a more informed one!

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