Ya even with 30% NCD for RM28k value car, kinda hard to pay in one sum that is nearly RM800. Was hoping the car's residue value drops like mad.

Anyway you can pay the insurance premium in installments using credit car with 0% interest from the insurer.

Highly recommended Pan Global for this.

Nowadays the insurance company will do the road tax renewal for you with a small fee or FOC.