What Happens When Car Insurance Expires
Expired car insurance, the worst thing to happen until you realised a little too late . If something happens, a crash, theft, or damage you’ll be paying out of pocket.
It’s also against the rules. JPJ, if faced by a traffic stop, the driver will be provided with summons that can affect roadtax renewal.
How to Reactivate Your Insurance
- Check your expiry date – Look at your e-policy or contact your insurer to confirm the exact end date.
- Contact your insurer – A quick call or WhatsApp message is enough to ask about reactivation steps.
- Prepare your documents – Have your car card, IC, and old policy details ready.
- Pay the premium – Some insurers may add a small charge if your policy has been inactive for a while.
- Get your new policy – Most companies issue it digitally, so you can drive again almost immediately.
Tip: Don’t wait too long. The longer the gap, the higher the risk — and sometimes, the cost.
Conclusion
An expired car insurance can cause more headaches than you think — from paying your own repair bills to getting flagged by JPJ. Keep an eye on your expiry date and sort out renewal early.
Once your insurance is active again, you can drive easy knowing both you and your car are properly covered.
Read More:
How NCD Is Calculated in a Car Insurance Calculator
