A cover note is proof that your car is temporarily insured while waiting for the full policy. But what happens if you don’t bring your cover note during a JPJ check? This article explains the possible actions from authorities and simple ways to avoid trouble.
Why Cover Note is Important
- Proof of active insurance on the road.
- Required during JPJ or PDRM roadblocks.
- Ensures claims can be processed if an accident occurs before the full policy is issued.
Risks of Not Having a Cover Note
- Fined by JPJ: You may be penalized for not showing proof of active insurance.
- Invalid Roadtax: JPJ may refuse roadtax renewal without valid proof.
- Insurance Claim Issues: If an accident happens, the insurer may require proof of active coverage.
How to Avoid Issues During JPJ Inspection
- Digital copy: Bjak platform will send your cover note link via email/whatsapp.
- Physical copy: Keep a printed copy as a backup.
- Expiry dates: Ensure policy and roadtax are up to date.
FAQs
1. Can JPJ give just a warning instead of a fine?
Depends on the officer, but officially you must show proof of insurance.
2. What if there’s a sudden roadblock?
Show your digital or printed cover note. If none, a fine is still possible.
3. Is a cover note valid for renewing roadtax?
Yes, a valid cover note is accepted for roadtax renewal.
Conclusion
A cover note isn’t just a small document — it’s proof of valid coverage that can prevent fines, roadtax issues, and insurance claim difficulties. Keep both digital and printed copies handy so you’re always ready with a cover note if JPJ check is just around the corner.
Read More:
Complete Checklist Before Renewing Car Insurance & Roadtax
