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	<description>Renew your car and motor insurance at the lowest price! Fastest way to renew in Malaysia!</description>
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		<title>NCD Selepas Buat Claim — Apa Berlaku Pada Diskaun Anda</title>
		<link>https://bjak.my/blog/insurans-kereta/ncd-selepas-buat-claim-apa-berlaku-pada-diskaun-anda</link>
		
		<dc:creator><![CDATA[BJAK Content Team]]></dc:creator>
		<pubDate>Wed, 27 May 2026 04:00:00 +0000</pubDate>
				<category><![CDATA[Insurans Kereta]]></category>
		<category><![CDATA[BM]]></category>
		<category><![CDATA[claim]]></category>
		<category><![CDATA[insurans]]></category>
		<category><![CDATA[insurans kereta]]></category>
		<category><![CDATA[NCD]]></category>
		<category><![CDATA[tuntutan]]></category>
		<guid isPermaLink="false">https://bjak.my/blog/?p=60216</guid>

					<description><![CDATA[<p>Panduan lengkap tentang kesan NCD selepas membuat tuntutan insurans kereta di Malaysia — termasuk reset NCD, tempoh bina semula, dan strategi mengelakkan kehilangan diskaun.</p>
<p>The post <a rel="nofollow" href="https://bjak.my/blog/insurans-kereta/ncd-selepas-buat-claim-apa-berlaku-pada-diskaun-anda">NCD Selepas Buat Claim — Apa Berlaku Pada Diskaun Anda</a> appeared first on <a rel="nofollow" href="https://bjak.my/blog">BJAK</a>.</p>
]]></description>
		
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">60216</post-id>	</item>
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		<title>Cara Batal Insurans Kereta — Proses, Penalti dan Bayaran Balik</title>
		<link>https://bjak.my/blog/insurans-kereta/cara-batal-insurans-kereta-proses-penalti-dan-bayaran-balik</link>
		
		<dc:creator><![CDATA[BJAK Content Team]]></dc:creator>
		<pubDate>Wed, 27 May 2026 04:00:00 +0000</pubDate>
				<category><![CDATA[Insurans Kereta]]></category>
		<category><![CDATA[bayaran balik]]></category>
		<category><![CDATA[BM]]></category>
		<category><![CDATA[insurans kereta]]></category>
		<category><![CDATA[pembatalan polisi]]></category>
		<category><![CDATA[penalti]]></category>
		<guid isPermaLink="false">https://bjak.my/blog/?p=60197</guid>

					<description><![CDATA[<p>Panduan lengkap tentang cara membatalkan insurans kereta di Malaysia — termasuk proses pembatalan, sebab sah, dokumen, pengiraan bayaran balik short-period vs pro-rata, dan kesan terhadap NCD.</p>
<p>The post <a rel="nofollow" href="https://bjak.my/blog/insurans-kereta/cara-batal-insurans-kereta-proses-penalti-dan-bayaran-balik">Cara Batal Insurans Kereta — Proses, Penalti dan Bayaran Balik</a> appeared first on <a rel="nofollow" href="https://bjak.my/blog">BJAK</a>.</p>
]]></description>
		
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">60197</post-id>	</item>
		<item>
		<title>Insurans Kereta E-Hailing — Apa Pemandu Perlu Tahu</title>
		<link>https://bjak.my/blog/insurans-kereta/insurans-kereta-e-hailing-apa-pemandu-perlu-tahu</link>
		
		<dc:creator><![CDATA[BJAK Content Team]]></dc:creator>
		<pubDate>Tue, 26 May 2026 16:00:00 +0000</pubDate>
				<category><![CDATA[Insurans Kereta]]></category>
		<category><![CDATA[BM]]></category>
		<category><![CDATA[e-hailing]]></category>
		<category><![CDATA[insurans kereta]]></category>
		<guid isPermaLink="false">https://bjak.my/blog/?p=60214</guid>

					<description><![CDATA[<p>Panduan lengkap tentang insurans kereta e-hailing di Malaysia — termasuk keperluan endorsement khas, akibat tanpa perlindungan betul, kos tambahan, dan peraturan PIAM/BNM yang perlu dipatuhi.</p>
<p>The post <a rel="nofollow" href="https://bjak.my/blog/insurans-kereta/insurans-kereta-e-hailing-apa-pemandu-perlu-tahu">Insurans Kereta E-Hailing — Apa Pemandu Perlu Tahu</a> appeared first on <a rel="nofollow" href="https://bjak.my/blog">BJAK</a>.</p>
]]></description>
		
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">60214</post-id>	</item>
		<item>
		<title>Perlindungan SRCC Insurans Kereta Malaysia — Perlu Ke?</title>
		<link>https://bjak.my/blog/insurans-kereta/perlindungan-srcc-insurans-kereta-malaysia-perlu-ke</link>
		
		<dc:creator><![CDATA[BJAK Content Team]]></dc:creator>
		<pubDate>Tue, 26 May 2026 04:00:00 +0000</pubDate>
				<category><![CDATA[Insurans Kereta]]></category>
		<category><![CDATA[BM]]></category>
		<category><![CDATA[insurans kereta]]></category>
		<category><![CDATA[perlindungan]]></category>
		<category><![CDATA[SRCC]]></category>
		<guid isPermaLink="false">https://bjak.my/blog/?p=60195</guid>

					<description><![CDATA[<p>Perlindungan SRCC ialah add-on berasingan dalam insurans kereta Malaysia. Ia melindungi kenderaan anda daripada mogok, rusuhan, dan kekacauan awam. Ketahui kosnya, siapa yang perlukan, dan cara menambahnya.</p>
<p>The post <a rel="nofollow" href="https://bjak.my/blog/insurans-kereta/perlindungan-srcc-insurans-kereta-malaysia-perlu-ke">Perlindungan SRCC Insurans Kereta Malaysia — Perlu Ke?</a> appeared first on <a rel="nofollow" href="https://bjak.my/blog">BJAK</a>.</p>
]]></description>
		
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">60195</post-id>	</item>
		<item>
		<title>Perlindungan Tunda Insurans Kereta — Apa Yang Termasuk?</title>
		<link>https://bjak.my/blog/insurans-kereta/perlindungan-tunda-insurans-kereta-malaysia-apa-yang-termasuk</link>
		
		<dc:creator><![CDATA[BJAK Content Team]]></dc:creator>
		<pubDate>Tue, 26 May 2026 04:00:00 +0000</pubDate>
				<category><![CDATA[Insurans Kereta]]></category>
		<category><![CDATA[BM]]></category>
		<category><![CDATA[insurans kereta]]></category>
		<category><![CDATA[perlindungan]]></category>
		<category><![CDATA[polisi]]></category>
		<category><![CDATA[Tunda]]></category>
		<guid isPermaLink="false">https://bjak.my/blog/?p=60192</guid>

					<description><![CDATA[<p>Panduan lengkap tentang perlindungan tunda dalam insurans kereta di Malaysia — termasuk perbezaan add-on dan terbina dalam, had jarak, kos, dan perbandingan pilihan perlindungan.</p>
<p>The post <a rel="nofollow" href="https://bjak.my/blog/insurans-kereta/perlindungan-tunda-insurans-kereta-malaysia-apa-yang-termasuk">Perlindungan Tunda Insurans Kereta — Apa Yang Termasuk?</a> appeared first on <a rel="nofollow" href="https://bjak.my/blog">BJAK</a>.</p>
]]></description>
		
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">60192</post-id>	</item>
		<item>
		<title>NCD Pembatalan Polisi Insurans Kereta — Adakah Diskaun Hilang?</title>
		<link>https://bjak.my/blog/insurans-kereta/ncd-pembatalan-polisi-insurans-kereta-adakah-diskaun-hilang</link>
		
		<dc:creator><![CDATA[BJAK Content Team]]></dc:creator>
		<pubDate>Tue, 26 May 2026 04:00:00 +0000</pubDate>
				<category><![CDATA[Insurans Kereta]]></category>
		<category><![CDATA[BM]]></category>
		<category><![CDATA[Diskaun]]></category>
		<category><![CDATA[insurans kereta]]></category>
		<category><![CDATA[NCD]]></category>
		<category><![CDATA[pembatalan]]></category>
		<category><![CDATA[polisi]]></category>
		<guid isPermaLink="false">https://bjak.my/blog/?p=60190</guid>

					<description><![CDATA[<p>Panduan lengkap tentang kesan pembatalan polisi insurans kereta terhadap NCD anda di Malaysia — termasuk bagaimana NCD jatuh satu tahap bagi setiap tahun tanpa pembaharuan, proses pembatalan, dan pengiraan bayaran balik.</p>
<p>The post <a rel="nofollow" href="https://bjak.my/blog/insurans-kereta/ncd-pembatalan-polisi-insurans-kereta-adakah-diskaun-hilang">NCD Pembatalan Polisi Insurans Kereta — Adakah Diskaun Hilang?</a> appeared first on <a rel="nofollow" href="https://bjak.my/blog">BJAK</a>.</p>
]]></description>
		
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">60190</post-id>	</item>
		<item>
		<title>Renewing Insurance for Old Cars Malaysia 2026 — What Changes</title>
		<link>https://bjak.my/blog/car-insurance/renewing-insurance-for-old-cars-malaysia-2026-what-changes</link>
		
		<dc:creator><![CDATA[BJAK Content Team]]></dc:creator>
		<pubDate>Mon, 25 May 2026 08:29:32 +0000</pubDate>
				<category><![CDATA[Car Insurance]]></category>
		<category><![CDATA[Car insurance]]></category>
		<category><![CDATA[EN]]></category>
		<category><![CDATA[old cars]]></category>
		<category><![CDATA[renewing]]></category>
		<guid isPermaLink="false">https://bjak.my/blog/?p=60188</guid>

					<description><![CDATA[<p>Own a car that's 10 years or older? Insurance renewal in Malaysia changes significantly for older vehicles. This guide covers what to expect in 2026 and how to save.</p>
<p>The post <a rel="nofollow" href="https://bjak.my/blog/car-insurance/renewing-insurance-for-old-cars-malaysia-2026-what-changes">Renewing Insurance for Old Cars Malaysia 2026 — What Changes</a> appeared first on <a rel="nofollow" href="https://bjak.my/blog">BJAK</a>.</p>
]]></description>
		
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">60188</post-id>	</item>
		<item>
		<title>NCD Gap Period Rules Malaysia — How Long Before You Lose It</title>
		<link>https://bjak.my/blog/car-insurance/ncd-gap-period-rules-malaysia-how-long-before-you-lose-it</link>
		
		<dc:creator><![CDATA[BJAK Content Team]]></dc:creator>
		<pubDate>Mon, 25 May 2026 08:26:27 +0000</pubDate>
				<category><![CDATA[Car Insurance]]></category>
		<category><![CDATA[Car insurance]]></category>
		<category><![CDATA[EN]]></category>
		<category><![CDATA[NCD gap]]></category>
		<guid isPermaLink="false">https://bjak.my/blog/?p=60170</guid>

					<description><![CDATA[<p>How does a gap in car insurance affect your NCD in Malaysia? This guide covers how NCD drops one level per year of lapse, common scenarios, and how to protect your discount.</p>
<p>The post <a rel="nofollow" href="https://bjak.my/blog/car-insurance/ncd-gap-period-rules-malaysia-how-long-before-you-lose-it">NCD Gap Period Rules Malaysia — How Long Before You Lose It</a> appeared first on <a rel="nofollow" href="https://bjak.my/blog">BJAK</a>.</p>
]]></description>
		
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">60170</post-id>	</item>
		<item>
		<title>Car Insurance De-Tariffication Malaysia — What It Means in 2026</title>
		<link>https://bjak.my/blog/car-insurance/car-insurance-de-tariffication-malaysia-what-it-means-in-2026</link>
		
		<dc:creator><![CDATA[BJAK Content Team]]></dc:creator>
		<pubDate>Mon, 25 May 2026 08:25:11 +0000</pubDate>
				<category><![CDATA[Car Insurance]]></category>
		<category><![CDATA[Car insurance]]></category>
		<category><![CDATA[de-tariffication]]></category>
		<category><![CDATA[EN]]></category>
		<guid isPermaLink="false">https://bjak.my/blog/?p=60173</guid>

					<description><![CDATA[<p>De-tariffication changed how car insurance prices work in Malaysia. In 2026, prices vary widely between insurers. Learn how it works, who wins, and how to pay less.</p>
<p>The post <a rel="nofollow" href="https://bjak.my/blog/car-insurance/car-insurance-de-tariffication-malaysia-what-it-means-in-2026">Car Insurance De-Tariffication Malaysia — What It Means in 2026</a> appeared first on <a rel="nofollow" href="https://bjak.my/blog">BJAK</a>.</p>
]]></description>
		
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">60173</post-id>	</item>
		<item>
		<title>How to Cancel Car Insurance &#8211; Process, Penalties and Refund</title>
		<link>https://bjak.my/blog/car-insurance/how-to-cancel-car-insurance-process-penalties-and-refund</link>
		
		<dc:creator><![CDATA[BJAK Content Team]]></dc:creator>
		<pubDate>Sun, 24 May 2026 15:58:13 +0000</pubDate>
				<category><![CDATA[Car Insurance]]></category>
		<category><![CDATA[cancelation]]></category>
		<category><![CDATA[Car insurance]]></category>
		<category><![CDATA[EN]]></category>
		<category><![CDATA[Policy]]></category>
		<guid isPermaLink="false">https://bjak.my/blog/?p=60150</guid>

					<description><![CDATA[<p>Want to cancel your car insurance in Malaysia? This guide covers the full process, required documents, how refunds work, and what you lose when you cancel.</p>
<p>The post <a rel="nofollow" href="https://bjak.my/blog/car-insurance/how-to-cancel-car-insurance-process-penalties-and-refund">How to Cancel Car Insurance &#8211; Process, Penalties and Refund</a> appeared first on <a rel="nofollow" href="https://bjak.my/blog">BJAK</a>.</p>
]]></description>
		
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">60150</post-id>	</item>
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