i know can for the bolded part actually
for physical, i think depends on officer...because the last time i did it physically at JPJ branch...the officer is quite strict what he wants

but i also use mysikap system before...this one can transfer without insurance coverage....i can even go to JPJ and get the VOC without insurance
but too bad this seller doesn't have mysikap account

i know i can do it directly with insurer but usually cases like this, i usually use agent since they have more access to the system, faster too

since u say it can be renew before my ownership transfer, i'm going to try it next week, 2 days before ownership transfer...see if it really can or not