Many drivers may not realize that a Car insurance cover note is a temporary document valid only for a certain period before the full insurance policy is issued. This article explains the validity period of a cover note, its purpose, and tips to ensure your coverage remains effective.
What Is a Car Insurance Cover Note?
A cover note can be classified as a temporary document that shows proof of the car policy being active and insured even if the full policy has not been issued. Cover note will be issued by insurance agents or platform after a purchase been made and often sent via email/whatsapp.
Key functions of a cover note:
- Provides temporary protection until the official policy is issued.
- Serves as proof of valid insurance for authorities (e.g., JPJ).
- Allows drivers to use the vehicle immediately after payment.
Validity Period of a Cover Note
| Type of Cover Note | Validity Period |
| Standard online cover note | 14 – 30 days depending on insurer |
| Express / instant cover note (Bjak, Allianz, AXA, etc.) | Valid until full policy is issued, usually 1–3 days |
| Manual / printed cover note | 7 – 14 days depending on insurer |
Tips for Using a Cover Note Safely
- Check the expiry date: Ensure the full policy is issued before the cover note expires.
- Keep a digital copy: Email or WhatsApp versions can be used as proof during JPJ roadblocks.
- Use trusted platforms: Platforms like Bjak ensure cover notes are valid and issued instantly.
- Verify vehicle details: Confirm plate number, owner, and coverage type are correct on the cover note.
FAQ
Q1: Can a cover note be used to renew roadtax?
A: Yes, it is valid for digital roadtax as long as the full policy is still being processed.
Q2: What happens when cover note validity expires?
A: You’re not covered after expiry date.
Q3: Is a cover note the same as a full insurance policy?
A: No, a cover note provides temporary coverage. The full policy determines all terms and protections.
Conclusion
Think of a car insurance cover note as a stop-gap — it keeps you protected while the real policy is being sorted out. What matters is knowing how long it lasts, checking that your car details aren’t off, and if you go through something like Bjak, at least you know your cover is legit and you won’t get into trouble on the road.
Read More:
Complete Guide to JPJ Digital Roadtax (e-LKM)
