Renew Car Insurance & Roadtax With Outstanding Fines?

Many Malaysian drivers think that you’re able to renew insurance & roadtax whilst having outstanding traffic fines. Answer really depends on what type of fines and from whom, updated information states having outstanding fines from the town council may have the same affect as JPJ/PDRM fines that will prevent from roadtax renewal process.

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How Outstanding Fines Affect Renewal

There are two main types of fines: JPJ fines and Police fines. Each affects insurance and roadtax renewal differently:

Type of Fine	Impact on Insurance Renewal	Impact on Roadtax
JPJ	Usually does not block insurance renewal, but unpaid fines can affect NCD	Roadtax cannot be issued until JPJ fines are paid
Police	Does not block insurance renewal, but traffic offense records are logged	Does not block roadtax, but outstanding fines must be settled

Note: While platforms like Bjak allow insurance renewal even with fines, JPJ roadtax generally requires all JPJ fines to be settled first.

Tips to Renew Insurance & Roadtax With Outstanding Fines

Check the fine type: Identify whether it’s a JPJ or Police fine.
Pay critical JPJ fines: To avoid roadtax issues, settle JPJ fines first.
Use online platforms: Bjak allows car insurance renewal even with fines, as long as no other issues exist.
Plan payments strategically: Pay the most critical fines first to facilitate roadtax renewal.
Keep payment receipts: Proof of payment helps resolve any disputes during renewal.

FAQ

Q1:Possible to renew with outstanding JPJ fines?
A: Not necessarily, it is best to have no fines to ensure no issue arises when renewing roadtax..

Q2: Does PDRM fines block insurance renewal?
A: No, fines will never block the process for insurance renewal.

Q3: How to check outstanding fines?
A: Check via JPJ, MyEG, Pos Malaysia, or the mySikap myBayar payment portal.

Two-column infographic comparing effects of JPJ vs Police summons on renewing insurance and roadtax. Icons of summons, car, insurance, and traffic record. Center line reads “Impact on Renewal”.

Conclusion

Outstanding fines or blacklisted summons have no effect for vehicle insurance renewal. However, the only thing that can be affected is the roadtax renewal process. Always clear outstanding fines before insurance purchasing insurance to have smoother renewal process by using platforms like Bjak for hassle free renewal.

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