Introduction
Many Malaysian drivers are still confused about the differences between roadtax & car insurance policy. Roadtax is not the same as insurance — one proves road tax payment, the other provides financial protection in case of accidents. Confusion can lead to problems during road inspections or insurance claims.
This article explains the main differences, driver responsibilities, and tips to check both roadtax and insurance so your vehicle remains legal on the road.
1. What is Roadtax
- Legal proof of vehicle road tax.
- Required for all registered vehicles.
- Valid only if insurance is active.
- Can be obtained digitally (BJAK/MyJPJ) or physically (Pos Malaysia/JPJ).
2. What is a Car Insurance Policy
- Financial protection in case of vehicle damage or accidents.
- Determines compensation for vehicle or third-party damage.
- Without active insurance, roadtax is invalid and the vehicle risks fines.
3. Common Driver Mistakes
- Many assume active roadtax = active insurance.
- Some renew roadtax only, forgetting insurance expiry.
- As a result, accidents may leave the vehicle unprotected and the driver liable for fines.
4. Tips to Check & Stay Compliant
- Check insurance status when renewing roadtax via BJAK.
- Use MyJPJ to verify digital roadtax is active.
- Ensure insurance and roadtax expiry dates align to avoid issues on the road.
Conclusion
Understanding the differences between roadtax & car insurance policy is crucial for all drivers. Roadtax proves road tax payment, while insurance proves financial protection. Use BJAK to check both and ensure your vehicle stays legal, safe, and fully protected on Malaysian roads.
Read More:
Flood Impacts on Vehicles & Insurance
Digital & Physical Roadtax: What You Need to Know About MyJPJ
Comprehensive & Low-Cost Car Insurance: Choose the Right Plan
