{"id":12755,"date":"2021-11-26T17:15:57","date_gmt":"2021-11-26T09:15:57","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=12755"},"modified":"2023-06-28T10:58:52","modified_gmt":"2023-06-28T02:58:52","slug":"claim-insurans-jika-kereta-rosak-sebab-banjir","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-jika-kereta-rosak-sebab-banjir","title":{"rendered":"Kereta Rosak Sebab Banjir atau Dihempap Pokok &#8211; Layak ke Claim Insurans?"},"content":{"rendered":"\n<p>Sejak kebelakangan ini, beberapa kejadian bencana alam dilihat sering berlaku susulan daripada cuaca hujan lebat yang melanda.<\/p>\n\n\n\n<p>Sebagai contoh beberapa hari lalu, banjir kilat setinggi antara 0.3 meter hingga 1.5 meter melanda beberapa kawasan di Ampang iaitu Taman Hillview, Kampung Lembah Jaya Utara dan Lembah Jaya Selatan.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"12758\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-jika-kereta-rosak-sebab-banjir\/attachment\/211126_a8-01-02-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-02-1.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=\"211126_A8-01-02-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-02-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-02-1.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\/211126_A8-01-02-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kejadian banjir kilat di Ampang\" class=\"wp-image-12758\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-02-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-02-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-02-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-02-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-02-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Akibatnya, sebanyak tiga pusat pemindahan sementara (PPS) telah dibuka bagi menempatkan mangsa-mangsa yang terjejas.&nbsp;<\/p>\n\n\n\n<p>Selain bencana banjir kilat yang berlaku di Ampang, di Cameron Highlands pula berlaku 11 kejadian tanah runtuh dan pokok tumbang pada Isnin, 22 November 2021 yang lalu.<\/p>\n\n\n\n<p>Ia berlaku pada kira-kira jam 2 petang ekoran daripada hujan lebat yang berlarutan hampir dua jam.&nbsp;<\/p>\n\n\n\n<p>Akhirnya, seorang mangsa cedera selepas kereta yang dinaikinya dihempap oleh pokok tumbang.<\/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-69e0c8a03a296\" 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-69e0c8a03a296\"><\/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\/claim-insurans-jika-kereta-rosak-sebab-banjir\/#Boleh_ke_tuntut_insurans\" title=\"Boleh ke tuntut insurans?\">Boleh ke tuntut insurans?<\/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\/claim-insurans-jika-kereta-rosak-sebab-banjir\/#Perlindungan_peril_khas_boleh_selamatkan_anda\" title=\"Perlindungan peril khas boleh selamatkan anda\">Perlindungan peril khas boleh selamatkan anda<\/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\/insurans-kereta\/claim-insurans-jika-kereta-rosak-sebab-banjir\/#Berapakah_premium_yang_perlu_dibayar\" title=\"Berapakah premium yang perlu dibayar?\">Berapakah premium yang perlu dibayar?<\/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\/insurans-kereta\/claim-insurans-jika-kereta-rosak-sebab-banjir\/#Berbaloikah_ambil_perlindungan_peril_khas\" title=\"Berbaloikah ambil perlindungan peril khas?\">Berbaloikah ambil perlindungan peril khas?<\/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\/insurans-kereta\/claim-insurans-jika-kereta-rosak-sebab-banjir\/#Dapatkan_perlindungan_insurans\" title=\"Dapatkan perlindungan insurans \">Dapatkan perlindungan insurans <\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Boleh_ke_tuntut_insurans\"><\/span>Boleh ke tuntut insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"12759\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-jika-kereta-rosak-sebab-banjir\/attachment\/211126_a8-01-03\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-03.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=\"211126_A8-01-03\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-03.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-03.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\/211126_A8-01-03.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Insurans kereta komprehensif tidak melindungi kerosakan kereta akibat bencana alam\" class=\"wp-image-12759\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-03.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-03.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-03.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-03.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-03.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Kejadian-kejadian bencana alam seperti di atas sememangnya berlaku tanpa sebarang amaran sehingga boleh memusnahkan harta benda dalam sekelip mata. Ia termasuklah kenderaan seperti kereta yang sememangnya sangat bernilai untuk sesiapa sahaja.&nbsp;<\/p>\n\n\n\n<p>Untuk anda yang sudah sekian lama memiliki kereta, anda pasti tahu bahawa perlindungan <a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">insurans kereta<\/a> asas yang diperbaharui setiap tahun tidak menawarkan perlindungan jika kereta rosak atau hanyut akibat sebarang kejadian bencana alam.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_peril_khas_boleh_selamatkan_anda\"><\/span>Perlindungan peril khas boleh selamatkan anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda hanya boleh membuat tuntutan insurans untuk pembaikan kereta akibat banjir atau bencana alam lain sekiranya anda ada atau telah membeli perlindungan tambahan peril khas (bencana alam) di dalam <a href=\"http:\/\/<!-- wp:paragraph --&gt; <p&gt;Anda hanya boleh membuat tuntutan insurans untuk pembaikan<a href=&quot;https:\/\/bjak.my\/blog\/kenapa-anda-perlu-beli-insurans-kereta-1st-party\/&quot;&gt; kereta akibat banjir atau bencana alam lain sekiranya anda ada atau telah membeli perlindungan tambahan peril khas (bencana alam) di dalam polisi <\/a&gt;insurans kereta 1st party anda.<\/p&gt; <!-- \/wp:paragraph --&gt;\">polisi insurans kereta 1st party<\/a> anda.<\/p>\n\n\n\n<p>Bagaimanapun, tuntutan anda itu perlu dibuat di bawah\u00a0tuntutan kerosakan sendiri\u00a0<em>(own damage)<\/em>\u00a0yang mana ia akan memberi kesan kepada kadar <a href=\"https:\/\/bjak.my\/blog\/ncd-fakta-kadar-ncd-cara-untuk-semak\/\">NCD insurans kereta <\/a>semasa anda.\u00a0NCD anda akan kembali ke angka sifar dan insurans akan menjadi mahal pada tahun berikutnya.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapakah_premium_yang_perlu_dibayar\"><\/span>Berapakah premium yang perlu dibayar?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jangan risau kerana ianya tidaklah semahal berbanding jika anda perlu membaiki kerosakan pada kenderaan menggunakan wang anda sendiri.<\/p>\n\n\n\n<p>Pada kebiasaannya, premium bagi perlindungan ini hanyalah 0.5% daripada jumlah yang diinsuranskan sahaja.<\/p>\n\n\n\n<p>*Kadar premium ini bagaimanapun berbeza mengikut syarikat insurans.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berbaloikah_ambil_perlindungan_peril_khas\"><\/span>Berbaloikah ambil perlindungan peril khas?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"12760\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-jika-kereta-rosak-sebab-banjir\/attachment\/211126_a8-01-04\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-04.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=\"211126_A8-01-04\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-04.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-04.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\/211126_A8-01-04.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kejadian pokok tumbang di Cameron Highlands\" class=\"wp-image-12760\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-04.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-04.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-04.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-04.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211126_A8-01-04.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Tiada siapa dapat mengagak apa yang akan berlaku pada masa akan datang. Kejadian bencana alam seperti di Ampang dan Cameron Highlands yang berlaku pada baru-baru ini menunjukkan bahawa sesiapa sahaja terdedah dengan risiko-risiko ini.&nbsp;<\/p>\n\n\n\n<p>Perlindungan peril khas hanya perlu dibeli setiap kali anda memperbaharui insurans. Jika difikirkan semula, kosnya tidaklah begitu mahal berbanding jika anda perlu mengeluarkan wang anda sendiri untuk pembaikan kereta. <\/p>\n\n\n\n<p>Sebaiknya anda persiapkanlah sahaja diri dan kenderaan anda dengan perlindungan tambahan peril khas ini. Ia berbaloi dan anda mungkin memerlukannya suatu hari nanti. Jangan anggap bahawa kejadian seperti ini tidak akan berlaku pada anda ya.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Dapatkan_perlindungan_insurans\"><\/span>Dapatkan perlindungan insurans <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Perlindungan insurans adalah amat penting dan mampu membantu anda ketika keadaan mendesak kelak. Seeloknya, dapatkan perlindungan insurans komprehensif (jika layak) dan <em>add-on <\/em>perlindungan tambahan seperti perlindungan peril khas untuk melindungi kereta anda. <\/p>\n\n\n\n<p>Untuk perbaharui insurans kini tidaklah susah. Anda boleh sahaja<em> renew<\/em> secara <em>online <\/em>di Bjak yang menawarkan harga terendah. Selain itu, 15 syarikat insurans disediakan untuk anda pilih dan bandingkan dalam satu masa yang sama. Pastinya lebih pantas dan menyenangkan. Layari Bjak hari ini untuk dapatkan dulu sebut harga secara percuma. <\/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\u00a0sebut\u00a0harga percuma\u00a0di Bjak dan pilih pelan terbaik hari ini!<\/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\">Renew Insurans<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Baca juga:<\/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?&nbsp;<\/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><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tahukah anda? Insurans komprehensif sahaja tidak mampu melindungi kereta jika rosak akibat bencana alam. Baca lebih lanjut menerusi artikel ini.<\/p>\n","protected":false},"author":4,"featured_media":13100,"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":[26,243,248],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kereta Rosak Sebab Banjir atau Dihempap Pokok - Layak ke Claim Insurans?<\/title>\n<meta name=\"description\" content=\"Insurans komprehensif sahaja tidak mampu melindungi kereta jika rosak akibat bencana alam. Mengapa? 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