{"id":34056,"date":"2022-07-26T11:47:46","date_gmt":"2022-07-26T03:47:46","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=34056"},"modified":"2023-08-01T16:49:17","modified_gmt":"2023-08-01T08:49:17","slug":"risiko-jika-anda-under-insured-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-jika-anda-under-insured-kereta","title":{"rendered":"Risiko Jika Anda Under-Insured Kereta"},"content":{"rendered":"\n<p>Berjaya perbaharui <a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">insurans kereta<\/a> dengan harga yang murah adalah satu perkara yang pastinya menggembirakan buat sesiapa sahaja. Jika ia disertakan bersama perlindungan yang mencukupi dan terbaik, maka ia bukanlah satu masalah. Namun, jika kenderaan itu sebenarnya terkurang perlindungan atau<em> under-insured<\/em>, maka ia mungkin berisiko buat pemilik kenderaan tersebut.\u00a0<\/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-69df1faa841eb\" 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-69df1faa841eb\"><\/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\/risiko-jika-anda-under-insured-kereta\/#Apakah_itu_under-insured\" title=\"Apakah itu under-insured?\">Apakah itu under-insured?<\/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\/risiko-jika-anda-under-insured-kereta\/#Bagi_kes_kemalangan_kereta\" title=\"Bagi kes kemalangan kereta\">Bagi kes kemalangan kereta<\/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\/risiko-jika-anda-under-insured-kereta\/#Bagi_kes_kecurian_kereta\" title=\"Bagi kes kecurian kereta\">Bagi kes kecurian kereta<\/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\/risiko-jika-anda-under-insured-kereta\/#Apakah_risiko_anda_under-insured_kenderaan\" title=\"Apakah risiko anda under-insured kenderaan?\">Apakah risiko anda under-insured kenderaan?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-jika-anda-under-insured-kereta\/#Kerugian_untuk_diri_anda\" title=\"Kerugian untuk diri anda\">Kerugian untuk diri anda<\/a><\/li><\/ul><\/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\/risiko-jika-anda-under-insured-kereta\/#Dapatkan_perlindungan_yang_mencukupi\" title=\"Dapatkan perlindungan yang mencukupi\">Dapatkan perlindungan yang mencukupi<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_itu_under-insured\"><\/span>Apakah itu under-insured?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><em>Ali memiliki sebuah kereta jenama A dan nilai pasaran keretanya pada ketika ini adalah berjumlah RM40,000. Walau bagaimanapun ketika memperbaharui insurans, Ali hanya menginsuranskan keretanya sebanyak RM27,000, iaitu di bawah harga pasaran semasa kerana premiumnya lebih murah.&nbsp;<\/em><\/p>\n\n\n\n<p>Inilah yang dimaksudkan dengan <em>under-insured<\/em>. Dengan kata lain, <em>under-insured<\/em> merupakan suatu keadaan di mana nilai perlindungan insurans adalah kurang daripada nilai pasaran sebenar bagi melindungi harta yang diinsuranskan, seperti kereta.&nbsp;<\/p>\n\n\n\n<p>Jika berlaku kemalangan, kecurian atau kebakaran, nilai pampasan yang bakal diperoleh bukan sahaja akan kurang daripada harga pasaran semasa kereta anda, malah lebih rendah daripada jumlah yang telah anda insuranskan ketika memperbaharui insurans.&nbsp;<\/p>\n\n\n\n<p><strong>Formula pengiraan:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"34061\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-jika-anda-under-insured-kereta\/attachment\/1-2022-07-25-15-35-06\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/1-2022-07-25-15.35.06.jpg?fit=480%2C304&amp;ssl=1\" data-orig-size=\"480,304\" 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;1&quot;}\" data-image-title=\"1-2022-07-25-15.35.06\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/1-2022-07-25-15.35.06.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/1-2022-07-25-15.35.06.jpg?fit=480%2C304&amp;ssl=1\" loading=\"lazy\" width=\"480\" height=\"304\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/1-2022-07-25-15.35.06.jpg?resize=480%2C304&#038;ssl=1\" alt=\"\" class=\"wp-image-34061\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/1-2022-07-25-15.35.06.jpg?w=480&amp;ssl=1 480w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/1-2022-07-25-15.35.06.jpg?resize=300%2C190&amp;ssl=1 300w\" sizes=\"(max-width: 480px) 100vw, 480px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Bagi_kes_kemalangan_kereta\"><\/span>Bagi kes kemalangan kereta<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kita ambil contoh daripada situasi Ali di atas tadi. Ketika memperbaharui insurans, nilai pasaran semasa untuk keretanya pada ketika itu adalah sebanyak RM40,000 bukan?&nbsp;<\/p>\n\n\n\n<p>Namun 10 bulan berlalu dan Ali terlibat dalam kemalangan. Pada ketika ini, nilai pasaran bagi keretanya telah menurun ke RM36,000 dan dia memerlukan nilai tuntutan sebanyak RM5,000 bagi menampung kos pembaikan keretanya.&nbsp;<\/p>\n\n\n\n<p>Berikut merupakan jumlah tuntutan yang Ali layak perolehi daripada syarikat insurans:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"34062\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-jika-anda-under-insured-kereta\/attachment\/2-2022-07-25-15-35-01\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/2-2022-07-25-15.35.01.jpg?fit=480%2C304&amp;ssl=1\" data-orig-size=\"480,304\" 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;1&quot;}\" data-image-title=\"2-2022-07-25-15.35.01\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/2-2022-07-25-15.35.01.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/2-2022-07-25-15.35.01.jpg?fit=480%2C304&amp;ssl=1\" loading=\"lazy\" width=\"480\" height=\"304\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/2-2022-07-25-15.35.01.jpg?resize=480%2C304&#038;ssl=1\" alt=\"\" class=\"wp-image-34062\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/2-2022-07-25-15.35.01.jpg?w=480&amp;ssl=1 480w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/07\/2-2022-07-25-15.35.01.jpg?resize=300%2C190&amp;ssl=1 300w\" sizes=\"(max-width: 480px) 100vw, 480px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Pihak insurans mungkin hanya akan membayar pampasan kepada Ali sebanyak RM3,750 manakala baki lagi RM1,250 perlu ditanggung oleh Ali sendiri.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Bagi_kes_kecurian_kereta\"><\/span>Bagi kes kecurian kereta<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ketika memperbaharui insurans, Ahmad memperbaharui insurans mengikut nilai pasaran semasa, katakan berjumlah RM40,000. 10 bulan berlalu dan kereta Ahmad dicuri. Pada ketika itu, nilai pasaran semasa bagi keretanya adalah sebanyak RM35,000 sahaja.&nbsp;<\/p>\n\n\n\n<p>Maka Ahmad tidak akan mendapat pampasan penuh dan bahkan mungkin lebih rendah daripada jumlah RM35,000 itu!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_risiko_anda_under-insured_kenderaan\"><\/span>Apakah risiko anda under-insured kenderaan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kerugian_untuk_diri_anda\"><\/span>Kerugian untuk diri anda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika berlaku kemalangan, anda tidak akan mendapat pampasan yang penuh daripada syarikat insurans. Bahkan, anda mungkin terpaksa menggunakan wang sendiri bagi menambah kos pembaikan kereta anda (bagi kes kemalangan) dan tidak menerima pampasan penuh (bagi kes kecurian kereta\/ total lost akibat kebakaran atau kemalangan).<\/p>\n\n\n\n<p>Ini adalah sangat merugikan berbanding jika anda menginsuranskan kenderaan anda mengikut<em> agreed value<\/em> ketika memperbaharui insurans.\u00a0<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Dapatkan_perlindungan_yang_mencukupi\"><\/span>Dapatkan perlindungan yang mencukupi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pastikan kenderaan anda dilindungi dengan polisi insurans yang terbaik. Jika anda kurang arif, dapatkan bantuan daripada pasukan khidmat pelanggan syarikat insurans pilihan anda itu bagi mendapatkan penjelasan lanjut. Ketahui perbezaan jika anda <a href=\"https:\/\/bjak.my\/blog\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/\">renew insurans kereta<\/a> mengikut market value, agreed value atau kurang daripada harga pasaran. Selepas itu, barulah anda nilaikan mana yang terbaik untuk kereta 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=risiko-jika-anda-under-insured-kereta\">sebut\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=risiko-jika-anda-under-insured-kereta\">Renew Insurans<\/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\/market-value-vs-agreed-value\/#Apakah_agreed_value\">Sum Insured Insurans Kereta: Market Value vs Agreed Value<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/\">Renew Insurans: Berbaloikah Insuranskan Kereta Ikut Nilai Pasaran?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/bagaimana-harga-insurans-kereta-dikira\/\">Bagaimana Harga Insurans Kereta Dikira?<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Berbaloikah anda insuranskan kenderaan anda rendah daripada harga pasaran? Apakah risiko jika anda under-insured kereta anda? <\/p>\n<p>Ketahuinya menerusi artikel ini.<\/p>\n","protected":false},"author":4,"featured_media":34066,"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":[26,243,248,977],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Risiko Jika Anda Under-Insured Kereta<\/title>\n<meta name=\"description\" content=\"Berbaloikah anda insuranskan kenderaan anda rendah daripada harga pasaran? 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