My car just got knocked from behind by a motorcyclist. As a result I lost my NCB by claiming repairs. My car is about 15 years old and an insurable value of RM25,000 and my insurance renewal is just around the corner.

I used to insure 1st party. Can I change to 3rd party insurance to save cost as I no longer have NCB. After 5 years I switch back to 1st party when I have a good driving track record. Can this be done?