What Happens at a Roadblock?
At a typical roadblock by Polis Diraja Malaysia (PDRM) or Jabatan Pengangkutan Jalan (JPJ), officers usually check:
Driving license validity
Insurance validity
Outstanding summons (if flagged in the system)
Note: These checks are system-based, not just visual, so even digital records matter.
Does Car Insurance Cover Summons?
Short answer: No.
Car insurance is designed to cover:
Accidents and vehicle damage
Third-party liability (injury or damage to others)
Theft or fire (depending on your policy)
It does NOT cover:
Traffic fine or summons
Legal penalties for traffic offences
Blacklisting issues due to unpaid summons
A summon is considered a legal penalty, not an insurable event.
Make Road Tax & Insurance Renewals Easier with Drive+
With PolicyStreet’s car-owner membership program, Drive+ which was created to help Malaysians save money and reduce hassle when renewing car insurance and road tax online.
When renewing your car insurance with PolicyStreet, you can choose from three Drive+ membership tiers, starting from RM39.90, depending on how much you want to save.
Each Drive+ tier gives you a road tax discount every year:
Drive+ Lite: Up to RM50 off
Drive+ Standard: Up to RM90 off
Drive+ Premium: Up to RM120 off
Higher tiers offer bigger savings, making them especially worthwhile for drivers with higher road tax amounts.
Beyond road tax discounts, Drive+ members enjoy exclusive renewal discounts when using Atome or EPP payment options for car insurance. Members also benefit from waived road tax processing fees and access to exclusive member vouchers and perks. These benefits help drivers reduce upfront costs, avoid extra fees, and manage rising car expenses more effectively.
In short, Drive+ turns a routine insurance and road tax renewal into a smarter, more affordable car ownership experience.
Drive+ Membership Tiers and Bateriku Benefits
Beyond the headline savings, Drive+ comes with practical perks that make everyday car ownership easier.
One standout benefit is the RM40 Bateriku voucher you receive with every Drive+ renewal. This voucher can be used for car battery replacements through Bateriku, Malaysia’s on-demand battery service.
Typically, the RM40 value is structured as:
RM20 off a new battery
RM20 trade-in rebate
You can redeem it via the Bateriku app or at selected Bateriku service points. Drive+ vouchers can also be stacked with Bateriku promo codes available on their app or website (such as seasonal campaigns like CUTI40, subject to terms and conditions).
Will A Summon Affect Your NCD?
This is one of the biggest misconceptions.
According to Persatuan Insurans Am Malaysia (PIAM): NCD (No Claim Discount) is a reward for not making insurance claims.
What affects your NCD:
Filing a claim after an accident
Being at fault in a claim
What does NOT affect your NCD:
Traffic summons (speeding, parking tickets, etc.)
Unpaid fines
Roadblock offences (unless they lead to a claim)
So, Why Do Summons Still Matter?
Even though summons don’t affect insurance, they can still cause serious roadblocks (literally and figuratively).
If you have unpaid summons:
You may be blacklisted by JPJ or PDRM
You cannot renew your road tax
You may be unable to renew your driving license
Platforms like PDRM MyBayar Saman portal and JPJ’s online services (including MySikap JPJ system) allow you to:
Check outstanding summons
Make payments online
Clear your record before renewal
Note: Insurance protects your car, while summons affect your legal driving status.
Insurance vs Summons: What’s the Difference?
Common Mistakes Drivers Make
Avoid these misunderstandings:
Thinking insurance will “cover” summons
Ignoring small fines (they can still block renewals)
Assuming NCD drops because of traffic offences
Forgetting to check blacklist status before renewal
Don’t Confuse Protection with Penalties
Car insurance and traffic summons serve completely different purposes, but both are essential to staying road-legal.
Understanding the difference helps you avoid unnecessary panic at roadblocks, and keeps your renewal smooth, hassle-free, and fully under control.
Frequently Asked Questions
1. Will unpaid summons affect my car insurance premium?
No. Your insurance premium and NCD are based on claims history, not traffic offences
2. Can I renew my road tax if I have unpaid summons?
No. If you are blacklisted by JPJ or PDRM, your road tax renewal will be blocked until payment is made.
3. Does getting fined at a roadblock affect my NCD?
No. NCD is only affected when you make an insurance claim.
4. Where can I check and pay my summons online?
You can use platforms like PDRM MyBayar Saman portal or JPJ systems such as MySikap.
5. What happens if I ignore my summons?
You risk being blacklisted, which can prevent renewal of your road tax and driving license.
