Introduction
A lot of car owners think the 60-day grace period means they can take their time to renew insurance. But honestly, that’s a big misunderstanding. Once your policy expires, you’re basically driving without protection. If something happens, you’ll be the one paying for everything, and JPJ won’t be happy about it either. In this article you will understand what happens if Car insurance is not renewed within 60 days after lapse.
What Happens If You Don’t Renew
1. No insurance coverage
If your car gets into an accident after the policy ends, you’ll need to cover every single cost — repairs, third-party damage, and all.
2. JPJ penalties
Driving without valid insurance is illegal. JPJ can fine you, and in worse cases, suspend your roadtax or even your driving rights.
3. Claim problems
Insurance companies don’t process claims for incidents that happen after your policy has expired. No exceptions.
4. Higher premiums later
Renew too late and some insurers might reset your No Claim Discount (NCD) or bump up your renewal price.
How to Avoid These Problems
Renew early — ideally a few weeks before your policy ends. You can actually renew up to two months in advance.
Use digital reminders — platforms like Bjak, MyJPJ, MyEG, and Pos Malaysia can alert you when your expiry date is near.
And please — keep your digital policy and receipt somewhere safe.
Conclusion
To delay car insurance from being renewed might not sound like a big deal, but it can cause serious financial and legal mess later. Stay on top of it, renew early, and keep your car fully covered — it’s the simplest way to drive with peace of mind.
Read More:
Evolution Of Digital Insurance in Malaysia
