{"id":52554,"date":"2026-05-04T00:00:00","date_gmt":"2026-05-03T16:00:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=52554"},"modified":"2026-10-05T15:10:54","modified_gmt":"2026-10-05T07:10:54","slug":"boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak","title":{"rendered":"Boleh Renew Insurans dan Roadtax Jika Ada Saman?"},"content":{"rendered":"\n<p>Ramai pemandu tertanya-tanya sama ada saman tertunggak akan menghalang mereka daripada <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=boleh-ke-renew-insurans--roadtax-kalau-ada-saman-tertunggak\" target=\"_blank\" rel=\"noreferrer noopener\">renew insurans kereta<\/a> atau <a href=\"https:\/\/bjak.my\/ms\/roadtax\/renew-roadtax\" target=\"_blank\" rel=\"noreferrer noopener\">roadtax<\/a>.<\/p>\n\n\n\n<p>Jawapannya bergantung pada <strong>status saman dan sama ada terdapat sekatan pada rekod JPJ atau PDRM<\/strong>.<\/p>\n\n\n\n<p>Ada saman tertunggak tidak semestinya bermaksud semua urusan renewal akan terus disekat. Namun, jika saman tidak diselesaikan dan menyebabkan senarai hitam atau sekatan urus niaga, ia boleh menjejaskan urusan berkaitan kenderaan.<\/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-6ac39787a0ce2\" 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-6ac39787a0ce2\"><\/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\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#Boleh_renew_insurans_kereta_jika_ada_saman\" title=\"Boleh renew insurans kereta jika ada saman?\">Boleh renew insurans kereta jika ada saman?<\/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\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#Boleh_renew_roadtax_jika_ada_saman_tertunggak\" title=\"Boleh renew roadtax jika ada saman tertunggak?\">Boleh renew roadtax jika ada saman tertunggak?<\/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\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#Apa_berlaku_jika_saman_dibiarkan_terlalu_lama\" title=\"Apa berlaku jika saman dibiarkan terlalu lama?\">Apa berlaku jika saman dibiarkan terlalu lama?<\/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\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#Cara_semak_saman_tertunggak\" title=\"Cara semak saman tertunggak\">Cara semak saman tertunggak<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#1_Semak_melalui_MyJPJ\" title=\"1. Semak melalui MyJPJ\">1. Semak melalui MyJPJ<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#2_Semak_status_senarai_hitam_JPJ\" title=\"2. Semak status senarai hitam JPJ\">2. Semak status senarai hitam JPJ<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#3_Semak_saman_PDRM\" title=\"3. Semak saman PDRM\">3. Semak saman PDRM<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#Apa_perlu_buat_sebelum_renew_roadtax\" title=\"Apa perlu buat sebelum renew roadtax?\">Apa perlu buat sebelum renew roadtax?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#FAQ\" title=\"FAQ\">FAQ<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#Q1_Boleh_ke_renew_insurans_kereta_kalau_ada_saman\" title=\"Q1: Boleh ke renew insurans kereta kalau ada saman?\">Q1: Boleh ke renew insurans kereta kalau ada saman?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#Q2_Adakah_saman_tertunggak_akan_mengurangkan_NCD\" title=\"Q2: Adakah saman tertunggak akan mengurangkan NCD?\">Q2: Adakah saman tertunggak akan mengurangkan NCD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#Q3_Adakah_semua_saman_JPJ_menghalang_renewal_roadtax\" title=\"Q3: Adakah semua saman JPJ menghalang renewal roadtax?\">Q3: Adakah semua saman JPJ menghalang renewal roadtax?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#Q4_Bagaimana_nak_tahu_roadtax_saya_disekat_kerana_saman\" title=\"Q4: Bagaimana nak tahu roadtax saya disekat kerana saman?\">Q4: Bagaimana nak tahu roadtax saya disekat kerana saman?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#Q5_Boleh_renew_insurans_dahulu_sebelum_selesaikan_saman\" title=\"Q5: Boleh renew insurans dahulu sebelum selesaikan saman?\">Q5: Boleh renew insurans dahulu sebelum selesaikan saman?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Boleh_renew_insurans_kereta_jika_ada_saman\"><\/span>Boleh renew insurans kereta jika ada saman?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara umum, saman trafik bukan sebahagian daripada pengiraan premium insurans.<\/p>\n\n\n\n<p>Jadi, mempunyai saman tertunggak tidak semestinya menghalang anda daripada membeli atau memperbaharui insurans kereta.<\/p>\n\n\n\n<p>Menurut BJAK, syarikat insurans tidak menggunakan status saman trafik sebagai faktor untuk menentukan premium motor. Premium lebih bergantung kepada perkara seperti kenderaan, jumlah perlindungan, NCD dan perlindungan tambahan yang dipilih.<\/p>\n\n\n\n<p>Namun, jika saman tersebut berkait dengan kemalangan yang menghasilkan tuntutan insurans, <strong>tuntutan tersebut<\/strong> boleh memberi kesan kepada NCD. Bukan saman itu sendiri.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Boleh_renew_roadtax_jika_ada_saman_tertunggak\"><\/span>Boleh renew roadtax jika ada saman tertunggak?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ini bergantung kepada status rekod anda.<\/p>\n\n\n\n<p>Jangan anggap semua saman tertunggak akan terus menyebabkan roadtax tidak boleh diperbaharui.<\/p>\n\n\n\n<p>Yang boleh menyebabkan urusan roadtax terganggu termasuk:<\/p>\n\n\n\n<ul><li>Senarai hitam JPJ atau PDRM<\/li><li>Sekatan urus niaga<\/li><li>Rekod kenderaan yang mempunyai masalah<\/li><li>Perkara lain yang masih belum diselesaikan dengan pihak berkuasa<\/li><\/ul>\n\n\n\n<p>JPJ menyediakan semakan status senarai hitam untuk pemilik atau pemandu yang mempunyai saman atau notis tertentu.<\/p>\n\n\n\n<p>BJAK juga menyatakan bahawa pembaharuan roadtax boleh tertangguh jika terdapat sekatan JPJ atau PDRM yang berkaitan dengan kenderaan atau rekod pemilik.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_berlaku_jika_saman_dibiarkan_terlalu_lama\"><\/span>Apa berlaku jika saman dibiarkan terlalu lama?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tidak semua saman terus menjadi kes mahkamah.<\/p>\n\n\n\n<p>Bagi saman atau notis yang tidak dibayar dalam tempoh yang ditetapkan, tindakan lanjut boleh diambil bergantung kepada jenis kesalahan dan status kes.<\/p>\n\n\n\n<p>JPJ menyatakan bahawa pemandu atau pemilik kenderaan yang tidak membayar kompaun dalam tempoh 60 hari boleh dirujuk ke mahkamah. Jika tidak hadir ke mahkamah, pemilik, kenderaan atau lesen memandu boleh disenarai hitam sehingga kes diselesaikan.<\/p>\n\n\n\n<p>Sebab itu, jika anda mempunyai saman tertunggak, lebih baik semak statusnya terlebih dahulu daripada terus menganggap roadtax pasti tidak boleh diperbaharui.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_semak_saman_tertunggak\"><\/span>Cara semak saman tertunggak<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda boleh menggunakan saluran rasmi untuk menyemak status saman dan senarai hitam.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Semak_melalui_MyJPJ\"><\/span>1. Semak melalui MyJPJ<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Aplikasi <a href=\"https:\/\/www.jpj.gov.my\/myjpj\/\" target=\"_blank\" rel=\"noreferrer noopener\">MyJPJ<\/a> membolehkan pengguna menyemak saman JPJ, mata demerit dan status senarai hitam.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Semak_status_senarai_hitam_JPJ\"><\/span>2. Semak status senarai hitam JPJ<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>JPJ turut menyediakan kemudahan semakan status senarai hitam.<\/p>\n\n\n\n<p>Semakan ini lebih berguna jika anda ingin mengetahui sama ada terdapat sekatan yang boleh menjejaskan urusan kenderaan anda.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Semak_saman_PDRM\"><\/span>3. Semak saman PDRM<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika saman dikeluarkan oleh PDRM, gunakan saluran rasmi PDRM untuk menyemak dan membuat pembayaran.<\/p>\n\n\n\n<p>Pastikan anda menyemak kedua-dua rekod jika anda tidak pasti saman tersebut dikeluarkan oleh JPJ atau PDRM.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_perlu_buat_sebelum_renew_roadtax\"><\/span>Apa perlu buat sebelum renew roadtax?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebelum membuat pembaharuan, anda boleh ikut langkah mudah ini:<\/p>\n\n\n\n<ol><li>Semak saman JPJ dan PDRM.<\/li><li>Semak sama ada terdapat status senarai hitam atau sekatan.<\/li><li>Selesaikan saman atau perkara tertunggak yang menyebabkan sekatan, jika ada.<\/li><li>Pastikan insurans kereta sudah aktif.<\/li><li>Kemudian buat pembaharuan roadtax.<\/li><\/ol>\n\n\n\n<p>Jika roadtax tidak dapat diproses walaupun anda sudah membayar saman, semak semula status rekod dengan pihak berkuasa kerana kemas kini atau sekatan lain mungkin masih wujud.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ\"><\/span>FAQ<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Q1_Boleh_ke_renew_insurans_kereta_kalau_ada_saman\"><\/span>Q1: Boleh ke renew insurans kereta kalau ada saman?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Secara umum, saman trafik tidak semestinya menghalang anda daripada memperbaharui insurans kereta.<\/p>\n\n\n\n<p>Namun, proses lain seperti roadtax boleh terjejas jika terdapat sekatan atau senarai hitam.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Q2_Adakah_saman_tertunggak_akan_mengurangkan_NCD\"><\/span>Q2: Adakah saman tertunggak akan mengurangkan NCD?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tidak. Saman trafik itu sendiri tidak mengurangkan NCD.<\/p>\n\n\n\n<p>NCD boleh terjejas apabila berlaku tuntutan insurans tertentu, bergantung kepada jenis tuntutan dan keadaan kes.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Q3_Adakah_semua_saman_JPJ_menghalang_renewal_roadtax\"><\/span>Q3: Adakah semua saman JPJ menghalang renewal roadtax?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tidak semestinya.<\/p>\n\n\n\n<p>Kesan terhadap renewal bergantung pada status saman dan sama ada terdapat senarai hitam, sekatan urus niaga atau perkara lain yang belum diselesaikan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Q4_Bagaimana_nak_tahu_roadtax_saya_disekat_kerana_saman\"><\/span>Q4: Bagaimana nak tahu roadtax saya disekat kerana saman?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Semak saman dan status senarai hitam melalui saluran JPJ yang rasmi. Jika terdapat sekatan, selesaikan perkara tersebut dengan pihak berkuasa berkaitan sebelum cuba memperbaharui roadtax.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Q5_Boleh_renew_insurans_dahulu_sebelum_selesaikan_saman\"><\/span>Q5: Boleh renew insurans dahulu sebelum selesaikan saman?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Secara umum, anda boleh menguruskan insurans terlebih dahulu. Tetapi pastikan tiada sekatan yang menghalang pembaharuan roadtax sebelum memandu kenderaan di jalan raya.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-27.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik dua lajur membandingkan kesan saman terhadap pembaharuan insurans dan roadtax di Malaysia\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span>Kesimpulan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ada saman tertunggak tidak semestinya bermaksud anda tidak boleh renew insurans atau roadtax.<\/p>\n\n\n\n<p>Untuk insurans, saman trafik bukan faktor utama dalam menentukan premium. Untuk roadtax pula, perkara yang lebih penting ialah sama ada terdapat <strong>senarai hitam, sekatan urus niaga atau rekod lain yang menghalang transaksi<\/strong>.<\/p>\n\n\n\n<p>Jadi, sebelum renew roadtax, semak status saman dan senarai hitam terlebih dahulu. Jika terdapat sekatan, selesaikan perkara tersebut dengan pihak berkuasa berkaitan.<\/p>\n\n\n\n<p>Untuk urusan insurans, anda boleh <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=boleh-ke-renew-insurans--roadtax-kalau-ada-saman-tertunggak\" target=\"_blank\" rel=\"noreferrer noopener\">bandingkan sebut harga insurans kereta di Bjak<\/a>.<\/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-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms\/roadtax?utm_source=blog&amp;utm_campaign=boleh-renew-insurans-dan-roadtax-jika-ada-saman\" style=\"background-color:#ffd103\">Renew Roadtax<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u201cKetahui cara renew insurans dan roadtax walaupun ada saman tertunggak, termasuk langkah penting bayar saman JPJ dan rekod trafik Polis.\u201d<\/p>\n","protected":false},"author":31,"featured_media":52625,"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":[350],"tags":[249,436,729,2904],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Boleh Renew Insurans dan Roadtax Jika Ada Saman? | BJAK<\/title>\n<meta name=\"description\" content=\"Boleh renew insurans dan roadtax jika ada saman? 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