Introduction
Although car insurance is legally required in Malaysia, many drivers still don’t have valid insurance coverage.
Some intentionally delay renewal, some don’t realise their policy has expired, and others think, “It’s fine, I’ll renew later.”
The problem is — if an accident happens while uninsured, it can turn into a nightmare, not just financially but also legally.
1. Common Reasons Drivers Don’t Have Valid Insurance
1.1 Forgetting or Delaying Renewal
This is the most common reason. Many vehicle owners neglect their policy expiry date and only notice in the worst situation possible. That is why keeping a reminder of your expiry policy date is important where you able to purchase in advance to avoid any issues..
Tip: BJAK will automatically display the next policy start date when viewing your quotation.
1.2 Misunderstanding Coverage
Many drivers still confuse road tax with insurance.
Some think that as long as their road tax is valid, their insurance must be active too — but these are completely separate.
Without an active insurance policy, you can’t renew road tax via MyJPJ, MyEG, Pos Malaysia, or any other official platform.
1.3 Financial Constraints
Most drivers do not renew or delay renewal due to financial issues or due to premiums being too high. Now, with BJAK, you can choose flexible payment plans or BNPL (Buy Now Pay Later) options so you can stay covered without straining your finances.
1.4 Old or Infrequently Used Vehicles
Some owners assume, “The car rarely moves, I’ll just skip renewal for now.” Stationary cars are still a liability risk. Being parked does not prevent fires, theft or even accidents.
2. Risks of Driving Without Insurance
Legal Consequences
Under Section 90 of the Road Transport Act 1987, driving without insurance is a serious offence.
Penalties may include:
- Fines of up to RM1,000
- Suspension or revocation of your driving licence
- Court action if an accident involves another party
Paying All Costs Yourself
If an accident occurs, you’ll have to pay for all vehicle repairs — both your own and the other party’s.
No insurance company will cover the loss, even if the cost runs into thousands of ringgit.
Unable to Renew Road Tax
Insurance records are linked directly to the JPJ system.
Without a valid policy, you cannot renew your road tax, whether digitally or physically — including through MyJPJ, MyEG, Pos Malaysia, or BJAK.
3. How to Make Sure You Always Have Valid Insurance
- Check Your Policy Status:
Visit BJAK.my and enter your vehicle number to view your insurance status and latest NCD rate. - Renew Early:
You can renew your policy up to two months before expiry to avoid forgetting or missing the deadline. - Keep Your eCoverNote Safe:
After renewing, you’ll receive a digital eCoverNote via email or WhatsApp. Keep it as proof of active coverage. - Set a Reminder:
Add a yearly reminder on your phone or email calendar — a small step that saves you big trouble later.
4. Why Use BJAK to Check & Renew Your Insurance
- Automatic policy and NCD status checking
- Compare quotes from multiple insurance companies in one place
- Instant policy delivery via email or WhatsApp
- Add-on options such as towing, windscreen, and flood protection
- BNPL (Buy Now Pay Later) option to avoid renewal delays due to budget issues
With BJAK, you don’t need to worry about expiry dates or mistakes — everything can be done within minutes.
Conclusion
Most drivers without valid car insurance aren’t careless — they simply don’t know or keep putting it off.
But once an accident happens without coverage, the financial and legal consequences can be devastating.Stay protected with active car insurance through BJAK.my, so you can drive confidently and safely on the road every day.
Read More:
Motor Insurance for Motorcycles: What You Need to Know
