{"id":54377,"date":"2026-01-29T23:34:00","date_gmt":"2026-01-29T15:34:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54377"},"modified":"2026-10-05T15:10:44","modified_gmt":"2026-10-05T07:10:44","slug":"renew-roadtax-tanpa-insuran-boleh-ke","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-roadtax-tanpa-insuran-boleh-ke","title":{"rendered":"Renew Roadtax Tanpa Insuran, Boleh Ke?"},"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-6ac414e848271\" 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-6ac414e848271\"><\/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\/renew-roadtax-tanpa-insuran-boleh-ke\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/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\/renew-roadtax-tanpa-insuran-boleh-ke\/#Insurans_Kereta_vs_Roadtax\" title=\"Insurans Kereta vs Roadtax\">Insurans Kereta vs Roadtax<\/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\/renew-roadtax-tanpa-insuran-boleh-ke\/#Kenapa_Insurans_Diperlukan_Untuk_Renew_Roadtax\" title=\"Kenapa Insurans Diperlukan Untuk Renew Roadtax?\">Kenapa Insurans Diperlukan Untuk Renew Roadtax?<\/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\/renew-roadtax-tanpa-insuran-boleh-ke\/#Apa_Berlaku_Jika_Memandu_Tanpa_Insurans\" title=\"Apa Berlaku Jika Memandu Tanpa Insurans?\">Apa Berlaku Jika Memandu Tanpa Insurans?<\/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\/insurans-kereta\/renew-roadtax-tanpa-insuran-boleh-ke\/#Boleh_Ke_Renew_Roadtax_Kalau_Ada_Saman\" title=\"Boleh Ke Renew Roadtax Kalau Ada Saman?\">Boleh Ke Renew Roadtax Kalau Ada Saman?<\/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\/insurans-kereta\/renew-roadtax-tanpa-insuran-boleh-ke\/#Apa_Berlaku_Pada_NCD_Jika_Insurans_Tidak_Diperbaharui\" title=\"Apa Berlaku Pada NCD Jika Insurans Tidak Diperbaharui?\">Apa Berlaku Pada NCD Jika Insurans Tidak Diperbaharui?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-roadtax-tanpa-insuran-boleh-ke\/#Kalau_Bajet_Tak_Cukup_Untuk_Insurans\" title=\"Kalau Bajet Tak Cukup Untuk Insurans?\">Kalau Bajet Tak Cukup Untuk Insurans?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-roadtax-tanpa-insuran-boleh-ke\/#1_Bandingkan_Harga_Insurans\" title=\"1. Bandingkan Harga Insurans\">1. Bandingkan Harga Insurans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-roadtax-tanpa-insuran-boleh-ke\/#2_Pertimbangkan_Perlindungan_Pihak_Ketiga\" title=\"2. Pertimbangkan Perlindungan Pihak Ketiga\">2. Pertimbangkan Perlindungan Pihak Ketiga<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-roadtax-tanpa-insuran-boleh-ke\/#3_Semak_Pilihan_Bayaran_Ansuran\" title=\"3. Semak Pilihan Bayaran Ansuran\">3. Semak Pilihan Bayaran Ansuran<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-roadtax-tanpa-insuran-boleh-ke\/#Lepas_Renew_Insurans_Macam_Mana_Nak_Renew_Roadtax\" title=\"Lepas Renew Insurans, Macam Mana Nak Renew Roadtax?\">Lepas Renew Insurans, Macam Mana Nak Renew Roadtax?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-roadtax-tanpa-insuran-boleh-ke\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span>Pengenalan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ramai pemilik kereta tertanya-tanya, <strong>boleh ke renew roadtax tanpa insuran?<\/strong><\/p>\n\n\n\n<p>Jawapan ringkasnya: <strong>tak boleh.<\/strong><\/p>\n\n\n\n<p>Sebelum anda memperbaharui Lesen Kenderaan Motor (LKM) atau lebih dikenali sebagai roadtax, kenderaan perlu mempunyai perlindungan insurans yang sah untuk tempoh roadtax yang dipohon.<\/p>\n\n\n\n<p>Hari ini, semakan dan paparan roadtax juga lebih mudah kerana <strong>e-LKM boleh dipaparkan secara digital melalui aplikasi MyJPJ<\/strong>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Insurans_Kereta_vs_Roadtax\"><\/span>Insurans Kereta vs Roadtax<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Perkara<\/th><th>Insurans Kereta<\/th><th>Roadtax (LKM)<\/th><\/tr><\/thead><tbody><tr><td>Fungsi<\/td><td>Memberi perlindungan kewangan mengikut polisi<\/td><td>Lesen untuk menggunakan kenderaan di jalan raya<\/td><\/tr><tr><td>Perlu aktif dahulu?<\/td><td>Ya<\/td><td>Ya, selepas insurans sah<\/td><\/tr><tr><td>Tempoh biasa<\/td><td>Kebiasaannya 1 tahun<\/td><td>6 bulan atau 1 tahun<\/td><\/tr><tr><td>Harga<\/td><td>Bergantung pada kereta, NCD, perlindungan dan faktor risiko<\/td><td>Bergantung pada jenis kenderaan, kapasiti enjin dan lokasi<\/td><\/tr><tr><td>Boleh renew tanpa insurans?<\/td><td>\u2014<\/td><td>Tidak<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>JPJ menetapkan bahawa kenderaan perlu mempunyai perlindungan insurans untuk tempoh LKM yang dipohon.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kenapa_Insurans_Diperlukan_Untuk_Renew_Roadtax\"><\/span>Kenapa Insurans Diperlukan Untuk Renew Roadtax?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurans motor bukan sekadar pilihan. Jika anda menggunakan kenderaan di jalan raya, undang-undang menetapkan keperluan perlindungan terhadap risiko pihak ketiga.<\/p>\n\n\n\n<p>Sebab itu, apabila anda mahu renew roadtax, maklumat perlindungan insurans perlu tersedia untuk urusan LKM.<\/p>\n\n\n\n<p>Secara mudah:<\/p>\n\n\n\n<p><strong>Renew insurans \u2192 pastikan perlindungan aktif \u2192 renew roadtax<\/strong><\/p>\n\n\n\n<p>Anda boleh membuat urusan ini secara dalam talian, bergantung pada saluran dan kelayakan yang tersedia.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Berlaku_Jika_Memandu_Tanpa_Insurans\"><\/span>Apa Berlaku Jika Memandu Tanpa Insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jangan gunakan kereta yang sudah tiada perlindungan insurans.<\/p>\n\n\n\n<p>Di bawah Seksyen 90(2) Akta Pengangkutan Jalan 1987, penggunaan kenderaan tanpa perlindungan insurans pihak ketiga yang diperlukan boleh menyebabkan seseorang, apabila disabitkan, dikenakan:<\/p>\n\n\n\n<ul><li>denda sehingga <strong>RM1,000<\/strong>;<\/li><li>penjara sehingga <strong>3 bulan<\/strong>; atau<\/li><li>kedua-duanya.<\/li><\/ul>\n\n\n\n<p>Mahkamah juga boleh mengenakan hilang kelayakan memegang atau mendapatkan lesen memandu selama <strong>12 bulan<\/strong> dari tarikh sabitan.<\/p>\n\n\n\n<p>Jadi, jangan anggap tiada insurans hanya bermaksud anda tak boleh renew roadtax. Memandu tanpa perlindungan yang sah juga boleh membawa tindakan undang-undang.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Boleh_Ke_Renew_Roadtax_Kalau_Ada_Saman\"><\/span>Boleh Ke Renew Roadtax Kalau Ada Saman?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Saman tertunggak dan insurans ialah dua perkara berbeza.<\/strong><\/p>\n\n\n\n<p>Saman tidak semestinya bermaksud roadtax anda terus tidak boleh diperbaharui.<\/p>\n\n\n\n<p>Namun, jika anda atau kenderaan mempunyai <strong>status senarai hitam atau sekatan urus niaga<\/strong>, ia boleh menjejaskan urusan dengan JPJ.<\/p>\n\n\n\n<p>JPJ menyatakan bahawa kes tertentu yang tidak diselesaikan boleh menyebabkan pemilik, kenderaan atau lesen memandu disenarai hitam sehingga kes tersebut diselesaikan.<\/p>\n\n\n\n<p>Anda boleh semak saman dan status senarai hitam melalui <strong>MyJPJ<\/strong> sebelum membuat pembaharuan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Berlaku_Pada_NCD_Jika_Insurans_Tidak_Diperbaharui\"><\/span>Apa Berlaku Pada NCD Jika Insurans Tidak Diperbaharui?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jangan terus anggap NCD akan kembali kepada 0% selepas setahun.<\/p>\n\n\n\n<p>Bagi kereta persendirian, kadar NCD biasanya meningkat mengikut tempoh tanpa tuntutan:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tempoh tanpa tuntutan<\/th><th>NCD<\/th><\/tr><\/thead><tbody><tr><td>Tahun 1<\/td><td>25%<\/td><\/tr><tr><td>Tahun 2<\/td><td>30%<\/td><\/tr><tr><td>Tahun 3<\/td><td>38.33%<\/td><\/tr><tr><td>Tahun 4<\/td><td>45%<\/td><\/tr><tr><td>Tahun 5 dan seterusnya<\/td><td>55%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Kadar maksimum NCD kereta persendirian ialah <strong>55%<\/strong>. NCD juga boleh dipindahkan ke kenderaan baharu tertakluk kepada syarat yang ditetapkan.<\/p>\n\n\n\n<p>Jika polisi anda sudah tamat dan anda mahu mengekalkan atau menggunakan NCD yang ada, semak status NCD dengan insurer atau takaful operator kerana syarat boleh berbeza mengikut keadaan polisi.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kalau_Bajet_Tak_Cukup_Untuk_Insurans\"><\/span>Kalau Bajet Tak Cukup Untuk Insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika kos insurans terasa tinggi, anda boleh pertimbangkan beberapa pilihan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Bandingkan_Harga_Insurans\"><\/span>1. Bandingkan Harga Insurans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jangan terus renew dengan penyedia yang sama tanpa membuat perbandingan.<\/p>\n\n\n\n<p>Di <strong>BJAK<\/strong>, anda boleh membandingkan sebut harga daripada <strong>16 insurer dan pengendali takaful<\/strong> dalam satu platform.<\/p>\n\n\n\n<p>Anda boleh bandingkan harga, jenis perlindungan, add-on dan manfaat sebelum memilih polisi yang sesuai.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Pertimbangkan_Perlindungan_Pihak_Ketiga\"><\/span>2. Pertimbangkan Perlindungan Pihak Ketiga<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika perlindungan komprehensif berada di luar bajet, anda boleh melihat pilihan perlindungan pihak ketiga yang tersedia untuk kenderaan anda.<\/p>\n\n\n\n<p>Namun, jangan pilih berdasarkan harga semata-mata. Pastikan anda faham apa yang dilindungi dan apa yang tidak dilindungi.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Semak_Pilihan_Bayaran_Ansuran\"><\/span>3. Semak Pilihan Bayaran Ansuran<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sesetengah platform pembayaran menawarkan pilihan bayaran secara ansuran atau BNPL untuk pembelian insurans.<\/p>\n\n\n\n<p>Di BJAK, beberapa pilihan bayaran ansuran tersedia, tetapi tempoh dan caj bergantung pada kaedah pembayaran serta syarat penyedia.<\/p>\n\n\n\n<p>Semak jumlah keseluruhan yang perlu dibayar sebelum memilih pelan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Lepas_Renew_Insurans_Macam_Mana_Nak_Renew_Roadtax\"><\/span>Lepas Renew Insurans, Macam Mana Nak Renew Roadtax?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Selepas insurans anda berjaya diperbaharui, anda boleh meneruskan urusan roadtax melalui saluran JPJ yang tersedia.<\/p>\n\n\n\n<p>JPJ membenarkan pembaharuan LKM untuk tempoh <strong>6 bulan atau 1 tahun<\/strong>, dan kenderaan perlu mempunyai perlindungan insurans bagi tempoh tersebut.<\/p>\n\n\n\n<p>Untuk pengguna yang layak menggunakan e-LKM, maklumat roadtax boleh dipaparkan secara digital melalui <strong>MyJPJ<\/strong>. Aplikasi ini juga membolehkan pengguna menyemak tarikh tamat LKM serta saman dan status senarai hitam.<\/p>\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><strong>Renew roadtax tanpa insurans memang tak boleh.<\/strong><\/p>\n\n\n\n<p>Insurans yang sah diperlukan sebelum anda boleh memperbaharui LKM.<\/p>\n\n\n\n<p>Kalau insurans dah tamat, langkah paling mudah ialah:<\/p>\n\n\n\n<p><strong>1. Renew atau beli insurans<\/strong><br><strong>2. Pastikan perlindungan sudah aktif<\/strong><br><strong>3. Renew roadtax<\/strong><br><strong>4. Semak e-LKM melalui MyJPJ<\/strong><\/p>\n\n\n\n<p>Kalau nak bandingkan pilihan insurans, anda boleh mendapatkan sebut harga daripada <strong>16 insurer dan pengendali takaful di BJAK<\/strong> sebelum membuat keputusan.<\/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=renew-roadtax-tanpa-insuran-boleh-ke\" style=\"background-color:#ffd103\">Dapatkan Sebutharga Percuma<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemandu nak tahu sama ada boleh renew roadtax tanpa insurans. Jawapan ringkasnya: tak boleh. Tapi ada sebab dan jalan penyelesaian yang anda patut tahu sebelum ke JPJ atau buat secara online.<\/p>\n","protected":false},"author":31,"featured_media":54494,"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":[440,3044],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Renew Roadtax Tanpa Insuran, Boleh Ke? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Renew Roadtax Tanpa Insuran, Boleh Ke? . 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