No Driving Licence: Can You Claim Insurance For Motorcycle Theft?

Did you lose your motorcycle In such a situation, you can file a claim to your insurer for compensation.

However, what if you do not possess a valid driving licence? Can you file a claim for motorcycle theft Find out through this article!

Motorcycle insurance

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Motorcycles are recorded as the highest possible vehicle to be stolen. About 6,057 motorcycle theft were recorded in 2020. The amount is higher than the car (4,596) and heavy vehicles (925). In the event of accidental motorcycle theft, the owner can file a claim from their insurer. However, what happens if the owner does not possess a driving licence? Are they still eligible to file a claim? Read on as we explain further regarding the concern in question.

Requirements to file a motorcycle theft claim

You need to meet the following requirements before proceeding with the claim.

  1. Purchase a comprehensive policy or third-party, fire and theft policy
  2. Insurance and road tax are still valid
  3. Possess a valid motorcycle licence

No driving licence: Can you claim insurance for motorcycle theft?

Referring to the requirements above, you need to ensure you have a valid licence to avoid claim denial. Therefore, if you do not have a licence at the time of the incident (theft), your insurer has the right to reject your claim application.

In a nutshell, a person cannot claim insurance if the person does not have a valid licence.

Under Section 26 (1) of the Road Transport Act (APJ), you are liable for a fine of up to RM300. In addition, your vehicle can be confiscated if you are found to be driving without a licence.

Necessary documents for a motorcycle theft claim

  1. Copy of MyKad
  2. Copy of valid driving licence
  3. Police report
  4. Insurance policy
  5. Spare key of the motorcycle

Get valid driving licence

Lesen memandu diperlukan oleh semua pemilik kenderaan

Please ensure to get a valid driving licence. Absent of a driving licence will land you in financial trouble in case of emergencies. Be it with theft or an accident.

The followings are the estimated price for driving licence both motorcycle and car:

Licence typeClassPrice
MotorcycleB2RM350 – RM450
MotorcycleBRM900 – RM1,100
Manual carDRM1,150 – RM1,300
Automatic carDARM1,250 – RM1,500

Please refer to our previous article to get further information regarding steps to get a driving licence for your reference.

On another note, we would like to advise you to obtain the licence through the proper channel. Do not be fooled by such a scam that offers a shortcut to get the licence such as the ‘lesen terbang’ syndicate.

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