Introduction
Every second an accident is reported in Malaysia. Statistics all point to one underlying issue that causes all these traffic collisions which is human error. However, vehicle insurance is not only about financial security, it also promotes drivers in Malaysia to drive safely and be more aware on the road. This article will show how that insurance and road safety affect one another.
1. Insurance as a Motivation for Safe Driving
One of the biggest benefits of having insurance is that it motivates drivers to avoid accidents — because every claim can affect their No Claim Discount (NCD).
The longer you drive without making a claim, the higher your premium discount becomes — up to 55% for drivers with a clean record.
This indirectly makes drivers more cautious since they know that every mistake can affect their future insurance cost.
2. How Insurance Encourages Driver Responsibility
Having insurance also shows that you:
- Understand the importance of financial protection in case of an accident,
- Are aware of your responsibility toward other road users, and
- Understand that roadtax renewal requires an active policy.
Drivers with complete coverage tend to obey the traffic rules as they value safety and risk management much higher than the average person.
3. The Role of Insurance Companies in Road Safety Awareness
Many insurance companies and platforms like Bjak also play an active role in road safety campaigns.
Some initiatives include:
- Offering higher NCD incentives for careful drivers,
- Providing educational content about driving risks, and
- Offering add-ons like personal accident coverage and emergency roadside assistance.
For example, Bjak helps users review their existing coverage to ensure they’re never driving without valid insurance — a small but crucial step toward safer roads.
4. Statistics & Reality in Malaysia
According to JKJP, over 70% accidents occurred are cause by negligent driving whilst speeding or being occupied to focus.
Drivers with complete insurance coverage are generally more disciplined because they:
- Value their assets and lives,
- Perform regular vehicle maintenance, and
- Are more cautious on the road.
This awareness shows that insurance is more than just a legal requirement — it’s also an indirect tool for accident prevention.
Conclusion
Road safety is a responsibility of all road users, not just the PDRM or government. Having an active insurance and understanding of road safety will ensure that your vehicle and you are always covered . When your coverage is complete, you drive with peace of mind — and the roads become safer for everyone.
Read More:
Tips to Get Maximum Insurance Discount with NCD
