{"id":23522,"date":"2022-02-16T17:54:29","date_gmt":"2022-02-16T09:54:29","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=23522"},"modified":"2025-07-09T16:40:14","modified_gmt":"2025-07-09T08:40:14","slug":"beza-insurans-1st-party-dengan-3rd-party","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/beza-insurans-1st-party-dengan-3rd-party","title":{"rendered":"Jenis Insurans Kereta: Beza Insurans 1st Party dengan 3rd Party"},"content":{"rendered":"\n<p>Sebelum memperbaharui insurans, anda perlu tahu bahawa terdapat tiga jenis insurans kereta yang ada di pasaran yang mana setiap daripadanya memberikan perlindungan yang berbeza.<\/p>\n\n\n\n<p>Tiga jenis atau polisi insurans kereta yang ada adalah i) polisi insurans komprehensif, ii) polisi insurans pihak ketiga, kebakaran dan kecurian dan iii) polisi insurans pihak ketiga.<\/p>\n\n\n\n<p>Dalam artikel kali ini, Bjak akan menerangkan kepada anda perbezaan antara jenis insurans kereta komprehensif (turut dikenali sebagai insurans <em>1st party<\/em>) dan insurans pihak ketiga (<em>3rd party<\/em>).<\/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-69e3418a921fb\" 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-69e3418a921fb\"><\/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\/beza-insurans-1st-party-dengan-3rd-party\/#Jenis_insurans_kereta_1st_party\" title=\"Jenis insurans kereta 1st party&nbsp;\">Jenis insurans kereta 1st party&nbsp;<\/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\/beza-insurans-1st-party-dengan-3rd-party\/#Jenis_insurans_kereta_3rd_party\" title=\"Jenis insurans kereta 3rd party\">Jenis insurans kereta 3rd party<\/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\/beza-insurans-1st-party-dengan-3rd-party\/#Perbezaan_antara_insurans_1st_party_dan_3rd_party\" title=\"Perbezaan antara insurans 1st party dan 3rd party\">Perbezaan antara insurans 1st party dan 3rd party<\/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\/beza-insurans-1st-party-dengan-3rd-party\/#Fahami_dan_dapatkan_jenis_insurans_kereta_terbaik\" title=\"Fahami dan dapatkan jenis insurans kereta terbaik\">Fahami dan dapatkan jenis insurans kereta terbaik<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"insurans-1st-party\"><span class=\"ez-toc-section\" id=\"Jenis_insurans_kereta_1st_party\"><\/span>Jenis insurans kereta <em>1st party&nbsp;<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-Comprehensive-covers-own-damage-accident-theft-towing.jpg?resize=768%2C432&amp;ssl=1\" alt=\"Jenis insurans kereta 1st party menyediakan perlindungan paling menyeluruh buat pemegang polisi\"\/><\/figure>\n\n\n\n<p>Insurans <em>1st party <\/em>(juga lebih formal disebut sebagai insurans komprehensif) memberikan perlindungan yang lengkap buat pemilik kenderaan. Perlindungan untuk polisi insurans <em>1st party<\/em> ini meliputi kerosakan kenderaan sendiri akibat kemalangan, kecurian atau kebakaran kenderaan, serta perlindungan untuk kerosakan kenderaan, kecederaan atau kematian pihak ketiga.<\/p>\n\n\n\n<p>Untuk memahami situasi-situasi yang membolehkan anda untuk membuat tuntutan insurans jika memiliki polisi <em>1st party<\/em>, sila lihat contoh-contoh situasi di bawah:<\/p>\n\n\n\n<ol><li>Kereta anda rosak akibat terlanggar tiang lampu isyarat. Anda boleh tuntut insurans di bawah tuntutan <em>Own Damage<\/em>, namun akan kehilangan Diskaun Tanpa Tuntutan (NCD).<\/li><li>Kereta anda terlanggar haiwan ketika sedang memandu. Anda boleh tuntut insurans di bawah tuntutan <em>Own Damage<\/em>, namun akan kehilangan NCD.<\/li><li>Cermin kereta anda rosak. Anda boleh buat tuntutan di bawah <em>Own Damage<\/em> (jika tidak mempunyai perlindungan tambahan windscreen). Kadar NCD akan kembali menjadi sifar.<\/li><li>Cermin kereta anda rosak. Anda boleh buat tuntutan tanpa memberi kesan kepada kadar NCD dengan syarat anda mempunyai perlindungan tambahan <em>windscreen<\/em> dalam polisi anda ketika tuntutan dibuat.<\/li><li><a href=\"https:\/\/bjak.my\/blog\/kereta-terbakar-bolehkah-claim-insurans\/\">Kereta anda terbakar<\/a> dengan tidak sengaja\/akibat penganiayaan (tidak hilang NCD jika disebabkan oleh kereta lain). <\/li><li><a href=\"https:\/\/bjak.my\/blog\/kereta-kena-curi-ini-cara-anda-claim-insurans-kecurian\/\">Kereta anda dicuri <\/a>dan disahkan bukan kesalahan anda.<\/li><li>Anda terlanggar kenderaan lain. Pihak tersebut (pihak ketiga) boleh membuat tuntutan di bawah polisi anda. Anda juga boleh membaiki kerosakan pada kenderaan anda di bawah polisi ini. Bagaimanapun, NCD akan kembali kepada kadar 0%.<\/li><li>Anda dilanggar kenderaan lain. Anda boleh membuat tuntutan di bawah tuntutan pihak ketiga (tak perlu <em>claim<\/em> di bawah polisi insurans <em>1st party<\/em> anda). NCD anda tidak akan terjejas.<\/li><\/ol>\n\n\n\n<h2 id=\"insurans-3rd-party\"><span class=\"ez-toc-section\" id=\"Jenis_insurans_kereta_3rd_party\"><\/span>Jenis insurans kereta<em> 3rd party<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Only-cover-other-people-need-to-pay-for-own-damage.jpg?resize=768%2C432&amp;ssl=1\" alt=\"Jenis insurans kereta 3rd party hanya memberi perlindungan kepada pihak yang dilanggar sahaja (mangsa)\"\/><\/figure>\n\n\n\n<p>Insurans <em>3rd party <\/em>atau turut disebut sebagai insurans pihak ketiga merupakan polisi insurans yang menyediakan perlindungan paling asas. Sama seperti namanya, polisi ini hanya menyediakan perlindungan untuk pihak ketiga sahaja, iaitu pihak yang dilanggar oleh anda.<\/p>\n\n\n\n<p>Dengan memiliki polisi ini, segala kerosakan pada kenderaan anda perlu ditanggung oleh anda sendiri (jika kemalangan berpunca daripada anda). Tiada tuntutan boleh dibuat untuk kenderaan anda, dan polisi insurans anda itu hanya akan membayar pampasan untuk pihak ketiga, iaitu pihak yang dilanggar oleh anda.<\/p>\n\n\n\n<p>Untuk memahami dengan lebih lanjut, sila lihat contoh-contoh situasi di bawah:<\/p>\n\n\n\n<ol><li>Anda melanggar tiang lampu isyarat lalu kenderaan anda rosak teruk. Bolehkah anda membuat tuntutan jika memiliki polisi insurans pihak ketiga? &#8211; <strong>TIDAK<\/strong><\/li><li>Anda terlanggar haiwan ketika memandu. Bolehkah anda membuat tuntutan bawah polisi pihak ketiga? &#8211; <strong>TIDAK<\/strong><\/li><li>Kereta anda terbakar. Bolehkah anda membuat tuntutan bawah polisi pihak ketiga? &#8211; <strong>TIDAK<\/strong><\/li><li>Kereta anda dicuri. Adakah pihak insurans akan membayar pampasan sekiranya anda pada ketika itu memiliki polisi pihak ketiga? &#8211; <strong>TIDAK<\/strong><\/li><li>Kereta anda melanggar kenderaan lain dan rosak teruk. Bolehkah anda tuntut insurans untuk baiki kerosakan pada kereta anda? &#8211;<strong> TIDAK<\/strong><\/li><li>Kereta anda terlanggar kereta lain dan pihak tersebut ingin membuat tuntutan insurans di bawah polisi insurans pihak ketiga yang anda miliki. Adakah ia dibolehkan? &#8211; <strong>YA<\/strong><\/li><\/ol>\n\n\n\n<h2 id=\"perbezaan-antara-insurans-1st-party-dan-3rd-party\"><span class=\"ez-toc-section\" id=\"Perbezaan_antara_insurans_1st_party_dan_3rd_party\"><\/span>Perbezaan antara insurans <em>1st party<\/em> dan <em>3rd party<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk memahami dengan lebih lanjut mengenai perbezaan antara insurans <em>1st party<\/em> dan <em>3rd party<\/em>, sila lihat jadual di bawah:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Bentuk perlindungan dan lain-lain&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Insurans <em>1st party&nbsp;<\/em><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Insurans <em>3rd party<\/em><\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Kerosakan kenderaan sendiri<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">X<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Kebakaran<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">X<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Kecurian<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">X<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Kerosakan kenderaan, kecederaan &amp; kematian pihak ketiga<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Bantuan khidmat tunda<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">X<br>(Namun boleh dapatkan bantuan khidmat tunda dengan bayaran tertentu)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Bantuan kecemasan seperti <em>jump start<\/em>, ganti tayar, bateri dan lain-lain<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">X<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Tuntutan untuk cermin kereta<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">X<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><em>Add on<\/em> perlindungan tambahan<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">Terhad<br>(Windscreen dan peril khas tidak boleh ditambah)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Harga<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mahal<\/td><td class=\"has-text-align-center\" data-align=\"center\">Lebih murah<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Kelayakan membeli<\/td><td class=\"has-text-align-center\" data-align=\"center\">Pemilik untuk kereta bawah 10 tahun&nbsp;yang membeli dengan pinjaman bank wajib mengambil polisi ini.<br><br>Terdapat juga syarikat insurans yang menetapkan had maksimum usia kenderaan antara 16 &#8211; 25 tahun untuk insurans <em>1st party<\/em><\/td><td class=\"has-text-align-center\" data-align=\"center\">Pemilik untuk kenderaan berusia 15 tahun ke atas&nbsp;<\/td><\/tr><\/tbody><\/table><figcaption><em>Tanda (\/) menunjukkan polisi tersebut menyediakan perlindungan, manakala tanda (X) pula bermakna perlindungan tidak disediakan oleh polisi tersebut.<\/em><\/figcaption><\/figure>\n\n\n\n<h2 id=\"fahami-dan-dapatkan-perlindungan-terbaik\"><span class=\"ez-toc-section\" id=\"Fahami_dan_dapatkan_jenis_insurans_kereta_terbaik\"><\/span>Fahami dan dapatkan jenis insurans kereta terbaik<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Diharapkan perkongsian ini dapat sedikit sebanyak menambah pengetahuan anda tentang perbezaan antara jenis insurans kereta 1st party dan insurans <em>3rd party<\/em> dan seterusnya membantu anda mendapatkan perlindungan yang terbaik.&nbsp;<\/p>\n\n\n\n<p>Anda juga boleh mendapatkan lebih banyak info mengenai insurans kereta melalui platform Bjak. Pelbagai<strong> <\/strong>panduan dan tips untuk perbaharui insurans kereta ada dikongsikan khusus untuk anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak menyediakan 15 syarikat insurans untuk pengguna lakukan perbandingan sebelum memperbaharui insurans. Dapatkan<strong>&nbsp;<\/strong>sebut harga percuma&nbsp;di <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogms\">Bjak <\/a>hari ini dan renew insurans kereta atau motosikal anda dengan mudah dan pantas.<\/em><\/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-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=beza-insurans-1st-party-dengan-3rd-party\" style=\"background-color:#fdd103\">Dapatkan Sebut Harga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Baca juga:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/bagaimana-harga-insurans-kereta-dikira\/\">Bagaimana Harga Insurans Kereta Dikira?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-dapat-insurans-harga-rendah\/\">Cara Dapat Insurans Harga Rendah<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Fahami perbezaan antara insurans komprehensif (1st party) dan insurans pihak ketiga (3rd party) berserta bentuk perlindungan yang diberikan.<\/p>\n","protected":false},"author":4,"featured_media":23526,"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":[26,243,2007,1317],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Jenis Insurans Kereta: Beza Insurans 1st Party dengan 3rd Party<\/title>\n<meta name=\"description\" content=\"Fahami perbezaan antara jenis insurans kereta komprehensif dan insurans pihak ketiga berserta bentuk perlindungan yang diberikan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/beza-insurans-1st-party-dengan-3rd-party\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jenis Insurans Kereta: Beza Insurans 1st Party dengan 3rd Party\" \/>\n<meta property=\"og:description\" content=\"Fahami perbezaan antara jenis insurans kereta komprehensif dan insurans pihak ketiga berserta bentuk perlindungan yang diberikan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/beza-insurans-1st-party-dengan-3rd-party\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-16T09:54:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-09T08:40:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/220216_A14-01-01.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Athirah Hanapiah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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