{"id":53591,"date":"2025-10-18T19:58:08","date_gmt":"2025-10-18T11:58:08","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53591"},"modified":"2025-11-03T17:56:22","modified_gmt":"2025-11-03T09:56:22","slug":"kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia","title":{"rendered":"Kenapa Ramai Pemandu Masih Tiada Insurans Sah di Malaysia"},"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-69d444d0c812f\" 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-69d444d0c812f\"><\/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\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#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\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#1_Faktor_Utama_Pemandu_Tiada_Insurans_Sah\" title=\"1. Faktor Utama Pemandu Tiada Insurans Sah\">1. Faktor Utama Pemandu Tiada Insurans Sah<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#11_Lupa_atau_Lewat_Renew\" title=\"1.1 Lupa atau Lewat Renew\">1.1 Lupa atau Lewat Renew<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#12_Salah_Faham_Tentang_Perlindungan\" title=\"1.2 Salah Faham Tentang Perlindungan\">1.2 Salah Faham Tentang Perlindungan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#13_Masalah_Kewangan\" title=\"1.3 Masalah Kewangan\">1.3 Masalah Kewangan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#14_Kenderaan_Lama_atau_Tidak_Digunakan_Sementara\" title=\"1.4 Kenderaan Lama atau Tidak Digunakan Sementara\">1.4 Kenderaan Lama atau Tidak Digunakan Sementara<\/a><\/li><\/ul><\/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\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#2_Risiko_Memandu_Tanpa_Insurans_Sah\" title=\"2. Risiko Memandu Tanpa Insurans Sah\">2. Risiko Memandu Tanpa Insurans Sah<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#Kesan_Undang-Undang\" title=\"Kesan Undang-Undang\">Kesan Undang-Undang<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#Tanggung_Semua_Kos_Sendiri\" title=\"Tanggung Semua Kos Sendiri\">Tanggung Semua Kos Sendiri<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#Tidak_Boleh_Renew_Roadtax\" title=\"Tidak Boleh Renew Roadtax\">Tidak Boleh Renew Roadtax<\/a><\/li><\/ul><\/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\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#3_Cara_Pastikan_Anda_Sentiasa_Ada_Insurans_Sah\" title=\"3. Cara Pastikan Anda Sentiasa Ada Insurans Sah\">3. Cara Pastikan Anda Sentiasa Ada Insurans Sah<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#1_Semak_Status_Polisi\" title=\"1. Semak Status Polisi\">1. Semak Status Polisi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#2_Renew_Awal\" title=\"2. Renew Awal\">2. Renew Awal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#3_Simpan_Bukti_eCoverNote\" title=\"3. Simpan Bukti eCoverNote\">3. Simpan Bukti eCoverNote<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#4_Aktifkan_Peringatan\" title=\"4. Aktifkan Peringatan\">4. Aktifkan Peringatan<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#4_Kenapa_Pilih_BJAK_untuk_Semak_Renew_Insurans\" title=\"4. Kenapa Pilih BJAK untuk Semak &amp; Renew Insurans\">4. Kenapa Pilih BJAK untuk Semak &amp; Renew Insurans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/#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>Walaupun insurans kereta wajib di bawah undang-undang Malaysia, masih ramai pemandu yang tidak mempunyai insurans sah. Ada yang sengaja tangguh, ada yang tak sedar polisi dah tamat, dan ada juga yang fikir \u201ctak apa, nanti baru renew\u201d. Masalahnya, bila dah terlibat kemalangan tanpa insurans, segalanya boleh jadi mimpi ngeri, bukan saja dari segi kewangan, tapi juga undang-undang.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Faktor_Utama_Pemandu_Tiada_Insurans_Sah\"><\/span><strong>1. Faktor Utama Pemandu Tiada Insurans Sah<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"11_Lupa_atau_Lewat_Renew\"><\/span><strong>1.1 Lupa atau Lewat Renew<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Ini antara sebab paling biasa. Ramai pemilik kereta hanya perasan polisi tamat bila nak bayar roadtax, atau bila kemalangan dah berlaku. Sebab itu penting untuk semak tarikh luput insurans lebih awal \u2014 contohnya seminggu sebelum tarikh tamat.<\/p>\n\n\n\n<p><em>Tip:<\/em> Guna platform seperti <strong>BJAK.my<\/strong> \u2014 sistem akan paparkan status polisi dan tarikh luput automatik bila anda masukkan nombor kenderaan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"12_Salah_Faham_Tentang_Perlindungan\"><\/span><strong>1.2 Salah Faham Tentang Perlindungan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Ada juga yang menyangka masih dilindungi sebab roadtax belum tamat.<br>Padahal, insurans dan roadtax dua perkara berbeza.<br>Tanpa insurans aktif, roadtax pun tidak boleh diperbaharui melalui MyJPJ, MyEG, Pos Malaysia, atau mana-mana saluran sah.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"13_Masalah_Kewangan\"><\/span><strong>1.3 Masalah Kewangan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Sesetengah pemandu tangguh pembaharuan sebab tidak cukup bajet, terutama bila premium tinggi atau perlu bayar tunggakan.<br>Namun kini, dengan <strong>BJAK<\/strong>, anda boleh pilih pelan fleksibel atau <strong>BNPL (Bayar Ansur)<\/strong> supaya tidak perlu tangguh perlindungan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"14_Kenderaan_Lama_atau_Tidak_Digunakan_Sementara\"><\/span><strong>1.4 Kenderaan Lama atau Tidak Digunakan Sementara<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Ada juga yang beranggapan, \u201ckereta tu jarang jalan, tak payah renew dulu.\u201d<br>Masalahnya, kalau berlaku kebakaran, kecurian, atau kerosakan dalam tempoh tersebut \u2014 tiada pampasan langsung kerana polisi tidak aktif.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Risiko_Memandu_Tanpa_Insurans_Sah\"><\/span><strong>2. Risiko Memandu Tanpa Insurans Sah<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"Kesan_Undang-Undang\"><\/span><strong>Kesan Undang-Undang<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Di bawah <strong>Seksyen 90 Akta Pengangkutan Jalan 1987<\/strong>, memandu tanpa insurans adalah kesalahan serius.<br>Hukuman boleh melibatkan:<\/p>\n\n\n\n<ul><li>Denda hingga RM1,000<br><\/li><li>Lesen digantung atau dibatalkan<br><\/li><li>Tindakan mahkamah jika melibatkan kemalangan dengan pihak lain<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"Tanggung_Semua_Kos_Sendiri\"><\/span><strong>Tanggung Semua Kos Sendiri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Jika berlaku kemalangan, anda perlu membayar kos pembaikan kereta sendiri dan kereta pihak lain. Tiada syarikat insurans akan menanggung kerugian walaupun jumlahnya mencecah ribuan ringgit.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"Tidak_Boleh_Renew_Roadtax\"><\/span><strong>Tidak Boleh Renew Roadtax<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Sistem JPJ disambung terus dengan rekod insurans.<br>Jika tiada polisi sah, anda tidak boleh memperbaharui roadtax secara digital atau fizikal, termasuk di MyJPJ, MyEG, Pos Malaysia, atau BJAK.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Cara_Pastikan_Anda_Sentiasa_Ada_Insurans_Sah\"><\/span><strong>3. Cara Pastikan Anda Sentiasa Ada Insurans Sah<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"1_Semak_Status_Polisi\"><\/span><strong>1. Semak Status Polisi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Layari <strong>BJAK.my<\/strong> dan masukkan nombor kenderaan.<br>Sistem akan memaparkan status insurans dan kadar NCD terkini.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"2_Renew_Awal\"><\/span><strong>2. Renew Awal<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Anda boleh memperbaharui polisi seawal dua bulan sebelum tarikh luput supaya tidak risau terlupa atau terlepas tarikh.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"3_Simpan_Bukti_eCoverNote\"><\/span><strong>3. Simpan Bukti eCoverNote<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Selepas memperbaharui, anda akan menerima <strong>eCoverNote<\/strong> (salinan digital polisi).<br>Simpan dalam telefon atau e-mel \u2014 ini bukti bahawa anda dilindungi secara sah sementara menunggu polisi penuh.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"4_Aktifkan_Peringatan\"><\/span><strong>4. Aktifkan Peringatan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Setkan peringatan di telefon atau e-mel anda setiap tahun \u2014 langkah mudah tetapi penting untuk elak masalah lupa.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Kenapa_Pilih_BJAK_untuk_Semak_Renew_Insurans\"><\/span><strong>4. Kenapa Pilih BJAK untuk Semak &amp; Renew Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Semakan automatik status polisi dan NCD<br><\/li><li>Banding harga pelbagai syarikat insurans dalam satu laman<br><\/li><li>Polisi segera dihantar melalui e-mel atau WhatsApp<br><\/li><li>Pilihan untuk tambah perlindungan tambahan seperti tunda, cermin hadapan, dan banjir<br><\/li><li>Pilihan <strong>Bayar Ansur (BNPL)<\/strong> untuk elak kelewatan disebabkan kekangan bajet<br><\/li><\/ul>\n\n\n\n<p>Dengan BJAK, anda tidak perlu risau tentang tarikh luput atau kesilapan \u2014 semua urusan boleh siap dalam beberapa minit sahaja.<\/p>\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>Ramai pemandu tiada insurans sah bukan kerana tidak mahu, tetapi kerana tidak tahu atau menangguh. Sedangkan, sekali terlibat kemalangan tanpa perlindungan, kos dan risiko undang-undang boleh jadi jauh lebih besar. Pastikan anda sentiasa dilindungi dengan insurans aktif melalui <strong>BJAK.my<\/strong>, supaya tenang di jalan raya setiap masa.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53654\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\/attachment\/3-110\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-110.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=\"3-110\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-110.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-110.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-110.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik bertajuk \u201cAkibat Memandu Tanpa Insurans Sah\u201d dengan susun atur timeline atau tiga kotak bersebelahan, memaparkan ikon \u26a0\ufe0f denda, \ud83d\udcb8 tanggung kos sendiri, dan \ud83d\udeab tidak boleh renew roadtax. Warna tema merah dan kelabu gelap dengan highlight kuning untuk teks amaran.\" class=\"wp-image-53654\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-110.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-110.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-110.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-110.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-110.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=kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\" 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\/tips-renew-insurans-murah-tapi-tetap-selamat\">Tips Renew Insurans Murah Tapi Tetap Selamat<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/bagaimana-sistem-ncd-no-claim-discount-berfungsi\">Bagaimana Sistem NCD (No Claim Discount) Berfungsi?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-tuntut-insurans-bila-kereta-dilanggar-pihak-ketiga\">Cara Tuntut Insurans Bila Kereta Dilanggar Pihak Ketiga<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Masih ramai pemandu di Malaysia tak ada insurans sah \u2014 sama ada lupa renew, tunggu last minute, atau tak faham risiko sebenar. Artikel ini terangkan sebab utama dan kenapa penting untuk kekal dilindungi setiap masa.<\/p>\n","protected":false},"author":31,"featured_media":53653,"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":[2980],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kenapa Ramai Pemandu Masih Tiada Insurans Sah di Malaysia | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Kenapa Ramai Pemandu Masih Tiada Insurans Sah di Malaysia. 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Ketahui risiko yang boleh dikena memandu tiada coverage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-18T11:58:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-03T09:56:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-110.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"tariqsiregar@bjak.my\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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