Introduction
Every time you buy or renew car insurance, you’ll receive a document called a cover note. Many drivers ignore it, but this temporary document is your official proof of insurance until the full policy is issued. This guide will explain how to read your car insurance cover note properly so you don’t run into issues when making a claim.
What is a Car Insurance Cover Note?
- A temporary document that serves as proof of insurance coverage.
- Issued immediately after payment.
- Valid for around 7–30 days, depending on the insurer.
- The full policy will be sent once all details are confirmed.
Key Sections in a Cover Note
| Section | What to Check |
| Vehicle Details | Plate number, model, year – must match your JPJ grant. |
| Owner’s Name | Should be identical to NRIC/ownership documents. |
| Type of Coverage | Comprehensive or Third Party – confirm matches what you purchased. |
| Coverage Period | Start and end dates, usually effective immediately. |
| Premium Paid | Total premium and additional fees. |
| Temporary Policy No. | Used as reference before the full policy is issued. |
Why You Must Check Your Cover Note
- Avoid claim issues – wrong details may cause rejection.
- Proof of active coverage – protects you if an accident happens.
- Payment confirmation – ensures your insurance has been activated.
FAQ: Car Insurance Cover Note
1. Is the cover note the same as the full insurance policy?
No. It’s only temporary proof. The full policy will be issued later.
2. What if I find an error in my cover note?
Contact your insurer or platform (e.g., BJAK, MyEG) immediately to correct it.
3. Can I use a cover note to renew my roadtax?
Yes. A valid cover note can be used to renew roadtax via JPJ/MyJPJ, MyEG, or Pos Malaysia.
Conclusion
Don’t overlook your car insurance cover note. Even though it’s temporary, it’s essential proof of coverage and ensures there are no errors in your policy. Check all details carefully the moment you receive it to avoid claim or renewal problems later.
Read More:
Renewing Car Insurance Early is Cheaper, Why?
