While I actually haven't got my driving license yet; I've been so occupied with work since last year till February this year, so I couldn't register for MyJPJ Android app as having one is a requirement therefore in need to manually pay the road tax for a car under my name at the nearest JPJ counter. But before that, I was going to need to renew my car insurance so I opted for one that I conveniently applied and paid for via Maybank Group's member; Etiqa .
First, I saw the application while exploring Maybank's MAE app above but to pay the insurance, do it on a browser on your smartphone or computer so you can approve the Secure2U on your MAE app to proceed with the payment. Quick reminder for those of you who are still using the previous Maybank2U app, the last day to use it will be end of this month as it'll be discontinued i.e. Maybank will no longer provide support afterwards.
But I, on the other hand, applied for the insurance right from the app for the first time and got stuck at the payment page because I cannot return to merchant's page i.e. Etiqa therefore I've had to go to Maybank's branch counter to reset my application and then proceed with the payment.
Now, let's talk about the things I had to consider when it comes to the total Contribution so first thing first is the Sum Covered. Ranging from the Market Value; usually the low end of the sum covered to the Agreed Value; the higher fixed sum covered as the payout in the event of a total loss claim.
As it's merely been a year since I've had this car, I opted for the Agreed Value that will mostly cover the outstanding balance of my loan instead of opting for the most common albeit lower Market Value.
Next is whether to add any additional coverage like windscreen or window breakage, all-driver, natural disasters, etc. but I didn't opt for any as I was already exceeding my allocated budget to renew the insurance policy. I'm just happy to get the complimentary 'Drive Less Save More' add-on where I can get up to 30% cash rebates for low mileage when I renew my insurance next year.
Another reason why I chose to renew my car insurance by myself is because of yes, you guessed it, the 10% discount! I've received several quotations from different parties like Toyota Malaysia via WhatsApp, my previous insurance company and my dad's usual JPJ runners but all of the Contribution amounts still above the amount that I've paid by myself and all of them gave me quotations with lower Market Values which all in all has triggered my curiosity to settle this task independently.
One thing that's kind of a misstep to this whole process is indeed the next order of business i.e. paying the road tax. As I was so occupied with work for almost 3 weeks after renewing my insurance with my mum; the regular driver of my car had my younger brother who's on break from work driving her around, I only remembered to go to the JPJ counter nearby literally last week to pay for it.
If you didn't know like I did, you have to pay your road tax within 10 days after renewing your insurance policy or you only get to pay for a 6-month period. Whether the fact that an insurance policy that's to be renewed annually expires within a 12-month period couldn't be more obvious like it was about to hit me in my face, I overlooked that fact therefore I'm going to need to be in contact with Etiqa 2 weeks before my road tax became invalid to apply for an extension of my current policy so I'll have at least another 6 months to it and then I can pay the road tax covering that remaining period.
Only after that I can go for another round of renewing my insurance policy; fingers-crossed the car is driven less than 15,000KM or I won't be eligible for the 'Drive Less Save More' cash rebates and only then I can hopefully get to pay for a 1-year road tax. Hopefully, I get to pay that tax right from my own MyJPJ app.
