{"id":58228,"date":"2025-12-17T20:40:40","date_gmt":"2025-12-17T12:40:40","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=58228"},"modified":"2025-12-17T20:40:44","modified_gmt":"2025-12-17T12:40:44","slug":"risks-of-using-car-against-intended-insurance-policy","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-using-car-against-intended-insurance-policy","title":{"rendered":"Risks of Using Car Against Intended Insurance Policy"},"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-6a0cd27b2b218\" 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-6a0cd27b2b218\"><\/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\/risks-of-using-car-against-intended-insurance-policy\/#Introduction\" title=\"Introduction\">Introduction<\/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\/risks-of-using-car-against-intended-insurance-policy\/#1_Common_Driver_Mistakes_That_Can_Cause_Risks\" title=\"1. Common Driver Mistakes That Can Cause Risks\">1. Common Driver Mistakes That Can Cause Risks<\/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\/risks-of-using-car-against-intended-insurance-policy\/#2_Impact_on_Insurance_Claims\" title=\"2. Impact on Insurance Claims\">2. Impact on Insurance Claims<\/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\/risks-of-using-car-against-intended-insurance-policy\/#3_Real-Life_Examples\" title=\"3. Real-Life Examples\">3. Real-Life Examples<\/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\/car-insurance\/risks-of-using-car-against-intended-insurance-policy\/#4_How_to_Avoid_These_Risks\" title=\"4. How to Avoid These Risks\">4. How to Avoid These Risks<\/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\/car-insurance\/risks-of-using-car-against-intended-insurance-policy\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many drivers are unaware that <strong>risks of using car against intended insurance policy<\/strong> can lead to serious issues, including denied claims and having to cover repair costs personally. These mistakes not only affect finances but can also compromise safety and protection for passengers.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Common_Driver_Mistakes_That_Can_Cause_Risks\"><\/span><strong>1. Common Driver Mistakes That Can Cause Risks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Several common errors can trigger <strong>risks of using car against intended insurance policy<\/strong>, such as:<\/p>\n\n\n\n<ul><li><strong>Using the car for different purposes:<\/strong> For example, drivers use a commercial vehicle for e-hailing without proper coverage.<\/li><li><strong>Allowing unauthorized drivers:<\/strong> Insurance policies usually specify which drivers are permitted to use the vehicle.<\/li><li><strong>Failing to update vehicle information:<\/strong> Changes to the engine, license plate, or address without endorsement can affect coverage.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Impact_on_Insurance_Claims\"><\/span><strong>2. Impact on Insurance Claims<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Insurers can fully deny claims if policy terms are not followed.<\/li><li>Drivers can lose their No Claim Discount (NCD) if they violate policy conditions.<\/li><li>Third parties or passengers may file claims, resulting in high costs.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Real-Life_Examples\"><\/span><strong>3. Real-Life Examples<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>E-hailing without PA coverage:<\/strong> If an accident occurs, the policy does not protect either the driver or the passenger.<br><\/li><li><strong>Vehicle used outside allowed activities:<\/strong> Insurance rejects the claim because the policy does not permit such use.<br><\/li><li><strong>Vehicle information not updated:<\/strong> For instance, if the engine CC changes but you continue using the old policy, the insurer may reject your claim.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_How_to_Avoid_These_Risks\"><\/span><strong>4. How to Avoid These Risks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Read your policy carefully:<\/strong> Understand limits, permitted usage, and who can drive.<br><\/li><li><strong>Update vehicle information:<\/strong> Make changes on the covernote or request an endorsement if details change.<br><\/li><li><strong>Consider add-ons or special coverage:<\/strong> For example, LLOP or additional PA for e-hailing and commercial use.<br><\/li><li><strong>Always consult your agent or insurance platform:<\/strong> If unsure, get written confirmation before using the vehicle.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"58297\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-using-car-against-intended-insurance-policy\/attachment\/4-71-4\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-71.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=\"4-71\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-71.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-71.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\/12\/4-71.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing common driver mistakes, the impact on insurance claims, and steps to avoid risks.\" class=\"wp-image-58297\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-71.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-71.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-71.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-71.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-71.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>Understanding your policy terms is key to minimizing <strong>risks of using car against intended insurance policy<\/strong> and protecting yourself and passengers from major losses. By reading policies carefully, updating vehicle information, and adhering to the rules, drivers can ensure their coverage remains valid. Remember: <strong>comply with your policy = maximum protection + minimal losses.<\/strong><\/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=risks-of-using-car-against-intended-insurance-policy\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/real-life-scenarios-that-cause-insurance-claims-to-be-rejected\"><\/a><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/when-can-passengers-sue-drivers\">When Can Passengers Sue Drivers?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/info\/items-in-cars-that-may-cause-accident\">Items in Cars That May Cause Accident<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-covers-what-what-it-doesnt\">Insurance Covers What &amp; What It Doesn\u2019t<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Using a car against its intended insurance policy can create major risks and unexpected losses. Learn how small actions can have a big impact on your coverage.<\/p>\n","protected":false},"author":31,"featured_media":58296,"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":[429,3372,3371],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Risks of Using Car Against Intended Insurance Policy | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Risks of Using Car Against Intended Insurance Policy &amp; Guide To Avoid These Costly Mistakes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-using-car-against-intended-insurance-policy\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Risks of Using Car Against Intended Insurance Policy | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Risks of Using Car Against Intended Insurance Policy &amp; Guide To Avoid These Costly Mistakes.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-using-car-against-intended-insurance-policy\" \/>\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=\"2025-12-17T12:40:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-17T12:40:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/2-72.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1708\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\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=\"BJAK Content Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 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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