If renew via online, whether change insurance company or not, dont need to submit any document at all.
Just key in all the info online, you will then get a quote online.
Etiqa takaful seems to be cheapest too. Claim to share profit with customer though i never receive it....maybe they are making loss? hahaha....But i dont like their sucky service i experienced with them.
Cover note and policy all comes in PDFs via email 😅 immediately after online payment done. Beware that junk mail filter may flush it out though.
As for road tax, i use myeg service to get it done. Cheaper than myself travel to jpj/pos office. less than rm10 and it will efficiently delivered to my work place. can also take the chance to check if there is any saman under my name.
Just few clicks and all these done online 😁 new road tax then arrive on next working day. Really swift process. Totally paperless and much cheaper too. Power of internet....haha.
Next, just set an email/phone reminder for next renewal date.
On side note, colleagues found that outstanding AES saman didnt block them from renewing insurance, i was surprised when first heard about it.
With things able to be done online and save money too, i find that its harder for motor insurance agents to survive. When i move onto online renewal, i let go the trusty motor insurance agent which i used for years. Feel pity for them...