Bought a used motorcycle directly from owner as well, did the name transfer with owner directly at another motorcycle shop for a fee since we wanted to skip the hassle of going to JPJ.

The name can be transferred without doing road tax and insurance.

Once name transfer is done you can get your own insurance and road tax. I also recently found out as well since the bike I bought is more than 20 years old, the shop couldn't do my insurance for me, they said their system cannot do, so I had to do it separately myself through another agent.