{"id":28093,"date":"2022-04-05T10:42:50","date_gmt":"2022-04-05T02:42:50","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=28093"},"modified":"2023-08-01T14:28:34","modified_gmt":"2023-08-01T06:28:34","slug":"renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran","title":{"rendered":"Renew Insurans Kereta: Berbaloikah Insuranskan Kenderaan Ikut Nilai Pasaran?"},"content":{"rendered":"\n<p>Ketika anda <a href=\"https:\/\/bjak.my\/blog\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/\">renew insurans kereta<\/a>, anda mempunyai pilihan untuk memperbaharuinya mengikut jumlah perlindungan dengan nilai yang dipersetujui atau nilai pasaran.&nbsp;<\/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-69e002c116526\" 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-69e002c116526\"><\/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\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/#Apakah_maksud_nilai_pasaran\" title=\"Apakah maksud nilai pasaran?\">Apakah maksud nilai pasaran?<\/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\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/#Bolehkah_kereta_baru_ambil_jumlah_perlindungan_ikut_nilai_pasaran\" title=\"Bolehkah kereta baru ambil jumlah perlindungan ikut nilai pasaran?\">Bolehkah kereta baru ambil jumlah perlindungan ikut nilai pasaran?<\/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\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/#Adakah_premium_untuk_jumlah_perlindungan_ikut_nilai_pasaran_lebih_murah\" title=\"Adakah premium untuk jumlah perlindungan ikut nilai pasaran lebih murah?\">Adakah premium untuk jumlah perlindungan ikut nilai pasaran lebih murah?<\/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\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/#Apakah_risiko_renew_insurans_dengan_nilai_pasaran\" title=\"Apakah risiko renew insurans dengan nilai pasaran?\">Apakah risiko renew insurans dengan nilai pasaran?<\/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\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/#Bilakah_insurans_mengikut_nilai_pasaran_sesuai_diambil\" title=\"Bilakah insurans mengikut nilai pasaran sesuai diambil?\">Bilakah insurans mengikut nilai pasaran sesuai diambil?<\/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\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/#Berbaloi_insuranskan_kenderaan_mengikut_nilai_pasaran_ketika_renew_insurans_kereta\" title=\"Berbaloi insuranskan kenderaan mengikut nilai pasaran ketika renew insurans kereta?\">Berbaloi insuranskan kenderaan mengikut nilai pasaran ketika renew insurans kereta?<\/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\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/#Buat_penilaian_sewajarnya_sebelum_renew_insurans_kereta\" title=\"Buat penilaian sewajarnya sebelum renew insurans kereta\">Buat penilaian sewajarnya sebelum renew insurans kereta<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_maksud_nilai_pasaran\"><\/span>Apakah maksud nilai pasaran?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"28187\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/attachment\/220404_a1-01-02\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-02.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=\"220404_A1-01-02\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-02.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-02.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\/04\/220404_A1-01-02.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Nilai pasaran merujuk kepada jumlah perlindungan berdasarkan harga pasaran semasa kereta ketika tuntutan dibuat\" class=\"wp-image-28187\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-02.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-02.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-02.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-02.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-02.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Nilai pasaran merujuk kepada jumlah perlindungan berdasarkan harga pasaran semasa kereta anda. Nilai ini bergantung kepada jenama, model dan tahun kereta anda dikeluarkan.<\/p>\n\n\n\n<p><strong><em>Contoh:<\/em><\/strong> Jika jumlah perlindungan yang diambil adalah sebanyak RM30,000 dan kemudian ketika tempoh polisi masih sah anda membuat tuntutan untuk jumlah kerugian menyeluruh, anda akan mendapat <strong>pembayaran balik kurang daripada jumlah RM30,000<\/strong> kerana nilai pasaran kereta anda mungkin sudah menyusut. Jumlah pampasan yang akan dibayar adalah mengikut nilai kereta anda pada ketika itu.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bolehkah_kereta_baru_ambil_jumlah_perlindungan_ikut_nilai_pasaran\"><\/span>Bolehkah kereta baru ambil jumlah perlindungan ikut nilai pasaran?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jawapannya adalah tidak. Kereta baru di bawah usia 10 tahun dan masih di bawah pinjaman bank perlu diinsuranskan mengikut nilai yang dipersetujui.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_premium_untuk_jumlah_perlindungan_ikut_nilai_pasaran_lebih_murah\"><\/span>Adakah premium untuk jumlah perlindungan ikut nilai pasaran lebih murah?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ya. <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">Premium insurans kereta<\/a> bagi jumlah perlindungan mengikut nilai pasaran sememangnya lebih murah berbanding dengan premium bagi jumlah perlindungan mengikut nilai yang dipersetujui. Namun begitu, perbezaannya tidaklah begitu besar di antara kedua-duanya.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_risiko_renew_insurans_dengan_nilai_pasaran\"><\/span>Apakah risiko renew insurans dengan nilai pasaran?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika mengambil insurans mengikut nilai pasaran, anda mungkin berdepan risiko untuk terlebih perlindungan (<em>over-insurance<\/em>) atau terkurang perlindungan (<em>under-insurance<\/em>). Sekiranya terlebih perlindungan, maka insurans hanya akan membayar pampasan kepada anda mengikut nilai pasaran ketika berlaku kecurian atau <em>total loss<\/em>.<\/p>\n\n\n\n<p>Namun bagaimana pula jika terkurang perlindungan?<\/p>\n\n\n\n<p>Ini bermakna bahawa anda akan menerima pampasan namun bukanlah mengikut jumlah penuh nilai pasaran.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bilakah_insurans_mengikut_nilai_pasaran_sesuai_diambil\"><\/span>Bilakah insurans mengikut nilai pasaran sesuai diambil?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"28188\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/attachment\/220404_a1-01-03\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-03.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=\"220404_A1-01-03\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-03.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-03.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-03.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kereta yang sudah bebas daripada hutang bank boleh insuranskan kenderaan ikut nilai pasaran ketika renew insurans\" class=\"wp-image-28188\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-03.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-03.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-03.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-03.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/220404_A1-01-03.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Berbanding membeli insurans dengan jumlah perlindungan mengikut nilai pasaran, anda sebenarnya sangat digalakkan untuk mengambil insurans mengikut nilai yang dipersetujui ketika renew <a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">insurans kereta<\/a>. Walau bagaimanapun, anda masih boleh memilih untuk mendapatkan insurans mengikut nilai pasaran sekiranya:<\/p>\n\n\n\n<ol><li>Kereta anda sudah lama dan bebas daripada hutang bank<\/li><li>Kenderaan anda berusia lebih 10 tahun malah jarang digunakan<\/li><li>Kereta anda sudah lama dan hanya digunakan untuk perjalanan jarak dekat (seperti untuk ke surau, pasar dan sebagainya)<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berbaloi_insuranskan_kenderaan_mengikut_nilai_pasaran_ketika_renew_insurans_kereta\"><\/span>Berbaloi insuranskan kenderaan mengikut nilai pasaran ketika renew insurans kereta?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Seperti yang dinyatakan di atas, anda sememangnya lebih digalakkan untuk mengambil jumlah perlindungan mengikut nilai yang dipersetujui ketika renew insurans kereta. <\/p>\n\n\n\n<p>Pembelian insurans mengikut nilai pasaran hanya akan berbaloi jika kereta anda sememangnya sudah lama dan andai kata berlaku sebarang kejadian terhadap kereta itu, anda tidak mengalami kerugian yang begitu besar.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Buat_penilaian_sewajarnya_sebelum_renew_insurans_kereta\"><\/span>Buat penilaian sewajarnya sebelum renew insurans kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Meskipun anda boleh mendapatkan premium yang lebih murah dengan menginsuranskan kereta mengikut nilai pasaran, namun anda perlu memikirkan risiko-risiko dan jumlah kerugian yang bakal dihadapi seandainya kenderaan anda dicuri atau mengalami <em>total loss.&nbsp;<\/em><\/p>\n\n\n\n<p>Fikir dan buat keputusan yang tepat sebelum memperbaharui insurans. Setiap syarikat insurans mungkin menyediakan jumlah perlindungan yang sama namun memberikan premium yang berbeza. Bandingkan terlebih dahulu sebelum mendapatkan insurans kereta anda. Anda juga boleh buat perbandingan dengan lebih mudah melalui Bjak. Minta dulu sebut harga percuma sekarang.<\/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<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\">\u00a0sebut\u00a0harga percuma<\/a>\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\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\">Renew Online<\/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\/cara-renew-insurans-kereta\/\">Cara Renew Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/jimat-lebih-bila-renew-insurans-kereta-dengan-5-cara-ni\/\">Jimat Lebih Bila Renew Insurans Kereta Dengan 5 Cara Ni!<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-perlukah-anda-renew-insurans-sama-setiap-tahun\/\">Insurans Kereta: Perlukah Anda Renew Insurans Sama Setiap Tahun?<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Apakah itu nilai pasaran? Perlukah anda insuranskan kereta anda mengikut nilai pasaran ketika renew insurans? <\/p>\n<p>Ketahuinya menerusi artikel ini.<\/p>\n","protected":false},"author":4,"featured_media":28185,"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>Renew Insurans Kereta: Berbaloikah Insuranskan Kenderaan Ikut Nilai Pasaran?<\/title>\n<meta name=\"description\" content=\"Apakah itu nilai pasaran? 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