Introduction
With the rise of online car insurance in Malaysia, scammers are targeting unsuspecting buyers. Offers that are “too cheap to be true” or “instant coverage” may be fraudulent. This article explains the warning signs, risks, and ways to avoid car insurance scams in Malaysia.
How Car Insurance Scammers Work
- Fake Social Media Ads – prices far below market rates.
- Advance Payments to Personal Accounts – not official company accounts.
- Fake Policy / Receipt – invalid insurance documents.
- No Official JPJ / Insurance Channels – policy not listed on MyJPJ or recognized portals.
| Scam Tactic | Risk | How to Verify |
| Unrealistically cheap price | Money lost with no refund | Compare with official Bjak / MyEG / Pos Malaysia rates |
| Fake receipt / instant policy | Not valid at JPJ | Verify directly on JPJ/MyJPJ portal |
| Payment to personal accounts | Financial fraud | Pay only through official portal / company account |
Risks of Falling for Scams
- Invalid Policy – your car is considered uninsured.
- JPJ / Police Fines – driving without valid insurance can result in penalties.
- Financial Loss – money lost with no compensation.
- Personal Data Exposure – IC & vehicle info may be misused.
How to Avoid Insurance Scams
- Use Legit Platforms : JPJ/MyJPJ,MyEG, Bjak.
- Ignore offers that are too cheap on social media.
- Pay through official accounts / portals only.
- Ensure policy appears in MyJPJ or a recognized platform.
- Compare coverage options & price before purchase.
Conclusion
Insurance scams are becoming more complex and harder to detect, but by identifying the early warning signs and only using official platforms you’re able to protect yourself. Just keep in mind, if the offer is enticing it would probably be a scam and we always got keep in mind for car insurance scams in Malaysia.
Frequently Asked Questions (FAQ)
1. Can I buy Cheap Insurance through Social Media?
No. Although certain platforms have social media, they will most likely guide you the official site.
2.How to check if policy is valid?
Check directly on official platform apps like MyJPJ or Bjak/MyEG.
3. What to do if already scammed?
Immediately file a police report and notify JPJ/KPDN to prevent further fraud
Read More:
How to Renew Car Insurance Online with MyEG
