{"id":30329,"date":"2022-05-13T14:34:32","date_gmt":"2022-05-13T06:34:32","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=30329"},"modified":"2023-06-21T12:27:47","modified_gmt":"2023-06-21T04:27:47","slug":"5-situasi-ini-tidak-dilindungi-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta","title":{"rendered":"Insurans Kereta: 5 Perkara Yang Tidak Dilindungi"},"content":{"rendered":"\n<p>Memiliki <a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-apa-yang-anda-perlu-tahu\/\">insurans kereta<\/a> tidak bermakna anda layak untuk membuat tuntutan atas semua situasi.<\/p>\n\n\n\n<p>Selain perlindungan yang diberikan adalah berbeza mengikut <a href=\"https:\/\/bjak.my\/blog\/beza-insurans-1st-party-dengan-3rd-party\/\">jenis insurans kereta<\/a> yang anda miliki, anda juga perlu tahu bahawa terdapat beberapa perkara atau situasi lain yang sebenarnya tidak dilindungi oleh syarikat insurans mahupun takaful.<\/p>\n\n\n\n<p>Jom ketahuinya dengan lebih lanjut menerusi 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=5-situasi-ini-tidak-dilindungi-insurans-kereta\">Renew Online<\/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-69e02467bd599\" 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-69e02467bd599\"><\/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\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/#Situasi-situasi_yang_tidak_dilindungi_oleh_syarikat_insurans\" title=\"Situasi-situasi yang tidak dilindungi oleh syarikat insurans\">Situasi-situasi yang tidak dilindungi oleh syarikat insurans<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/#Kerosakan_kereta_akibat_bencana_alam\" title=\"Kerosakan kereta akibat bencana alam\">Kerosakan kereta akibat bencana alam<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/#Kerosakan_total\" title=\"Kerosakan total\">Kerosakan total<\/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\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/#Kecederaan_atau_kematian_diri\" title=\"Kecederaan atau kematian diri\">Kecederaan atau kematian diri<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/#Kerosakan_kereta_akibat_rusuhan\" title=\"Kerosakan kereta akibat rusuhan\">Kerosakan kereta akibat rusuhan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/#Kehilangan_aksesori_kereta\" title=\"Kehilangan aksesori kereta\">Kehilangan aksesori kereta<\/a><\/li><\/ul><\/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\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/#Fahami_polisi_insurans_anda\" title=\"Fahami polisi insurans anda\">Fahami polisi insurans anda<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Situasi-situasi_yang_tidak_dilindungi_oleh_syarikat_insurans\"><\/span>Situasi-situasi yang tidak dilindungi oleh syarikat insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Berikut merupakan beberapa jenis situasi yang tidak dilindungi oleh insurans yang perlu anda ketahui:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kerosakan_kereta_akibat_bencana_alam\"><\/span>Kerosakan kereta akibat bencana alam<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"30334\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/attachment\/2022-05-11-15-21-56-16\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.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=\"2022-05-11-15.21.56-16\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.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\/05\/2022-05-11-15.21.56-16.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"rosak akibat bencana alam\" class=\"wp-image-30334\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Ramai yang mungkin akan menganggap bahawa mereka boleh membuat tuntutan insurans jika kenderaan mereka rosak akibat bencana alam seperti banjir, dihempap pokok dan lain-lain.&nbsp;<\/p>\n\n\n\n<p>Anda silap! Sebenarnya, syarikat insurans tidak melindungi kerosakan tersebut dan anda tidak boleh membuat tuntutan insurans<strong> melainkan anda ada membeli perlindungan peril khas di dalam <a href=\"https:\/\/bjak.my\/blog\/kenapa-anda-perlu-beli-insurans-kereta-1st-party\/\">insurans kereta 1st party<\/a> <\/strong>anda ketika memperbaharui insurans tahun itu.<\/p>\n\n\n\n<p>Perlindungan peril khas adalah&nbsp;<strong>perlindungan tambahan untuk kerosakan kenderaan akibat bencana alam seperti banjir, ribut, tanah runtuh, tanah mendap, pokok tumbang, bergantung kepada insurans yang anda pilih.<\/strong><\/p>\n\n\n\n<p>Perlindungan ini dapat membantu anda mendapatkan pampasan atas kerosakan kenderaan yang disebabkan oleh bencana alam seperti yang disenaraikan dalam polisi insurans.<\/p>\n\n\n\n<p>Pada kebiasaannya, premium bagi perlindungan ini adalah sekitar 0.5% daripada jumlah diinsuranskan, namun ia mungkin berbeza mengikut syarikat insurans dan pengendali Takaful.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kerosakan_total\"><\/span>Kerosakan <em>total<\/em><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"30336\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/attachment\/2022-05-11-15-22-00-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.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=\"2022-05-11-15.22.00-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.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\/05\/2022-05-11-15.22.00-2.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kereta total lost\" class=\"wp-image-30336\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Sesebuah kereta akan dianggap sebagai kerugian <em>total<\/em> apabila kenderaan terbabit rosak atau musnah sepenuhnya sehingga tidak dapat diperbaiki lagi.<\/p>\n\n\n\n<p>Syarikat insurans tidak akan menanggung baki pinjaman anda jika anda mengalami kemalangan sehingga menyebabkan kerosakan <em>total<\/em> pada kenderaan anda itu. Pihak insurans hanya akan membayar pampasan sebanyak mana nilai kereta anda pada harga pasaran dan kebiasaannya, jumlah tersebut adalah lebih rendah berbanding baki pinjaman kerana faktor kadar susut nilai kenderaan serta kadar bunga yang dikenakan oleh pihak bank.&nbsp;<\/p>\n\n\n\n<p>Namun perlu anda ingat, ini adalah bagi kes mereka yang membeli kereta melalui pinjaman bank ya.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kecederaan_atau_kematian_diri\"><\/span>Kecederaan atau kematian diri<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"30337\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/attachment\/2022-05-11-15-22-12-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.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=\"2022-05-11-15.22.12-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kecederaan atau kematian diri sendiri akibat kemalangan\" class=\"wp-image-30337\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Anda cedera atau meninggal dunia akibat kemalangan jalan raya?&nbsp;<\/p>\n\n\n\n<p>Penting untuk fahami bahawa insurans kereta tidak menawarkan perlindungan untuk kecederaan mahupun kematian anda akibat kemalangan jalan raya. Hanya kecederaan atau kematian pihak ketiga sahaja yang akan dilindungi.<\/p>\n\n\n\n<p>Namun, andai kata kemalangan tersebut bukan berpunca daripada anda, maka jangan risau kerana polisi insurans pihak ketiga tersebut akan membayar pampasan kepada anda.&nbsp;<\/p>\n\n\n\n<p>Bagaimanapun, terdapat juga sesetengah pelan insurans yang menawarkan perlindungan untuk kemalangan peribadi seperti Takaful Ikhlas.<\/p>\n\n\n\n<p>Sebagai alternatif, anda juga boleh mempertimbangkan untuk membeli insurans perubatan bagi membantu pembiayaan kos rawatan anda di hospital.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kerosakan_kereta_akibat_rusuhan\"><\/span>Kerosakan kereta akibat rusuhan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"30338\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/attachment\/2022-05-11-15-22-17-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.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=\"2022-05-11-15.22.17-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kereta rosak akibat rusuhan\" class=\"wp-image-30338\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Meskipun tidak disengajakan, polisi insurans tidak akan melindungi kereta anda jika ia rosak akibat daripada perbalahan ataupun rusuhan.&nbsp;<\/p>\n\n\n\n<p>Namun, jika anda bimbang ia berlaku pada masa hadapan, anda boleh membeli perlindungan tambahan ini di dalam polisi komprehensif anda. Pada kebiasaannya, kadar premium bagi perlindungan tambahan ini adalah sekitar 0.3% daripada jumlah yang diinsuranskan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kehilangan_aksesori_kereta\"><\/span>Kehilangan aksesori kereta<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"30339\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/attachment\/2022-05-11-15-22-27-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.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=\"2022-05-11-15.22.27-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kehilangan aksesori kereta\" class=\"wp-image-30339\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><em>Sport rims<\/em> baru tukar dicuri? Kerusi kulit baru tukar dirosakkan?&nbsp;<\/p>\n\n\n\n<p>Malang untuk anda, namun tuntutan insurans tetap tidak boleh dilakukan. Pihak insurans tidak akan membayar ganti rugi kepada anda untuk kehilangan atau kerugian aksesori&nbsp; terbabit.<\/p>\n\n\n\n<p>Bagaimanapun, anda boleh membuat tuntutan insurans sekiranya aksesori tersebut ada diinsuranskan oleh anda ketika memperbaharui insurans dengan pelan komprehensif sebelum ini.&nbsp;<\/p>\n\n\n\n<p>Jadi, jika anda seorang yang gemar menambah aksesori baharu yang mahal, anda sangat digalakkan untuk mengambil perlindungan tambahan aksesori kereta bagi melindunginya. Premium bagi perlindungan tambahan ini adalah 15% daripada jumlah aksesori yang dilindungi.\u00a0\u00a0<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Fahami_polisi_insurans_anda\"><\/span>Fahami polisi insurans anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebagai pemilik kereta, penting untuk anda fahamkan perkara ini bagi mengelak daripada berlakunya kekeliruan serta salah faham pada masa akan datang. Elak mengambil sikap sambil lewa, dan belilah perlindungan yang mencukupi dan terbaik untuk kenderaan anda.<\/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=5-situasi-ini-tidak-dilindungi-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=5-situasi-ini-tidak-dilindungi-insurans-kereta\">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\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/\">Jenis-jenis Perlindungan Tambahan untuk Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/5-kelebihan-ada-perlindungan-insurans-kereta\/\">5 Kelebihan Ada Perlindungan Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/kesalahan-sering-dilakukan-ketika-renew-insurans\/\">Kesalahan Sering Dilakukan Ketika Renew Insurans<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ketahui beberapa jenis situasi yang tidak dilindungi oleh syarikat insurans kereta menerusi perkongsian pada artikel ini. <\/p>\n","protected":false},"author":4,"featured_media":36900,"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":[26,243,365,248],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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