{"id":52582,"date":"2025-10-04T00:58:19","date_gmt":"2025-10-03T16:58:19","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=52582"},"modified":"2025-11-05T16:59:28","modified_gmt":"2025-11-05T08:59:28","slug":"renew-car-insurance-roadtax-with-outstanding-fines","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/renew-car-insurance-roadtax-with-outstanding-fines","title":{"rendered":"Renew Car Insurance &#038; Roadtax With Outstanding Fines?"},"content":{"rendered":"\n<p>Many Malaysian drivers think that you&#8217;re able to renew insurance &amp; 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.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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-69d472c968c66\" 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-69d472c968c66\"><\/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\/renew-car-insurance-roadtax-with-outstanding-fines\/#How_Outstanding_Fines_Affect_Renewal\" title=\"How Outstanding Fines Affect Renewal\">How Outstanding Fines Affect Renewal<\/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\/renew-car-insurance-roadtax-with-outstanding-fines\/#Tips_to_Renew_Insurance_Roadtax_With_Outstanding_Fines\" title=\"Tips to Renew Insurance &amp; Roadtax With Outstanding Fines\">Tips to Renew Insurance &amp; Roadtax With Outstanding Fines<\/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\/renew-car-insurance-roadtax-with-outstanding-fines\/#FAQ\" title=\"FAQ\">FAQ<\/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\/renew-car-insurance-roadtax-with-outstanding-fines\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_Outstanding_Fines_Affect_Renewal\"><\/span><strong>How Outstanding Fines Affect Renewal<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are two main types of fines: <strong>JPJ fines<\/strong> and <strong>Police fines<\/strong>. Each affects insurance and roadtax renewal differently:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><tbody><tr><td><strong>Type of Fine<\/strong><\/td><td><strong>Impact on Insurance Renewal<\/strong><\/td><td><strong>Impact on Roadtax<\/strong><\/td><\/tr><tr><td>JPJ<\/td><td>Usually does not block insurance renewal, but unpaid fines can affect NCD<\/td><td>Roadtax cannot be issued until JPJ fines are paid<\/td><\/tr><tr><td>Police<\/td><td>Does not block insurance renewal, but traffic offense records are logged<\/td><td>Does not block roadtax, but outstanding fines must be settled<\/td><\/tr><\/tbody><\/table><figcaption><strong>Note:<\/strong> While platforms like <strong>Bjak<\/strong> allow insurance renewal even with fines, <strong>JPJ roadtax<\/strong> generally requires all JPJ fines to be settled first.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tips_to_Renew_Insurance_Roadtax_With_Outstanding_Fines\"><\/span><strong>Tips to Renew Insurance &amp; Roadtax With Outstanding Fines<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Check the fine type:<\/strong> Identify whether it\u2019s a JPJ or Police fine.<br><\/li><li><strong>Pay critical JPJ fines:<\/strong> To avoid roadtax issues, settle JPJ fines first.<br><\/li><li><strong>Use online platforms:<\/strong> <strong>Bjak<\/strong> allows car insurance renewal even with fines, as long as no other issues exist.<br><\/li><li><strong>Plan payments strategically:<\/strong> Pay the most critical fines first to facilitate roadtax renewal.<br><\/li><li><strong>Keep payment receipts:<\/strong> Proof of payment helps resolve any disputes during renewal.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ\"><\/span><strong>FAQ<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Q1:Possible to renew with outstanding JPJ fines?<\/strong><strong><br><\/strong> A: Not necessarily, it is best to have no fines to ensure no issue arises when renewing roadtax..<\/p>\n\n\n\n<p><strong>Q2: Does PDRM fines block insurance renewal?<\/strong><strong><br><\/strong> A: No, fines will never block the process for insurance renewal.<\/p>\n\n\n\n<p><strong>Q3: How to check outstanding fines?<\/strong><strong><br><\/strong> A: Check via <strong>JPJ, MyEG, Pos Malaysia<\/strong>, or the mySikap myBayar payment portal.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"52666\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/renew-car-insurance-roadtax-with-outstanding-fines\/attachment\/4-26-3\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-26.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"4-26\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-26.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-26.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-26.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"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 \u201cImpact on Renewal\u201d.\" class=\"wp-image-52666\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-26.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-26.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-26.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-26.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-26.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>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.<\/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?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=renew-car-insurance--roadtax-with-outstanding-fines\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/faq-about-car-insurance-cover-note\">FAQ About Car Insurance Cover Note<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/why-a-cover-note-is-important-during-an-accident\">Why a Cover Note is Important During an Accident<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-to-save-digital-roadtax-in-myjpj\">How to Save Digital Roadtax in MyJPJ<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cLearn how to renew car insurance and roadtax with outstanding fines, including steps to settle JPJ fines and Police traffic records.\u201d<\/p>\n","protected":false},"author":31,"featured_media":52665,"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":[2897,2908,2728,436],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Renew Car Insurance &amp; Roadtax With Outstanding Fines? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Renew Car Insurance &amp; Roadtax With Outstanding Fines? 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