{"id":33617,"date":"2022-07-14T10:18:27","date_gmt":"2022-07-14T02:18:27","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=33617"},"modified":"2022-07-18T09:52:55","modified_gmt":"2022-07-18T01:52:55","slug":"maksud-loading-dalam-insurans-kenderaan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/maksud-loading-dalam-insurans-kenderaan","title":{"rendered":"Maksud \u2018loading\u2019 dalam Insurans Kenderaan"},"content":{"rendered":"\n<p>Saban tahun membeli <a href=\"https:\/\/piam.org.my\">insurans<\/a> kenderaan, mungkin ada dalam kalangan pemilik kenderaan\/ pemegang polisi yang masih belum tahu atau menyedari tentang beberapa terma penting dalam polisi insurans tersebut.<\/p>\n\n\n\n<p>Antaranya adalah <a href=\"https:\/\/bjak.my\/blog\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/\">ekses<\/a>, <a href=\"https:\/\/bjak.my\/blog\/apa-itu-betterment-untuk-insurans-kenderaan\/\">betterment<\/a>, <a href=\"https:\/\/bjak.my\/blog\/apakah-itu-waiver-of-betterment-ketahui-maksud-fungsi-cara-dapatkan\/\">waiver of betterment<\/a>, <a href=\"https:\/\/bjak.my\/blog\/nak-renew-insurans-fahami-polisi-insurans-anda\/#Endorsmen\">endorsmen<\/a>, <a href=\"https:\/\/bjak.my\/blog\/terma-penting-dalam-insurans-kereta\/#Premium_Insurans\">premium<\/a> dan banyak lagi. Selain itu, salah satu terma yang sering ada dalam polisi insurans kenderaan adalah \u2018loading\u2019.<\/p>\n\n\n\n<p>Jika sebelum ini Bjak sudah menerangkan dengan lebih lanjut mengenai beberapa terma penting dalam polisi insurans, kali ini kami akan jelaskan pula apa itu \u2018loading\u2019 di dalam polisi insurans kenderaan untuk pemahaman bersama.&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-69d7c6ecb9328\" 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-69d7c6ecb9328\"><\/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\/maksud-loading-dalam-insurans-kenderaan\/#Apakah_yang_dimaksudkan_dengan_%E2%80%98loading%E2%80%99\" title=\"Apakah yang dimaksudkan dengan \u2018loading\u2019?\">Apakah yang dimaksudkan dengan \u2018loading\u2019?<\/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\/maksud-loading-dalam-insurans-kenderaan\/#Berapakah_caj_loading_yang_dikenakan\" title=\"Berapakah caj loading yang dikenakan?\">Berapakah caj loading yang dikenakan?<\/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\/maksud-loading-dalam-insurans-kenderaan\/#Gambaran_situasi\" title=\"Gambaran situasi:\">Gambaran situasi:<\/a><\/li><\/ul><\/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\/maksud-loading-dalam-insurans-kenderaan\/#Tahu_dan_bandingkan_caj_loading_sebelum_renew_insurans\" title=\"Tahu dan bandingkan caj loading sebelum renew insurans\">Tahu dan bandingkan caj loading sebelum renew insurans<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_yang_dimaksudkan_dengan_%E2%80%98loading%E2%80%99\"><\/span>Apakah yang dimaksudkan dengan \u2018loading\u2019?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Loading merupakan salah satu jargon dalam industri insurans yang sebenarnya boleh diistilahkan sebagi \u2018caj tambahan\u2019. Caj tambahan ini dikenakan oleh syarikat insurans terhadap pemegang polisi ke atas premium asas berdasarkan sesuatu risiko.&nbsp;<\/p>\n\n\n\n<p>Antara faktor risiko yang diambil kira oleh syarikat insurans adalah faktor umur pemandu, tabiat pemandu, kapasiti enjin, sejarah memandu, kekerapan tuntutan sebelumnya, umur kenderaan dan lain-lain. Caj loading ini akan dikenakan bagi memastikan ia setimpal dengan risiko yang akan ditanggung oleh syarikat insurans.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapakah_caj_loading_yang_dikenakan\"><\/span>Berapakah caj loading yang dikenakan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kadar caj atau peratusan loading yang ditetapkan oleh setiap syarikat insurans adalah berbeza-beza meskipun untuk satu risiko yang sama. Biasanya, peratusan loading yang ditetapkan adalah di antara 15% hingga 35%. Semakin tinggi risiko yang ditanggung oleh syarikat insurans, semakin tinggi kadar yang akan dikenakan bagi menutup pendedahan berisiko tinggi.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Gambaran_situasi\"><\/span><strong><em>Gambaran situasi:<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Encik Ahmad memiliki sebuah kereta lama jenama XX yang sudah didaftarkan sejak tahun 2007, dan tahun ini, usia kenderaan itu adalah 15 tahun. Selama 15 tahun ini, Encik Ahmad tidak pernah membuat sebarang tuntutan dan kadar NCD juga sudah mencecah sebanyak 55%. Walau bagaimanapun, memandangkan kereta itu sudah agak lama, syarikat insurans mengenakan caj loading terhadap premium insurans asasnya iaitu sebanyak 30%.<\/p>\n\n\n\n<p>Jadi, jumlah premium yang Encik Ahmad perlu bayar untuk premium insuransnya bagi tahun 2022 adalah seperti berikut:<\/p>\n\n\n\n<p><em><strong>Pengiraan sebelum penolakan NCD, dan ditambah dengan caj loading<\/strong>:<\/em><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Premium asas<\/strong><\/td><td>RM427.30<\/td><\/tr><tr><td><strong>Caj loading (30%)<\/strong><\/td><td>RM128.19<\/td><\/tr><tr><td><strong>Jumlah yang sepatutnya dibayar<\/strong><\/td><td>RM555.49<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong><em>Selepas penolakan NCD<\/em><\/strong><\/p>\n\n\n\n<p>RM555.49 &#8211; NCD (55%) RM305.50=&nbsp; <strong>RM249.97<\/strong><\/p>\n\n\n\n<p><strong><em>Jumlah premium yang perlu dibayar selepas ditambah cukai SST (6%) dan caj duti setem<\/em><\/strong><\/p>\n\n\n\n<p>RM249.97 + RM15 (SST) + RM10 (duti setem) = <strong>RM274.97<\/strong><\/p>\n\n\n\n<p>Bagi pembaharuan insurans tahun 2022, jumlah premium insurans yang perlu dibayar oleh Encik Ahmad adalah sebanyak <strong>RM274.97<\/strong>.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tahu_dan_bandingkan_caj_loading_sebelum_renew_insurans\"><\/span>Tahu dan bandingkan caj loading sebelum renew insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara amnya, semakin tinggi kadar loading yang dikenakan, semakin mahal premium insurans yang perlu dibayar. Jadi sebelum membeli insurans, pemilik kenderaan digalakkan untuk mengetahui atau membandingkan dahulu caj yang dikenakan oleh setiap syarikat insurans bagi memastikan ia adalah yang terendah anda miliki. Semakin rendah caj yang dikenakan, semakin rendah premium insurans yang perlu anda bayar.&nbsp;<\/p>\n\n\n\n<p>Walau bagaimanapun, ada juga syarikat insurans yang tidak mengenakan sebarang caj loading. Jadi, silalah jadi seorang pengguna yang bijak dan selidik terlebih dahulu sebelum memperbaharui insurans kenderaan anda.&nbsp;<\/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<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogms\"><strong>&nbsp;sebut harga percuma<\/strong><\/a>&nbsp;di Bjak hari ini dan renew insurans kereta atau motosikal anda dengan mudah dan pantas.<\/em><\/p>\n\n\n\n<p><strong>Baca juga:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/#Terma-terma_penting_dalam_polisi_insurans_kereta\">Panduan Lengkap Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/apakah-itu-waiver-of-betterment-ketahui-maksud-fungsi-cara-dapatkan\/\">Apakah itu Waiver of Betterment? \u2013 Ketahui Maksud, Fungsi &amp; Cara Dapatkan<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/apa-itu-betterment-untuk-insurans-kenderaan\/\">Apa Itu Betterment untuk Insurans Kenderaan?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/\">Penjelasan Mengenai Excess Wajib dalam Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/terma-penting-dalam-insurans-kereta\/#Loading\">Apakah \u201cPremium Insurans\u201d? Ketahui Pelbagai Terma Penting dalam Polisi Insurans Kereta Anda<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ketahui maksud salah satu terma atau istilah dalam polisi insurans kenderaan iaitu &#8216;loading&#8217; bagi pemahaman anda. <\/p>\n","protected":false},"author":4,"featured_media":33749,"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":[26,700,243,1843],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Maksud \u2018loading\u2019 dalam Insurans Kenderaan | BJAK<\/title>\n<meta name=\"description\" content=\"Ketahui maksud salah satu terma atau istilah dalam polisi insurans kenderaan iaitu &#039;loading&#039; bagi pemahaman anda.\" \/>\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\/maksud-loading-dalam-insurans-kenderaan\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Maksud \u2018loading\u2019 dalam Insurans Kenderaan | BJAK\" \/>\n<meta property=\"og:description\" content=\"Ketahui maksud salah satu terma atau istilah dalam polisi insurans kenderaan iaitu &#039;loading&#039; bagi pemahaman anda.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/maksud-loading-dalam-insurans-kenderaan\" \/>\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=\"2022-07-14T02:18:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-18T01:52:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/2022-07-14-10.03.00.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=\"3 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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