Introduction
Driving without insurance or a valid roadtax not only breaks the law but also exposes drivers to significant financial risk if an accident occurs. This article explains the risks of driving without insurance and roadtax, the legal implications in Malaysia, and tips to ensure your vehicle is always fully covered — including how BJAK helps you easily check and renew insurance and roadtax.
1. Risks of Driving Without Insurance
- Full Financial Responsibility: If involved in an accident, drivers without insurance must cover all costs themselves, including third-party damages, injuries, or property claims.
- Legal Fines: Under the Road Transport Act 1987, uninsured drivers can face fines up to RM2,000 or imprisonment up to 6 months.
- Vehicle Restrictions: JPJ can impound vehicles until insurance premiums are paid.
- Long-Term Impact: Future insurance premiums may rise, as insurers consider drivers without insurance a high-risk profile.
2. Risks of Driving Without Valid Roadtax
- Fines & Compounds: JPJ typically imposes fines ranging from RM300 to RM5,000, depending on vehicle type and circumstances.
- Driving Restrictions: Authorities may impound vehicles that have invalid roadtax.
- No Insurance Coverage: Some insurers may reject claims if the vehicle’s roadtax is invalid at the time of the accident.
3. Combined Risks: No Insurance & Roadtax
Driving without both increases legal and financial risks. In an accident, drivers can face third-party claims, vehicle impoundment, and multiple fines — potentially costing thousands of ringgit.
4. Tips to Avoid Risks with BJAK
- Check Roadtax & Insurance Online: BJAK allows quick online verification of policy and roadtax status without queuing at Pos Malaysia or JPJ.
- Renew Insurance & Roadtax Together: BJAK makes renewal fast and easy — including digital roadtax options at no extra cost.
- VIP Rescue Package: Fully insured drivers can enjoy added benefits such as towing and emergency assistance through BJAK.
Conclusion
Driving without insurance or valid roadtax not only breaks the law but also exposes drivers to serious financial risk. Drivers can quickly check and renew their vehicles through BJAK, ensuring full protection and compliance while avoiding fines and long-term issues.
Read More:
Renew Insurance on Behalf of Another: What You Need to Know
