Introduction
Many Malaysian drivers still take car insurance lightly. Some delay renewing, while others continue to drive without insurance.
But did you know that driving without insurance is not only a financial risk — it’s also against the law?
1. Legal Risks — Not a Joke
Under the Road Transport Act 1987 (Section 90), every vehicle must have valid motor insurance before it’s allowed on public roads.
If you’re caught driving without insurance, you could face:
- A fine of up to RM1,000
- Driver’s license suspension
- JPJ summons or blacklisting
And if an accident happens, you might not even be able to renew your roadtax or buy a new insurance policy until the case is settled.
2. You Pay Everything Yourself If an Accident Happens
Without insurance, all costs — from vehicle repairs to hospital bills and third-party compensation — fall on you.
Imagine if the accident involves a luxury car or serious injuries — the total can easily reach hundreds of thousands of ringgit.
3. No Compensation for Yourself
With valid insurance (for example, a comprehensive policy), you can claim for your own vehicle damage.
But without insurance, you lose that right completely.
Even worse — if you’re injured or die in the accident, no compensation will be paid to your family.
4. You Can’t Renew Roadtax Either
JPJ only allows roadtax renewal if your car has an active insurance policy.
Without insurance:
- Systems like MyJPJ, MyEG, or BJAK will show “verification failed”
- You can’t proceed with renewal
This means your vehicle automatically becomes illegal to drive on the road.
5. How to Avoid This Situation
If you want protection without overspending:
- Check your active insurance policy via BJAK, MyJPJ, or MyEG.
- Compare plans to get the best price. BJAK helps you view multiple options and issue your policy instantly.
- Use Buy Now Pay Later (BNPL) options if your budget is tight — so you stay protected while paying in instalments.
Conclusion
To drive without insurance isn’t just breaking the law — it can also destroy your finances if an accident occurs.Before you start your engine, make sure your insurance is still active.
Check your status through BJAK to avoid any risk — because protection today could save you tomorrow.
Read More:
Tips to Renew Cheap Insurance Without Compromising Safety
