{"id":53582,"date":"2025-10-18T19:55:34","date_gmt":"2025-10-18T11:55:34","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53582"},"modified":"2025-11-03T17:56:35","modified_gmt":"2025-11-03T09:56:35","slug":"apa-jadi-kalau-pemandu-tiada-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-jadi-kalau-pemandu-tiada-insurans","title":{"rendered":"Apa Jadi Kalau Pemandu Tiada Insurans?"},"content":{"rendered":"\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-69d442c106740\" 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-69d442c106740\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-jadi-kalau-pemandu-tiada-insurans\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-jadi-kalau-pemandu-tiada-insurans\/#1_Risiko_Undang-Undang_%E2%80%93_Bukan_Main-Main\" title=\"1. Risiko Undang-Undang \u2013 Bukan Main-Main\">1. Risiko Undang-Undang \u2013 Bukan Main-Main<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-jadi-kalau-pemandu-tiada-insurans\/#2_Tanggung_Sendiri_Kalau_Berlaku_Kemalangan\" title=\"2. Tanggung Sendiri Kalau Berlaku Kemalangan\">2. Tanggung Sendiri Kalau Berlaku Kemalangan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-jadi-kalau-pemandu-tiada-insurans\/#3_Tiada_Pampasan_Untuk_Diri_Sendiri\" title=\"3. Tiada Pampasan Untuk Diri Sendiri\">3. Tiada Pampasan Untuk Diri Sendiri<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-jadi-kalau-pemandu-tiada-insurans\/#4_Roadtax_Pun_Tak_Boleh_Diperbaharui\" title=\"4. Roadtax Pun Tak Boleh Diperbaharui\">4. Roadtax Pun Tak Boleh Diperbaharui<\/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\/apa-jadi-kalau-pemandu-tiada-insurans\/#5_Cara_Elak_Situasi_Ini\" title=\"5. Cara Elak Situasi Ini\">5. Cara Elak Situasi Ini<\/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\/apa-jadi-kalau-pemandu-tiada-insurans\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ramai pemandu di Malaysia masih ambil mudah soal insurans kereta. Ada yang sanggup tangguh, ada juga yang terus pandu tanpa perlindungan sah. Tapi, tahukah anda bahawa <strong>pemandu yang tiada insurans<\/strong> bukan sekadar risiko kewangan, malah <strong>melanggar undang-undang<\/strong>?<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Risiko_Undang-Undang_%E2%80%93_Bukan_Main-Main\"><\/span><strong>1. Risiko Undang-Undang \u2013 Bukan Main-Main<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Mengikut <strong>Akta Pengangkutan Jalan 1987 (Seksyen 90)<\/strong>, setiap kenderaan mesti mempunyai insurans motor yang sah sebelum digunakan di jalan raya.<br>Kalau anda ditahan dan didapati tiada insurans, anda boleh dikenakan:<\/p>\n\n\n\n<ul><li><strong>Denda sehingga RM1,000<\/strong><strong><br><\/strong><\/li><li><strong>Gantung lesen memandu<\/strong><strong><br><\/strong><\/li><li><strong>Saman atau disenarai hitam JPJ<\/strong><strong><br><\/strong><\/li><\/ul>\n\n\n\n<p>Dan kalau kemalangan berlaku? Anda mungkin tak dapat <strong>renew roadtax atau insurans baru<\/strong> sehingga kes diselesaikan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Tanggung_Sendiri_Kalau_Berlaku_Kemalangan\"><\/span><strong>2. Tanggung Sendiri Kalau Berlaku Kemalangan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tanpa insurans, semua kos \u2014 baik kerosakan kenderaan, hospital, atau pampasan kepada pihak lain \u2014 <strong>anda kena tanggung sendiri<\/strong>.<br>Bayangkan kalau kemalangan libatkan kereta mewah atau kecederaan serius, jumlahnya boleh mencecah <strong>ratusan ribu ringgit<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Tiada_Pampasan_Untuk_Diri_Sendiri\"><\/span><strong>3. Tiada Pampasan Untuk Diri Sendiri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kalau guna insurans sah (contohnya polisi komprehensif), anda boleh tuntut kerosakan pada kenderaan sendiri. Tapi kalau tiada insurans, anda <strong>hilang hak untuk tuntut apa-apa<\/strong>.<br>Lebih malang, jika anda cedera atau meninggal dunia, tiada pampasan akan dibayar kepada waris.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Roadtax_Pun_Tak_Boleh_Diperbaharui\"><\/span><strong>4. Roadtax Pun Tak Boleh Diperbaharui<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>JPJ hanya benarkan <strong>renew roadtax<\/strong> selepas anda mempunyai polisi insurans aktif.<br>Tanpa insurans:<\/p>\n\n\n\n<ul><li>Sistem MyJPJ, MyEG, atau Bjak akan tunjuk \u201cgagal disemak\u201d.<br><\/li><li>Anda tak boleh teruskan urusan pembaharuan roadtax.<br><\/li><\/ul>\n\n\n\n<p>Maknanya, kalau tiada insurans, <strong>kereta anda secara automatik dianggap tidak sah di jalan raya<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Cara_Elak_Situasi_Ini\"><\/span><strong>5. Cara Elak Situasi Ini<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kalau anda nak pastikan diri dilindungi tanpa beban kewangan besar:<\/p>\n\n\n\n<ul><li><strong>Semak polisi insurans aktif<\/strong> melalui platform seperti <strong>Bjak<\/strong>, MyJPJ, atau MyEG.<br><\/li><li><strong>Bandingkan pelan insurans<\/strong> untuk dapat harga terbaik. Bjak bantu semak pelbagai pilihan dan terus keluarkan polisi secara <strong>instan<\/strong>.<br><\/li><li>Guna pilihan <strong>\u201cBuy Now Pay Later\u201d (BNPL)<\/strong> jika bajet ketat \u2014 boleh bayar ansur dan masih kekal dilindungi.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pemandu tiada insurans bukan sahaja melanggar undang-undang, tapi boleh menghancurkan kewangan anda kalau kemalangan berlaku. Jadi sebelum keluar rumah, <strong>pastikan insurans anda masih aktif<\/strong>. Semak di Bjak untuk elak sebarang risiko \u2014 sebab perlindungan hari ini boleh selamatkan anda esok.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53645\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-jadi-kalau-pemandu-tiada-insurans\/attachment\/3-107\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-107.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=\"3-107\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-107.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-107.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\/3-107.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik bertajuk \u201cAkibat Memandu Tanpa Insurans\u201d dengan tiga lajur ikon \u2014 \ud83d\ude94 denda dan gantung lesen, \ud83d\udcb8 bayar sendiri kerosakan, dan \u274c tiada pampasan atau roadtax ditolak. Warna tema merah dengan highlight kuning sebagai peringatan.\" class=\"wp-image-53645\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-107.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-107.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-107.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-107.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-107.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\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=apa-jadi-kalau-pemandu-tiada-insurans\" style=\"background-color:#ffd103\">Dapatkan Sebut Harga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca Juga:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/apakah-dokumen-diperlukan-untuk-renew-roadtax\">Apakah Dokumen Diperlukan untuk Renew Roadtax<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-elak-bayar-insurans-yang-tidak-perlu\">Cara Elak Bayar Insurans yang Tidak Perlu<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-motor-untuk-motosikal-apa-perlu-tahu\">Insurans Motor untuk Motosikal: Apa Perlu Tahu<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ramai anggap insurans cuma formaliti untuk renew roadtax, tapi sebenarnya ia perlindungan penting. Artikel ini bongkar apa yang berlaku kalau pemandu tiada insurans \u2014 dan kenapa ia boleh makan diri kalau berlaku kemalangan.<\/p>\n","protected":false},"author":31,"featured_media":53644,"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":[93],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apa Jadi Kalau Pemandu Tiada Insurans? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Apa Jadi Kalau Pemandu Tiada Insurans? 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