{"id":43414,"date":"2023-10-12T18:02:41","date_gmt":"2023-10-12T10:02:41","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=43414"},"modified":"2025-09-12T17:39:31","modified_gmt":"2025-09-12T09:39:31","slug":"car-insurance-premium-2","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-2","title":{"rendered":"Is It Okay To Skip Paying Your Car Insurance Premium?"},"content":{"rendered":"\n<p>People skip paying <a href=\"https:\/\/bjak.my\/en\">car insurance<\/a> premiums for many reasons. Some ignore it because they don&#8217;t drive as much, while others skip due to budget constraints. There are also some who skip it because they feel it&#8217;s not something they need, as they rarely get into accidents. <\/p>\n\n\n\n<p>Whatever the case, skipping premium payments causes many problems for policyholders because a <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/\">car policy<\/a> is part and parcel of owning a car. If you are considering skipping your insurance renewal, read this before you make the call.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d8b5e9716ea\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d8b5e9716ea\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-2\/#Road_tax_cannot_be_renewed\" title=\"Road tax cannot be renewed\">Road tax cannot be renewed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-2\/#Policy_cancellation\" title=\"Policy cancellation\">Policy cancellation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-2\/#Insurance_lapse\" title=\"Insurance lapse\">Insurance lapse<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-2\/#Paying_higher_premiums\" title=\"Paying higher premiums\">Paying higher premiums<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-2\/#Impacts_on_credit_score\" title=\"Impacts on credit score\">Impacts on credit score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-2\/#What%E2%80%99s_the_verdict\" title=\"What&#8217;s the verdict?\">What&#8217;s the verdict?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Road_tax_cannot_be_renewed\"><\/span>Road tax cannot be renewed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you own a car, you&#8217;d probably know that a car&#8217;s road tax and insurance are tied together. They are designed to work hand in hand, so one cannot operate a vehicle without the absence of the latter. Since <a href=\"https:\/\/bjak.my\/en\">motor insurance<\/a> is compulsory for all vehicles in Malaysia, you cannot renew your road tax if you don&#8217;t pay for your insurance.<\/p>\n\n\n\n<p>If caught driving without a valid road tax, you can be fined up to RM3,000 under Section 14(4) of the Road Transport Act (RTA) 1987. So, never take insurance renewals lightly if you plan to continue driving in Malaysia. Luckily, both documents expire simultaneously, providing further incentive for concurrent renewals.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Policy_cancellation\"><\/span>Policy cancellation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Another possible consequence of not paying for your car insurance premium is your policy being cancelled by the insurer. Vehicle insurance acts as a shield. It protects owners against the financial burden of repairing a damaged car. Without it, they are not protected against accidents, theft, loss and damages caused by convulsions of nature.<\/p>\n\n\n\n<p>Damages from these incidents typically cost a fortune, which can be too much out-of-pocket expenses for most people. But with insurance, you don&#8217;t have to worry about paying a hefty sum for unexpected vehicle repairs.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Insurance_lapse\"><\/span>Insurance lapse<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Not paying or making late payments can also cause your policy to lapse. A lapse in coverage means that the policyholder and their vehicle are not covered for a given period of time. Insurance policies typically expire after a grace period (usually 30 days), within which you must settle your outstanding payment to resume the coverage.<\/p>\n\n\n\n<p>Failure to settle the payment within the grace period can lead to policy lapse, which can subsequently lead to cancellation. Though lapses are pretty common due to reasons such as owners forgetting to renew their insurance or financial constraints, you should never let it pass the grace period to remain covered.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Paying_higher_premiums\"><\/span>Paying higher premiums<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A lot of people skip insurance renewals to save up on cash. But this mistake can, in return, cost you more when you choose to renew your car policy again. For example, some insurers may charge you a penalty to activate a lapsed policy, which could affect the final amount you must pay.<\/p>\n\n\n\n<p>At the same time, skipping renewals can potentially affect your No-Claim Discount (NCD) rate. Remember that every NCD is only valid for one year. Failing to renew your insurance on time (for over a year) will gradually decrease your NCD. For example, if your current year NCD is 55%, a year of not renewing your insurance will decrease it to 45%.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Impacts_on_credit_score\"><\/span>Impacts on credit score<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Though it seems unlikely, skipping car insurance payments can negatively impact your credit score. This is because pending insurance premiums are also recorded among the information collected in the Central Credit Reference Information System (CCRIS).<\/p>\n\n\n\n<p>If you have been found to skip insurance renewals, your credit score may deteriorate as it reflects your creditworthiness&nbsp;and likelihood of making payments on time. So, don&#8217;t take a chance and risk your credit score by skipping insurance renewals. This can have a lasting impact on your future financing requests.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What%E2%80%99s_the_verdict\"><\/span>What&#8217;s the verdict?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As you can see, skipping insurance renewal is not encouraged because it can result in serious ramifications that hinder your ability to use your vehicle. So, to make things easier, we recommend performing renewals as usual. <\/p>\n\n\n\n<p>If you ever feel your car premium to be too expensive, consider using online platforms like Bjak, where you can find affordable plans with savings of up to RM500. You can even pay for your coverage in instalments with our Buy Now, Pay Later options. Check out Bjak.my to learn more.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!<\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=car-insurance-premium-2\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get Free Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><strong style=\"background-color: var(--nv-site-bg); color: var(--nv-text-color); font-family: var(--bodyfontfamily); font-size: var(--bodyfontsize); letter-spacing: var(--bodyletterspacing); text-transform: var(--bodytexttransform);\"><em><a href=\"https:\/\/bjak.my\/blog\/compulsory-excess-malaysia\/\">Compulsory Excess Vs. Voluntary Excess In Malaysia<\/a><\/em><\/strong><\/li><li><em><a href=\"https:\/\/bjak.my\/blog\/electric-vehicle-insurance\/\"><strong>5 Factors To Consider When Insuring Electric Vehicles<\/strong><\/a><\/em><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/hybrid-car-insurance\/\">Auto Insurance For Hybrid Cars<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Paying car insurance premium may be a waste of money to some people. But it has serious consequences. Find out what they are here.<\/p>\n","protected":false},"author":19,"featured_media":43417,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Insurance: Is It Okay To Skip Premium Payment?<\/title>\n<meta name=\"description\" content=\"Paying car insurance premium may be a waste of money to some people. But it has serious consequences. 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