{"id":26005,"date":"2022-03-07T16:11:57","date_gmt":"2022-03-07T08:11:57","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=26005"},"modified":"2023-06-28T12:29:38","modified_gmt":"2023-06-28T04:29:38","slug":"claim-insurans-kereta-rosak-bolehkah-anda-buat-tuntutan-jika-bukan-sebab-kemalangan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-kereta-rosak-bolehkah-anda-buat-tuntutan-jika-bukan-sebab-kemalangan","title":{"rendered":"Bolehkah Claim Insurans Jika Kereta Rosak BUKAN Sebab Kemalangan?"},"content":{"rendered":"\n<p>Mana-mana individu yang memiliki kenderaan bermotor perlu mempunyai perlindungan insurans kenderaan. Ia bukan sahaja bagi memastikan <a href=\"https:\/\/bjak.my\/blog\/roadtax-expired-lebih-3-tahun-bagaimana-nak-renew\/\">cukai jalan<\/a> atau <em><a href=\"https:\/\/bjak.my\/blog\/cara-renew-roadtax\/\">roadtax<\/a> <\/em>boleh diperbaharui, bahkan ia sebenarnya sangat penting bagi melindungi pemilik kenderaan jika berlaku sesuatu kejadian yang tidak diingini seperti kemalangan, kebakaran mahupun kecurian.<\/p>\n\n\n\n<p>Namun pernahkah anda terfikir, jika berlaku kerosakan pada komponen kereta anda (bukan akibat kemalangan), bolehkah anda turut membuat tuntutan insurans? Mudah kata, kerosakan itu adalah kerosakan yang berlaku sendiri. Contohnya, komponen kereta yang tidak lagi berfungsi akibat penggunaan dan juga kerana dimamah masa <em>(\u201cwear and tear\u201d)<\/em>.&nbsp;<\/p>\n\n\n\n<p>Untuk mengetahui jawapannya, teruskan membaca artikel 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\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=claim-insurans-kereta-rosak-bolehkah-anda-buat-tuntutan-jika-bukan-sebab-kemalangan\">Renew Insurans Terbaik<\/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-69df139008cc5\" 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-69df139008cc5\"><\/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-kereta-rosak-bolehkah-anda-buat-tuntutan-jika-bukan-sebab-kemalangan\/#Tahu_dulu_apa_yang_dilindungi_insurans\" title=\"Tahu dulu apa yang dilindungi insurans\">Tahu dulu apa yang dilindungi 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-kereta-rosak-bolehkah-anda-buat-tuntutan-jika-bukan-sebab-kemalangan\/#Kereta_rosak_BUKAN_sebab_kemalangan_bolehkah_anda_claim_insurans\" title=\"Kereta rosak BUKAN sebab kemalangan, bolehkah anda claim insurans?\">Kereta rosak BUKAN sebab kemalangan, bolehkah anda claim insurans?<\/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\/claim-insurans-kereta-rosak-bolehkah-anda-buat-tuntutan-jika-bukan-sebab-kemalangan\/#SITUASI_A\" title=\"SITUASI A\">SITUASI A<\/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\/claim-insurans-kereta-rosak-bolehkah-anda-buat-tuntutan-jika-bukan-sebab-kemalangan\/#SITUASI_B\" title=\"SITUASI B\">SITUASI B<\/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\/claim-insurans-kereta-rosak-bolehkah-anda-buat-tuntutan-jika-bukan-sebab-kemalangan\/#Bagaimana_pula_jika_cermin_kereta_retak_sendiri\" title=\"Bagaimana pula jika cermin kereta retak sendiri?\">Bagaimana pula jika cermin kereta retak sendiri?<\/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\/claim-insurans-kereta-rosak-bolehkah-anda-buat-tuntutan-jika-bukan-sebab-kemalangan\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tahu_dulu_apa_yang_dilindungi_insurans\"><\/span>Tahu dulu apa yang dilindungi insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Seperti yang anda mungkin sudah sedia maklum, terdapat 3 <a href=\"https:\/\/bjak.my\/blog\/beza-insurans-1st-party-dengan-3rd-party\/\">jenis insurans kereta<\/a> yang ada di pasaran yang menyediakan perlindungan berbeza seperti jadual di bawah:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh4.googleusercontent.com\/REXXgP4hX74AhwwVXXIHOrcLi0bNvu74Pn6156s3keZxO1-oMxT5_2_4lZsa_61VQpc5ebu9KcALDIWv-az6cBrEgE6XBGEhCp0oWvS_6vdHEg_-5_hWlMPa_DT6-2LXn1CXZmqK\" alt=\"Jenis-jenis polisi insurans\"\/><\/figure>\n\n\n\n<p>Berdasarkan jadual di atas, tidak ada polisi insurans yang menyediakan perlindungan untuk kerosakan kereta yang bukan diakibatkan oleh kemalangan, meskipun ia adalah polisi insurans komprehensif.<\/p>\n\n\n\n<p><strong><em>Nota:<\/em><\/strong><em> Polisi insurans komprehensif menyediakan perlindungan kerosakan pada kenderaan sendiri hanya jika <strong>disebabkan kemalangan sahaja<\/strong>.<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kereta_rosak_BUKAN_sebab_kemalangan_bolehkah_anda_claim_insurans\"><\/span>Kereta rosak BUKAN sebab kemalangan, bolehkah anda <em>claim <\/em>insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"26013\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-kereta-rosak-bolehkah-anda-buat-tuntutan-jika-bukan-sebab-kemalangan\/attachment\/220307_a6-01-03\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220307_A6-01-03.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=\"220307_A6-01-03\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220307_A6-01-03.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220307_A6-01-03.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220307_A6-01-03.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kereta rosak, bolehkah claim insurans?\" class=\"wp-image-26013\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220307_A6-01-03.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220307_A6-01-03.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220307_A6-01-03.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220307_A6-01-03.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220307_A6-01-03.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Justeru, bagi menjawab persoalan sama ada kereta yang rosak bukan disebabkan oleh kemalangan boleh <em>claim <\/em>insurans atau tidak, anda boleh fahaminya berdasarkan dua situasi ini:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"SITUASI_A\"><\/span><strong>SITUASI A<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ketika sedang memandu, Suzana alami kemalangan dan melanggar kenderaan lain. Akibat pelanggaran itu, kedua-dua buah kereta mengalami kerosakan. Kereta Suzana rosak di bahagian <em>bumper<\/em> depan dan beberapa komponen lain turut terjejas, manakala kereta mangsa rosak di bahagian bonet belakang.<\/p>\n\n\n\n<p>Katakan Suzana adalah pemegang polisi komprehensif, tuntutan yang boleh dibuat adalah:<\/p>\n\n\n\n<ol><li>Tuntutan kerosakan pada kenderaan sendiri <strong>akibat kemalangan <\/strong>&#8211; Suzana perlu <em>claim <\/em>insuransnya di bawah Tuntutan Kerosakan Sendiri kerana kemalangan tersebut berpunca daripadanya. NCD akan ditolak.\u00a0<\/li><li>Pihak yang dilanggar akan membuat tuntutan pihak ketiga bagi membaiki kerosakan pada kenderaannya.\u00a0<\/li><\/ol>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"SITUASI_B\"><\/span><strong>SITUASI B<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ketika sedang memandu, kereta Suhaimi tiba-tiba mengalami kerosakan. Memandangkan dia adalah pemegang polisi komprehensif, Suhaimi mendapatkan bantuan khidmat tunda daripada syarikat insuransnya bagi menghantar kereta ke bengkel.<\/p>\n\n\n\n<p>Dia bagaimanapun tidak boleh membuat tuntutan insurans bagi membaiki kerosakan yang dialami oleh keretanya kerana:<\/p>\n\n\n\n<ol><li>Kereta Suhaimi rosak <strong>bukan<\/strong> disebabkan oleh kemalangan<\/li><li>Bantuan khidmat tunda memang disediakan kepada pemegang polisi komprehensif meskipun kerosakan kereta berlaku bukan disebabkan kemalangan.<\/li><\/ol>\n\n\n\n<p><strong><em>Perlu tahu perkara ini<\/em><\/strong><\/p>\n\n\n\n<p>Jika berlaku kemalangan, laporan polis perlu dibuat bagi membuktikan ia benar-benar berlaku. Laporan itu membolehkan pihak insurans membayar ganti rugi kepada pihak terjejas.&nbsp;<\/p>\n\n\n\n<p>Jika hanya kerosakan sendiri, tiada laporan polis yang dibuat. Justeru, tiada bukti yang membolehkan syarikat insurans untuk membayar pampasan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_pula_jika_cermin_kereta_retak_sendiri\"><\/span>Bagaimana pula jika cermin kereta retak sendiri?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ini adalah situasi berbeza. Anda boleh membuat tuntutan terhadap syarikat insurans bagi menukar cermin kereta yang telah rosak. Namun, pastikan:<\/p>\n\n\n\n<ol><li>Anda adalah pemegang polisi komprehensif<\/li><li>Insurans anda masih sah<\/li><\/ol>\n\n\n\n<p>Bagaimanapun, untuk tuntutan bagi kerosakan pada cermin kereta, ia bergantung sama ada kadar NCD anda akan terjejas mahupun tidak:<\/p>\n\n\n\n<ol><li>Jika anda <strong>mempunyai perlindungan tambahan cermin kereta <\/strong>kereta, maka anda boleh membuat tuntutan insurans tanpa menjejaskan kadar NCD.<\/li><li>Jika anda<strong> tidak mempunyai perlindungan tambahan cermin <\/strong>kereta pada polisi insurans, anda tetap boleh membuat tuntutan insurans. Namun kadar NCD anda akan terjejas. <\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span>Kesimpulan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara kesimpulannya, selain daripada kerosakan kenderaan akibat kemalangan, anda tidak boleh membuat tuntutan insurans bagi membaiki kerosakan pada kereta anda. Ini kerana, secara lumrahnya, kondisi kereta sememangnya akan merosot semakin lama ia digunakan dan ia menjadi tanggunggjawab anda untuk membaikinya menggunakan wang sendiri.<\/p>\n\n\n\n<p>Jadi, anda diharapkan supaya tidak terkeliru dengan istilah tuntutan insurans ini. Ya, meskipun anda ada perlindungan insurans, namun tidak bermakna anda boleh tuntut segalanya ya!<\/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=claim-insurans-kereta-rosak-bolehkah-anda-buat-tuntutan-jika-bukan-sebab-kemalangan\">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=claim-insurans-kereta-rosak-bolehkah-anda-buat-tuntutan-jika-bukan-sebab-kemalangan\">Renew Insurans Terbaik<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Baca juga:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"http:\/\/Lesen Memandu Tamat Tempoh: Bolehkah Claim Insurans Jika Terlibat Kemalangan?\">Lesen Memandu Tamat Tempoh: Bolehkah Claim Insurans Jika Terlibat Kemalangan?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/apa-perlu-anda-buat-jika-dilanggar-kenderaan-tiada-insurans\/\">Apa Perlu Anda Buat Jika Dilanggar Kenderaan Tiada Insurans?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-claim-insurans-kemalangan-sendiri-tuntutan-own-damage\/\">Cara Claim Insurans Kemalangan Sendiri (Tuntutan Own Damage)&nbsp;<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bolehkah claim insurans untuk repair kereta rosak seperti masalah, aircond, radiator, waterpump dan lain-lain?<\/p>\n<p>Ketahuinya menerusi artikel ini!<\/p>\n","protected":false},"author":4,"featured_media":36907,"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":[26,243,977],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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