{"id":11153,"date":"2021-11-18T15:41:09","date_gmt":"2021-11-18T07:41:09","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=11153"},"modified":"2023-07-02T11:43:27","modified_gmt":"2023-07-02T03:43:27","slug":"penjelasan-mengenai-excess-wajib-dalam-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta","title":{"rendered":"Penjelasan Mengenai Excess Wajib dalam Insurans Kereta"},"content":{"rendered":"\n<p>Di dalam <a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">polisi insurans kereta<\/a>, antara terma\/ klausa yang sering dilihat dan disebutkan adalah \u2018excess\u2019.\u00a0<\/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-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\">Renew Insurans<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\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-69e039b24fe7a\" 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-69e039b24fe7a\"><\/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\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/#Apakah_itu_excess\" title=\"Apakah itu excess?\">Apakah itu excess?<\/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\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/#Jenis-jenis_excess\" title=\"Jenis-jenis excess&nbsp;\">Jenis-jenis excess&nbsp;<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/#Voluntary_excess\" title=\"Voluntary excess&nbsp;\">Voluntary excess&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/#Compulsory_excess_excess_wajib\" title=\"Compulsory excess (excess wajib)&nbsp;\">Compulsory excess (excess wajib)&nbsp;<\/a><\/li><\/ul><\/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\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/#Adakah_bayaran_untuk_excess_wajib_akan_dipulangkan_semula\" title=\"Adakah bayaran untuk excess wajib akan dipulangkan semula?\">Adakah bayaran untuk excess wajib akan dipulangkan semula?<\/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\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/#Pengecualian_untuk_excess_wajib_waiver_of_excess\" title=\"Pengecualian untuk excess wajib (waiver of excess)\">Pengecualian untuk excess wajib (waiver of excess)<\/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\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/#Berapakah_premium_bagi_perlindungan_tambahan_pengecualian_untuk_excess_wajib\" title=\"Berapakah premium bagi perlindungan tambahan pengecualian untuk excess wajib?\">Berapakah premium bagi perlindungan tambahan pengecualian untuk excess wajib?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/#Adakah_semua_syarikat_insurans_menyediakan_perlindungan_tambahan_ini\" title=\"Adakah semua syarikat insurans menyediakan perlindungan tambahan ini?\">Adakah semua syarikat insurans menyediakan perlindungan tambahan ini?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/#Fahami_insurans_anda\" title=\"Fahami insurans anda\">Fahami insurans anda<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_itu_excess\"><\/span>Apakah itu excess?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk makluman anda, excess merujuk kepada amaun atau pembayaran awal yang anda sebagai pemegang polisi perlu tanggung sebelum syarikat insurans membayar baki tuntutan kerosakan sendiri anda, <strong>meskipun ia bukan kesalahan anda<\/strong>.<\/p>\n\n\n\n<p>Bagaimanapun, excess tidak akan dikenakan jika kerosakan kereta disebabkan oleh kejadian seperti kebakaran, letupan, kerosakan pihak ketiga mahupun tuntutan kecederaan pihak ketiga.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Jenis-jenis_excess\"><\/span>Jenis-jenis excess&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebenarnya, terdapat dua jenis excess yang ada iaitu <strong>a)<\/strong><em> <\/em><strong><em>voluntary excess<\/em><\/strong> dan<strong> b) <em>compulsory excess<\/em> (excess wajib)<\/strong>.<\/p>\n\n\n\n<p>Sebelum menerangkan lebih lanjut mengenai excess wajib, kami akan terangkan dulu sedikit mengenai kedua-dua jenis excess ini.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Voluntary_excess\"><\/span>Voluntary excess&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ada syarikat insurans yang mewajibkan, namun ada juga yang tidak mengenakannya tetapi harga insurans yang perlu dibayar akan dinaikkan. Kadar caj untuk <em>voluntary excess<\/em> adalah berbeza-beza bergantung kepada polisi syarikat insurans.&nbsp;<\/p>\n\n\n\n<p>Terdapat beberapa sebab ianya dikenakan kepada anda seperti:<\/p>\n\n\n\n<ul><li>&nbsp;pemilik kenderaan berusia muda (kurang 21 tahun)<\/li><li>&nbsp;kenderaan berisiko hilang<\/li><li>&nbsp;usia kenderaan yang sudah lama<\/li><\/ul>\n\n\n\n<p>Jumlah harga untuk excess ini pula adalah bergantung kepada peratusan (%) daripada jumlah perlindungan kereta anda.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Compulsory_excess_excess_wajib\"><\/span>Compulsory excess (excess wajib)&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><em>Compulsory excess<\/em>, juga disebut sebagai excess wajib adalah excess tambahan atau jumlah tetap sebanyak RM400 yang anda sebagai pemegang polisi perlu bayar, jika berlaku tuntutan di mana pada masa kemalangan itu, anda atau orang yang memandu kereta anda dengan persetujuan anda:<\/p>\n\n\n\n<ul><li>Di bawah umur 21 tahun<\/li><li>Merupakan pemegang lesen memandu percubaan (P) atau sementara (L)<\/li><li>Tidak dinamakan dalam jadual polisi sebagai pemandu dinamakan<\/li><\/ul>\n\n\n\n<p><strong>Gambaran situasi<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"11421\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/attachment\/photo_2021-11-17_17-57-39\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"photo_2021-11-17_17-57-39\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Bayaran excess wajib perlu dibuat jika ia menepatit ciri-ciri yang ditetapkan\" class=\"wp-image-11421\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Aida terlibat dalam kemalangan ketika dia memandu kereta bapanya. Walaupun Aida adalah pemandu yang dibenarkan, bapanya tetap perlu menanggung excess wajib sebanyak RM400 kerana Aida sebenarnya baru berusia 20 tahun.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_bayaran_untuk_excess_wajib_akan_dipulangkan_semula\"><\/span>Adakah bayaran untuk excess wajib akan dipulangkan semula?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Caj excess wajib sebanyak RM400 sememangnya perlu dibayar jika kerosakan kereta tersebut menepati ciri-ciri yang dinyatakan di atas. Justeru, wang itu tidak akan dipulangkan semula kepada pemilik kereta meskipun anda beranggapan ia bukanlah kesalahan yang dilakukan oleh anda.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pengecualian_untuk_excess_wajib_waiver_of_excess\"><\/span>Pengecualian untuk excess wajib (waiver of excess)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Namun tahukah anda, sebenarnya terdapat syarikat insurans kereta yang menyediakan perlindungan tambahan untuk pengecualian excess wajib ini kepada pemegang polisi komprehensif (<a href=\"https:\/\/bjak.my\/blog\/kenapa-anda-perlu-beli-insurans-kereta-1st-party\/\">insurans kereta 1st party<\/a>).<\/p>\n\n\n\n<p>Dengan pengecualian excess wajib, ia akan membantu mengurangkan beban kewangan pemegang polisi di mana excess wajib ini akan ditolak daripada pembayaran tuntutan akhir anda.<\/p>\n\n\n\n<p>Contoh:<\/p>\n\n\n\n<p>Ambil kira situasi Aida seperti contoh di atas tadi. Dengan pengecualian untuk excess wajib, amaun berjumlah RM400 yang sepatutnya dibayar oleh bapanya akan dikecualikan daripada pembayaran tuntutan polisinya.&nbsp;<\/p>\n\n\n\n<p>Fahami lebih lanjut melalui contoh di bawah:<\/p>\n\n\n\n<p><strong><em>Jumlah amaun tuntutan akibat kemalangan yang disebabkan oleh Aida adalah RM3,000<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-attachment-id=\"11424\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/attachment\/photo_2021-11-17_17-57-39-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39-2.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"photo_2021-11-17_17-57-39-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39-2.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39-2.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39-2.jpg?resize=840%2C840&#038;ssl=1\" alt=\"Waiver of excess bakal membantu pemegang polisi daripada membayar excess wajib yang dikenakan\" class=\"wp-image-11424\" width=\"840\" height=\"840\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39-2.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39-2.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39-2.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39-2.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-39-2.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 840px) 100vw, 840px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapakah_premium_bagi_perlindungan_tambahan_pengecualian_untuk_excess_wajib\"><\/span>Berapakah premium bagi perlindungan tambahan pengecualian untuk excess wajib?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bayaran premium untuk perlindungan tambahan bagi pengecualian excess wajib hanyalah sekitar RM20 ke RM30 sahaja untuk kereta persendirian berdaftar. Jadi berbanding anda perlu membayar RM400 untuk excess wajib, anda disarankan untuk membeli perlindungan tambahan ini kerana ia sememangnya lebih menjimatkan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_semua_syarikat_insurans_menyediakan_perlindungan_tambahan_ini\"><\/span>Adakah semua syarikat insurans menyediakan perlindungan tambahan ini?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tidak. Bukan semua syarikat insurans menyediakan perlindungan tambahan ini di dalam polisi komprehensif mereka.<\/p>\n\n\n\n<p>Antara syarikat-syarikat insurans yang menyediakan perlindungan tambahan pengecualian excess wajib adalah MSIG, Liberty Insurance dan Tokio Marine.<\/p>\n\n\n\n<p>Bagaimanapun, terdapat juga syarikat insurans yang memberikan pengecualian excess wajib kepada pemegang polisi komprehensif mereka secara<strong> percuma<\/strong> seperti Takaful Ikhlas.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Fahami_insurans_anda\"><\/span>Fahami insurans anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebagai pemilik kenderaan yang perlu memperbaharui insurans kereta setiap tahun, menjadi tugas anda untuk memahami segala klausa penting yang ada dalam polisi insurans bagi memudahkan proses tuntutan insurans anda pada masa akan datang.&nbsp;<\/p>\n\n\n\n<p>Sebagai contoh, jika anda tidak menyedari kewujudan excess ini di dalam polisi insurans kereta, anda mungkin akan mempertikai jika secara tiba-tiba perlu membayar sebahagian daripada jumlah tuntutan iaitu sebanyak RM400 meskipun beranggapan ia bukan kesalahan anda.&nbsp;<\/p>\n\n\n\n<p>Dalam pada itu, keupayaan untuk memahami klausa-klausa penting ini juga akan membantu anda mendapatkan pelan insurans yang lebih baik dan berbaloi. Jika dilihat, tidak semua syarikat insurans menyediakan manfaat tambahan yang sama. Jadi, bandingkanlah dulu sebelum mendapatkan insurans anda dan dapatkan hanya yang terbaik mengikut kemampuan serta keperluan diri anda. Untuk lebih mudah, lakukan sahaja perbandingan di platform perbandingan insurans terbesar di Malaysia, iaitu Bjak. 15 syarikat insurans disediakan untuk anda banding dalam satu masa yang sama.\u00a0<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan\u00a0<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\">sebut\u00a0harga percuma<\/a>\u00a0di Bjak dan pilih pelan terbaik hari ini!<\/p>\n\n\n\n<div class=\"wp-container-2 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\">Renew Insurans<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Baca juga:&nbsp;<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/risiko-pemandu-adakah-anda-pemandu-berisiko-tinggi-atau-rendah\/\">Risiko Pemandu: Adakah Anda Pemandu Berisiko Tinggi Atau Rendah?\u00a0<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/5-perkara-yang-perlu-anda-tahu-sebelum-membuat-tuntutan-insurans\/\">5 Perkara Yang Perlu Anda Tahu Sebelum Membuat Tuntutan Insurans<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/kesilapan-yang-perlu-dielakkan-semasa-memfailkan-tuntutan-insurans-kemalangan-kereta\/\">Kesilapan Yang Perlu Dielakkan Semasa Memfailkan Tuntutan Insurans Kemalangan Kereta<\/a><\/li><\/ul>\n\n\n\n<p><a href=\"\/#facebook\" rel=\"noreferrer noopener\" target=\"_blank\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Secara amnya, kebanyakan polisi insurans kereta tertakluk kepada klausa excess. Namun, apakah itu excess dan bagaimanakah ia berfungsi? Ketahuinya dalam artikel ini<\/p>\n","protected":false},"author":4,"featured_media":13456,"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":[26,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Penjelasan Mengenai Excess Wajib dalam Insurans Kereta<\/title>\n<meta name=\"description\" content=\"Secara amnya, kebanyakan polisi insurans kereta tertakluk kepada klausa excess. 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