{"id":35073,"date":"2022-09-29T14:42:07","date_gmt":"2022-09-29T06:42:07","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=35073"},"modified":"2023-06-23T14:10:11","modified_gmt":"2023-06-23T06:10:11","slug":"bayar-insuran-kereta-adakah-tabiat-memandu-anda-akan-memberi-kesan-kepada-premium-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/bayar-insuran-kereta-adakah-tabiat-memandu-anda-akan-memberi-kesan-kepada-premium-insurans","title":{"rendered":"Bayar Insuran Kereta &#8211; Adakah Tabiat Memandu Memberi Kesan Pada Premium Insurans?"},"content":{"rendered":"\n<p>Sebelum nak renew dan <a href=\"https:\/\/bjak.my\/blog\/nak-bayar-ansuran-untuk-insurans-kereta-dengan-0-faedah-ini-caranya\/\">bayar insuran kereta<\/a>, anda perlu tahu mengenai beberapa perkara penting bagi mengelakkan kekeliruan dan berlakunya salah faham khususnya ketika ingin membuat tuntutan <a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-apa-yang-anda-perlu-tahu\/\">insurans kereta<\/a>.<\/p>\n\n\n\n<p>Untuk makluman anda, selepas pelaksanaan langkah Liberalisasi Tarif Insurans Motor oleh Bank Negara Malaysia (BNM) sejak 1 Julai 2017, kadar premium bagi perlindungan jenis Komprehensif dan polisi Pihak Ketiga, Kebakaran dan Kecurian Motor telah diliberalisasikan di mana harga <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium insurans kereta<\/a> ditentukan oleh penanggung insurans dan pengendali takaful masing-masing.\u00a0Ini bermakna, kerajaan (Bank Negara Malaysia) tidak lagi mengawal selia cara syarikat insurans mengenakan bayaran premium mereka.\u00a0<\/p>\n\n\n\n<p>Susulan daripada langkah liberalisasi ini juga, lebih banyak faktor yang akan diambil kira bagi menentukan premium insurans kenderaan oleh syarikat insurans dan pengendali Takaful. Ia termasuklah profil risiko pemandu &#8211; yang pada dasarnya mengambil kira risiko kemalangan serta kecurian yang mungkin ditimbulkan pemandu\/ pemilik kenderaan. Disebabkan itu, ada yang bayar insuran kereta lebih mahal, dan ada yang bayar lebih murah walaupun mempunyai kereta dengan model serta tahun pembuatan yang sama. <\/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=bayar-insuran-kereta-adakah-tabiat-memandu-anda-akan-memberi-kesan-kepada-premium-insurans\">Renew Insurans<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2>Adakah tabiat memandu akan mempengaruhi premium insurans anda?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"35077\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bayar-insuran-kereta-adakah-tabiat-memandu-anda-akan-memberi-kesan-kepada-premium-insurans\/attachment\/2022-09-29-14-29-59\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-29-14.29.59.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=\"2022-09-29-14.29.59\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-29-14.29.59.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-29-14.29.59.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\/09\/2022-09-29-14.29.59.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Tabiat memandu yang tidak berhemah boleh menaikkan kadar premium ketika bayar insuran kereta\" class=\"wp-image-35077\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-29-14.29.59.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-29-14.29.59.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-29-14.29.59.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-29-14.29.59.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-29-14.29.59.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Secara ringkasnya, ya, tabiat memandu anda akan mempengaruhi premium yang akan ditetapkan oleh syarikat insurans. Seperti yang dinyatakan tadi, faktor yang akan diambil kira oleh penyedia insurans dalam penentuan premium individu adalah profil risiko pemandu. Ini bermakna, semakin berisiko seseorang itu, semakin tinggi premium yang akan dikenakan.&nbsp;<\/p>\n\n\n\n<p>Jadi, meskipun anda dan individu B mempunyai model kereta yang sama dan memilih untuk menginsuranskannya dengan nilai\/ jumlah perlindungan yang sama, premium yang perlu dibayar oleh anda dan individu B tetap berbeza.&nbsp;<\/p>\n\n\n\n<p>Ini kerana, dalam proses penentuan premium insurans, anda akan diadili berdasarkan beberapa faktor, termasuklah cara pemanduan anda.<\/p>\n\n\n\n<ul><li><strong>Rekod tuntutan pemandu<\/strong><\/li><\/ul>\n\n\n\n<p>Jika anda kerap terlibat dalam kemalangan dan sering membuat tuntutan insurans pada tahun-tahun sebelum ini, maka anda mungkin akan dikenakan premium yang lebih tinggi kerana anda dianggap sebagai pemandu yang berisiko tinggi oleh syarikat insurans.&nbsp;<\/p>\n\n\n\n<ul><li><strong>Rekod kesalahan lalu lintas<\/strong><\/li><\/ul>\n\n\n\n<p>Sekiranya anda dikesan kerap melakukan kesalahan lalu lintas dan mempunyai rekod saman yang banyak, maka premium insurans yang dikenakan akan lebih tinggi. Ini kerana anda terdedah dengan lebih risiko yang disebabkan kecuaian\/ sikap diri sendiri, berbanding pemandu lain yang memandu dengan berhemah dan mematuhi peraturan jalan raya.&nbsp;<\/p>\n\n\n\n<h2>Jadi apa yang perlu dilakukan bagi mengelakkan anda bayar insuran kereta mahal?<\/h2>\n\n\n\n<p>Satu jawapan yang pasti adalah dengan menjaga tabiat memandu anda. Jika anda kerap memandu dengan gopoh, tidak berhati-hati sehingga kerap terbabit dalam kemalangan baik kemalangan kecil atau besar, sila ubah tabiat tersebut. Jadi seorang pemandu berhemah. Ia bukan sahaja boleh membantu anda dikategorikan sebagai pemandu berisiko rendah dan seterusnya mendapatkan premium yang lebih rendah, bahkan ia juga membantu menyelamatkan nyawa anda dan orang lain.<\/p>\n\n\n\n<p>Sudah tentu, kemalangan tidak dapat dijangka. Kadang-kala kita sudah berhati-hati, namun akibat kecuaian orang lain kita yang menjadi mangsa. Namun, jika bukan kesalahan anda tidak mengapa, anda boleh sahaja membuat tuntutan insurans tanpa menjejaskan profil anda.&nbsp;<\/p>\n\n\n\n<p>Tolak tepi dulu perkara itu, dan ubah sahaja tabiat pemanduan anda sendiri supaya anda lebih selamat di atas jalan.&nbsp;&nbsp;<\/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=bayar-insuran-kereta-adakah-tabiat-memandu-anda-akan-memberi-kesan-kepada-premium-insurans\">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=bayar-insuran-kereta-adakah-tabiat-memandu-anda-akan-memberi-kesan-kepada-premium-insurans\">Renew Insurans<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Baca juga:&nbsp;<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/risiko-pemandu-adakah-anda-pemandu-berisiko-tinggi-atau-rendah\/\">Risiko Pemandu: Adakah Anda Pemandu Berisiko Tinggi Atau Rendah?&nbsp;<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/5-perkara-yang-perlu-anda-tahu-sebelum-membuat-tuntutan-insurans\/\">5 Perkara Yang Perlu Anda Tahu Sebelum Membuat Tuntutan Insurans<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/kesilapan-yang-perlu-dielakkan-semasa-memfailkan-tuntutan-insurans-kemalangan-kereta\/\">Kesilapan Yang Perlu Dielakkan Semasa Memfailkan Tuntutan Insurans Kemalangan Kereta<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Tabiat memandu yang buruk akan menyebabkan premium insurans seseorang menjadi lebih mahal kerana dianggap sebagai pemandu berisiko tinggi oleh syarikat insurans.<\/p>\n","protected":false},"author":4,"featured_media":35078,"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 - 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