Introduction
An insurance policy that expires unintentionally can result in loss of NCD and interrupted car protection. This situation often occurs when car owners are traveling, on assignment, or temporarily residing abroad. This article explains how to avoid a policy lapse while you are abroad, so your car remains protected without disruption.
1. What Is a Policy Lapse
- A policy lapse happens when premiums are not paid before the expiry date.
- Impact: Loss of NCD, coverage stops, and you must buy a new policy at full premium.
- Lapses can occur even if the car is not in use while the owner is overseas.
2. How to Avoid a Policy Lapse While Abroad
- Set Auto-Renewal
- Many platforms, such as BJAK, allow automatic payments to ensure policies renew on time.
- Many platforms, such as BJAK, allow automatic payments to ensure policies renew on time.
- Pay Before Departure
- Make payment before leaving Malaysia to keep your policy active throughout your absence.
- Make payment before leaving Malaysia to keep your policy active throughout your absence.
- Use Digital Roadtax
- With digital roadtax, you don’t need to attend JPJ in person, making renewals easier.
- With digital roadtax, you don’t need to attend JPJ in person, making renewals easier.
- Choose Platforms Accessible from Abroad
- BJAK, MyEG, or MyJPJ allow online renewal of insurance and roadtax from anywhere.
- BJAK, MyEG, or MyJPJ allow online renewal of insurance and roadtax from anywhere.
- Keep Proof of Payment
- Save screenshots or receipts for reference if claims are needed during your absence.
- Save screenshots or receipts for reference if claims are needed during your absence.
3. Additional Tips
- Ensure your email and phone number are updated so renewal notifications reach you on time.
- If the policy is expiring while you are away for several days, ask a trusted representative to manage the renewal via online platforms.
- Avoid coverage gaps — gap cover issues can result in loss of NCD.
Conclusion
A policy lapse can be avoided even when you are far from Malaysia by planning ahead and using online platforms. Ensure timely insurance renewal to protect your NCD and maintain car coverage throughout your absence. With these tips, you can enjoy travel or assignments abroad without worrying about car insurance.
Read More:
Insurance for Gig Economy Drivers
