What Happens When Insurance Linked to VEP Expires?

Important Notice for Cross-Border Drivers

Own a Singapore-registered car with a VEP for Malaysia? Then your insurance policy is more than just protection — it's a core requirement tied directly to your Vehicle Entry Permit (VEP) status.

At MyMechanic, we often get asked: "What happens if the insurance linked to my VEP expires?" Here's what every cross-border driver needs to know to avoid penalties, denied entry, or worse — blacklisting.

Why Insurance is Tied to Your VEP

When you apply for a VEP, one of the mandatory documents is a valid motor insurance policy that covers your vehicle in Malaysia. This insurance must be:

• Valid and active during your VEP application
• Continuously maintained throughout the VEP's validity
• Issued by an approved provider covering Malaysian territory

If your insurance lapses, so does the compliance of your VEP — even if your RFID tag is still active.

What Happens If Your Insurance Expires?

If your insurance expires while your VEP is still active, here's what could happen:

VEP Status Becomes Invalid or Suspended

The system can detect expired insurance and automatically flag your VEP as non-compliant.

Denial of Entry at the Border

When scanned at Johor checkpoints, your RFID tag may show a "rejected" status due to missing insurance coverage.

Fines or Vehicle Blacklisting

Authorities can issue RM 300 fines or even prevent your vehicle from reapplying for VEP in the future.

Inability to Renew or Modify VEP

Without valid insurance, you won't be able to update your VEP details, change car ownership, or complete deregistration.

Real Risks for Singapore Drivers

Imagine planning a weekend getaway to JB — only to be stopped at the checkpoint because your insurance expired 2 days ago. Or worse — getting into an accident in Malaysia and realizing your expired policy leaves you completely uncovered.

These risks are real — and entirely avoidable with the right reminders and VEP support.

How MyMechanic Helps You Stay Covered

At MyMechanic, we don't just help with your VEP application. We also:

• Track your insurance expiry dates tied to your VEP
• Send renewal alerts so you stay ahead
• Assist in uploading new insurance documents to the VEP system
• Re-sync your insurance with your RFID status for smooth entry

Our goal is to make sure you're never caught off guard at the border.

Checklist: Don't Let Your Insurance Lapse

Before heading to Malaysia, always double-check:

• Is my car insurance active and Malaysia-compliant?
• Is my insurance synced to my VEP record?
• Do I have soft or hard copies ready in case of checks?
• Have I received any reminder emails about VEP or RFID issues?

Bonus Tip

Your VEP is valid for 5 years, but most insurance policies are valid for 6–12 months. That means you'll likely have to update your insurance details multiple times during your VEP's lifespan.

Make sure every renewal is reflected in the system — or your VEP becomes void.

Frequently Asked Questions