{"id":34744,"date":"2022-09-06T15:18:28","date_gmt":"2022-09-06T07:18:28","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=34744"},"modified":"2023-06-19T14:49:10","modified_gmt":"2023-06-19T06:49:10","slug":"4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda","title":{"rendered":"Semak Harga Insurans Kereta &#8211; 4 Caj Tambahan Dalam Premium Asas"},"content":{"rendered":"\n<p>Salah satu komitmen wajib yang perlu dilakukan oleh individu yang memiliki kereta adalah memperbaharui insurans untuk kenderaannya itu pada setiap tahun. Jadi, penting untuk anda <a href=\"https:\/\/bjak.my\/blog\/bagaimana-harga-insurans-kereta-dikira\/\">semak harga insurans kereta<\/a>, tahu bagaimakah harga insurans kereta dikira dan apakah caj tambahan yang dikenakan. <\/p>\n\n\n\n<p>Untuk yang sudah lama memiliki kereta, anda mungkin sudah tahu bahawa terdapat caj tambahan yang dikenakan ketika <a href=\"https:\/\/bjak.my\/blog\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/\">renew insurans kereta<\/a>. Namun, untuk yang baru pertama kali mempunyai kenderaan sendiri, pembaharuan insurans mungkin akan jadi pengalaman baru untuk anda.\u00a0<\/p>\n\n\n\n<p>Perlu anda tahu, selain premium asas untuk pelan insurans yang ditetapkan oleh syarikat insurans, terdapat beberapa caj tambahan lain yang perlu anda bayar sebelum membelinya. Jadi sangat penting untuk anda semak harga insurans kereta anda supaya anda tidak keliru. Teruskan membaca artikel ini untuk mengetahui dengan lebih lanjut mengenainya.<\/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-black-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=4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda\">Renew Insurans 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-69dffc3baae1b\" 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-69dffc3baae1b\"><\/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\/4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda\/#Tahu_dulu_bagaimana_harga_insurans_dikira\" title=\"Tahu dulu bagaimana harga insurans dikira\">Tahu dulu bagaimana harga insurans dikira<\/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\/4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda\/#Semak_harga_insurans_kereta_%E2%80%93_Caj_tambahan_dalam_premium_asas_insurans_kereta\" title=\"Semak harga insurans kereta &#8211; Caj tambahan dalam premium asas insurans kereta\">Semak harga insurans kereta &#8211; Caj tambahan dalam premium asas insurans kereta<\/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\/4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda\/#Cukai_Jualan_dan_Perkhidmatan_SST\" title=\"Cukai Jualan dan Perkhidmatan (SST)\">Cukai Jualan dan Perkhidmatan (SST)<\/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\/4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda\/#Duti_Setem\" title=\"Duti Setem\">Duti Setem<\/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\/4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda\/#Perlindungan_tambahan\" title=\"Perlindungan tambahan\">Perlindungan tambahan<\/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\/4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda\/#Komisyen_jika_membeli_dengan_ejen\" title=\"Komisyen (jika membeli dengan ejen)\">Komisyen (jika membeli dengan ejen)<\/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\/4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda\/#Cara_harga_insurans_kereta_dikira\" title=\"Cara harga insurans kereta dikira\">Cara harga insurans kereta dikira<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda\/#Keliru_nak_renew_insurans_Buat_online_di_Bjak\" title=\"Keliru nak renew insurans? Buat online di Bjak\">Keliru nak renew insurans? Buat online di Bjak<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tahu_dulu_bagaimana_harga_insurans_dikira\"><\/span>Tahu dulu bagaimana harga insurans dikira<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh5.googleusercontent.com\/HxBBQY5ACyS-ep1WTkZDrHYZ-qVup5m4kFEZ9OVD_b8W5N2WFYHpG33Mf8EACW3_Ba0o-illr1hXnbKMQapOFVzF2zDCri3uXu98R18Srgr0p_jNA0M0hldqdJPerEePK_P9FVuRR3UVyOvqNaBnLi27eHjlASbDcWAEJgoR0TpxLFSc6CQNuM-Nog\" alt=\"semak harga insurans kereta dan tahu harga yang betul ketika renew insurans\"\/><\/figure>\n\n\n\n<p>Untuk makluman anda, mulai 1 Julai 2017, kadar <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium insurans kereta<\/a> bagi perlindungan jenis Komprehensif dan Pihak Ketiga, Kebakaran dan Kecurian Motor telah diliberalisasikan di mana harga premium ditentukan oleh penanggung insurans dan pengendali takaful masing-masing.\u00a0<\/p>\n\n\n\n<p>Langkah ini dilakukan seiring dengan pelaksanaan langkah Liberalisasi Tarif Insurans Motor oleh Bank Negara Malaysia (BNM).<\/p>\n\n\n\n<p>Susulan daripada langkah liberalisasi ini, lebih banyak faktor yang akan diambil kira bagi menentukan harga premium kenderaan oleh syarikat insurans dan pengendali Takaful.<\/p>\n\n\n\n<p>Antara faktor-faktor yang diambil kira termasuklah:<\/p>\n\n\n\n<ul><li>Nilai harga pasaran kereta<\/li><li>Tahun pembuatan kereta\u00a0<\/li><li>No-claim discount (NCD)<\/li><li>Jenis insurans kereta<\/li><li>Lokasi tempat tinggal<\/li><li>Rekod pemanduan<\/li><li>Pekerjaan pemilik kenderaan<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Semak_harga_insurans_kereta_%E2%80%93_Caj_tambahan_dalam_premium_asas_insurans_kereta\"><\/span>Semak harga insurans kereta &#8211; Caj tambahan dalam premium asas insurans kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Berikut merupakan jenis caj tambahan yang akan dikenakan di dalam premium asas insurans kereta anda:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Cukai_Jualan_dan_Perkhidmatan_SST\"><\/span>Cukai Jualan dan Perkhidmatan (SST)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kadar <em>standard<\/em> caj SST sebanyak 6% akan dikenakan di dalam premium asas insurans anda.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Duti_Setem\"><\/span>Duti Setem<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Caj duti setem sebanyak RM10 dikenakan di dalam pembelian insurans kereta sebelum jumlah akhir harga insurans dijana.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Perlindungan_tambahan\"><\/span>Perlindungan tambahan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Anda akan dikenakan bayaran atau caj tambahan pada premium asas jika membeli sebarang perlindungan tambahan di dalam polisi insurans anda. Contohnya, anda ingin mendapatkan perlindungan tambahan untuk cermin kereta ataupun perlindungan peril khas, dan lain-lain.&nbsp;<\/p>\n\n\n\n<p>Kebiasaannya, caj atau harga bagi setiap perlindungan tambahan yang anda ingin miliki untuk kenderaan adalah berbeza-beza. Semakin banyak perlindungan tambahan yang anda dapatkan, semakin mahal premium insurans anda.\u00a0<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Komisyen_jika_membeli_dengan_ejen\"><\/span>Komisyen (jika membeli dengan ejen)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Anda perlu membayar komisyen dalam jumlah tertentu (contohnya RM20)&nbsp;jika membeli insurans melalui ejen. Caj ini bagi membayar perkhidmatan ejen anda menguruskan pembelian insurans serta roadtax bagi pihak anda. Bagaimanapun, caj ini tidak akan dikenakan jika anda membeli insurans secara online.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_harga_insurans_kereta_dikira\"><\/span>Cara harga insurans kereta dikira<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bagi memudahkan pemahaman anda, di bawah ini merupakan formula asas untuk mengira harga insurans kereta:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh5.googleusercontent.com\/tKGe2g5ePQ5iBqCXNZuGf2g4ZobcHFf09Xo5bKEBsfyCU5_XSpbGg0ZlJJ6MEa-K4ya0opkMR_dUF-X92gcTkG-wqsdu_BhwWKMzJtEYytD_SCIw-pDEzTO6LNISh57cL8qXRIpe_CrOe7Bfx1SOBBwrCIyD5MjZQUNzwhjjNgN7WLKpFQZv_f43pw\" alt=\"cara harga insurans kereta dikira\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh4.googleusercontent.com\/cJR7lFSwWkk00aAQ7VD3ODdOh9xa_SyEMLBir7po_usLcWBkt8K9FkXgGrKWm71GzglyFnpKpkh_ImhbCLL24nzzLgpjRKDzLsw8i3IOV4Q3CfjmaqWJcNCej_NsAs7ACU_c43yomntSD2AGySWSGALE1RZmUevvbVs7kWKoiS7-Ho4sK0vfOfVhZQ\" alt=\"semak harga insurans kereta - pengiraan asas harga insurans kereta\"\/><\/figure>\n\n\n\n<p><em>Contoh pengiraan harga insurans untuk Perodua Myvi dengan jumlah perlindungan sebanyak RM31,000<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Keliru_nak_renew_insurans_Buat_online_di_Bjak\"><\/span>Keliru nak renew insurans? Buat online di Bjak<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sekiranya anda masih belum begitu arif cara untuk memperbaharui insurans, jangan risau. Lakukan sahaja secara online di Bjak. Anda juga boleh tanyakan segala persoalan anda kepada pasukan khidmat pelanggan kami bagi mendapatkan kepastian, termasuklah bagaimana untuk check harga insuran kereta.<\/p>\n\n\n\n<p>Di Bjak, anda juga boleh membandingkan dengan lebih 10 pilihan jenama insurans yang ada bagi mendapatkan insurans pada harga terendah dengan pelan terbaik. Ingat, meskipun anda memilih pelan yang sama, setiap syarikat insurans akan menawarkan harga dan manfaat yang berbeza. Jadi, buat dahulu perbandingan sebelum membeli insurans anda 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&nbsp;<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda\">sebut harga percuma<\/a>&nbsp;di 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-black-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=4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda\">Renew Insurans 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-dapat-insurans-harga-rendah\/\">Cara Dapat Insurans Harga Rendah<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/nak-renew-insurans-untuk-kereta-lama-ini-yang-anda-kena-tahu\/\">Nak Renew Insurans untuk Kereta Lama? Ini yang Anda Kena Tahu<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/#Insurans_komprehensif\">Panduan Lengkap Insurans Kereta<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Terdapat beberapa caj tambahan yang dikenakan di dalam harga insurans kereta anda. Sila fahaminya untuk mengelakkan kekeliruan.<\/p>\n","protected":false},"author":4,"featured_media":34752,"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":[26,664,243,248],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Semak Harga Insurans Kereta - 4 Caj Tambahan Dalam Premium Asas<\/title>\n<meta name=\"description\" content=\"Semak harga insurans kereta dan kenalpasti beberapa caj tambahan yang dikenakan di dalam premium asas bagi mengelakkan kekeliruan.\" \/>\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\/4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Semak Harga Insurans Kereta - 4 Caj Tambahan Dalam Premium Asas\" \/>\n<meta property=\"og:description\" content=\"Semak harga insurans kereta dan kenalpasti beberapa caj tambahan yang dikenakan di dalam premium asas bagi mengelakkan kekeliruan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/4-jenis-caj-tambahan-yang-akan-dikenakan-dalam-premium-asas-insurans-kereta-anda\" \/>\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=\"2022-09-06T07:18:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-19T06:49:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-06-15.10.53.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=\"4 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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