I remember previously my uncle had in his case, renew insurance, but roadtax haven't (during MCO).

So when he renew roadtax, he renew to match back remaining coverage for his insurance.

Eg insurance cover jan to dec, roadtax renewed at june up to dec only.

He had done it at JPJ if not mistaken.

But between the 2, roadtax should be easier to "pro rate" since its just fix amount for 12 months.More straight forward.