{"id":35257,"date":"2022-10-26T14:06:37","date_gmt":"2022-10-26T06:06:37","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=35257"},"modified":"2023-08-08T14:28:32","modified_gmt":"2023-08-08T06:28:32","slug":"maksud-premium-dalam-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/maksud-premium-dalam-insurans-kereta","title":{"rendered":"Maksud Premium Insurans Kereta"},"content":{"rendered":"\n<p>Anda semua pasti sudah tahu, untuk mendapatkan perlindungan <a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-apa-yang-anda-perlu-tahu\/\">insurans kereta<\/a>, anda perlulah membayar sejumlah wang bagi harga yang telah ditetapkan oleh syarikat insurans anda itu. Dalam insurans, \u2018harga\u2019 itu biasanya lebih disebut atau dikenali sebagai \u2018premium\u2019 insurans kereta.<\/p>\n\n\n\n<p>Jika anda menyemak polisi anda, kemungkinan besar anda akan mendapati istilah premium ini digunakan berulang kali. Dalam insurans, istilah ini digunakan apabila merujuk kepada pembelian insurans.<\/p>\n\n\n\n<p>Jika anda masih baru dalam pembelian insurans, jangan risau. Sentiasa ada ruang untuk anda menambah baik dan mempelajari segala-galanya! Jom teruskan membaca artikel ini untuk ketahui dengan lebih lanjut mengenai salah satu istilah penting dalam insurans, iaitu \u2018premium\u2019.<\/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-69e5e34c77971\" 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-69e5e34c77971\"><\/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-premium-dalam-insurans-kereta\/#Apakah_itu_%E2%80%98premium%E2%80%99_insurans_kereta\" title=\"Apakah itu \u2018premium\u2019 insurans kereta?\">Apakah itu \u2018premium\u2019 insurans kereta?<\/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-premium-dalam-insurans-kereta\/#Bagaimana_premium_berfungsi\" title=\"Bagaimana premium berfungsi?\">Bagaimana premium berfungsi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/maksud-premium-dalam-insurans-kereta\/#Siapa_yang_menentukan_premium_insurans_kereta\" title=\"Siapa yang menentukan premium insurans kereta?\">Siapa yang menentukan premium insurans kereta?<\/a><\/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-premium-dalam-insurans-kereta\/#Apakah_faktor_yang_menentukan_premium_insurans\" title=\"Apakah faktor yang menentukan premium insurans?\">Apakah faktor yang menentukan premium insurans?<\/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\/maksud-premium-dalam-insurans-kereta\/#Jenis_insurans_kereta\" title=\"Jenis insurans kereta\">Jenis insurans kereta<\/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\/maksud-premium-dalam-insurans-kereta\/#Lokasi_anda\" title=\"Lokasi anda\">Lokasi anda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/maksud-premium-dalam-insurans-kereta\/#Pekerjaan\" title=\"Pekerjaan\">Pekerjaan<\/a><\/li><\/ul><\/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\/maksud-premium-dalam-insurans-kereta\/#Soalan_Lazim_FAQ_tentang_premium_insurans_kereta\" title=\"Soalan Lazim (FAQ) tentang premium insurans kereta\">Soalan Lazim (FAQ) tentang premium 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-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/maksud-premium-dalam-insurans-kereta\/#Bagaimana_anda_boleh_menurunkan_kadar_premium_insurans_anda\" title=\"Bagaimana anda boleh menurunkan kadar premium insurans anda?\">Bagaimana anda boleh menurunkan kadar premium insurans anda?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/maksud-premium-dalam-insurans-kereta\/#Apa_berlaku_jika_anda_tidak_membayar_premium_insurans_anda\" title=\"Apa berlaku jika anda tidak membayar premium insurans anda?\">Apa berlaku jika anda tidak membayar premium insurans anda?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_itu_%E2%80%98premium%E2%80%99_insurans_kereta\"><\/span>Apakah itu \u2018premium\u2019 insurans kereta?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara umumnya, premium merupakan sejumlah wang yang dicaj oleh syarikat insurans kepada anda untuk polisi insurans yang anda pilih untuk dibeli. Sebagai balasan, mereka akan memberi anda perlindungan sekiranya berlaku kemalangan atau kecurian kereta seperti yang dinyatakan dalam polisi.<\/p>\n\n\n\n<p>Anda tertakluk untuk membayar premium mengikut tempoh yang ditetapkan oleh syarikat insurans. Kebanyakan syarikat insurans membenarkan anda memilih antara membayar premium insurans kereta anda setiap enam bulan, atau setiap satu tahun. Walau bagaimanapun, anda boleh menyemak dengan syarikat insurans pilihan anda.<\/p>\n\n\n\n<p>Anda biasanya akan menemui premium kasar dan premium asas dalam polisi insurans anda.<\/p>\n\n\n\n<ul><li><strong>Premium kasar<\/strong> \u2013 Jumlah premium yang dibayar oleh pemilik polisi sebelum menolak caj \u2018broker\u2019 insurans dan diskaun<\/li><li><strong>Premium asas<\/strong> \u2013 Sebahagian daripada premium standard untuk komisen ejen dan kos pentadbiran.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_premium_berfungsi\"><\/span>Bagaimana premium berfungsi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara ringkasnya, <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=maksud-premium-dalam-insurans-kereta\">premium insurans kereta<\/a> biasanya mempunyai pengiraan asas. Kos premium insurans anda akan berbeza-beza bergantung pada jenis perlindungan yang anda cari, serta profil risiko anda.<\/p>\n\n\n\n<p>Itulah sebabnya anda digalakkan untuk membuat dahulu perbandingan insurans dengan beberapa buah syarikat bagi mendapatkan harga dan perlindungan terbaik.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Siapa_yang_menentukan_premium_insurans_kereta\"><\/span>Siapa yang menentukan premium insurans kereta?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Setiap syarikat insurans mempunyai pekerja yang bekerja dalam pelbagai bidang penilaian risiko.<\/p>\n\n\n\n<p>Sebagai contoh, mereka akan membuat penilaian berdasarkan i)<strong> kemungkinan risiko dan bahaya<\/strong> dan ii) <strong>kos yang berkaitan dengan kejadian bencana atau tuntutan<\/strong>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_faktor_yang_menentukan_premium_insurans\"><\/span>Apakah faktor yang menentukan premium insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk pengetahuan anda, pada 1 Julai 2017, Bank Negara Malaysia telah melaksanakan kadar atau tarif baharu bagi menentukan premium insurans kereta. Syarikat insurans dan Takaful dibenarkan untuk menentukan kadar premium berdasarkan beberapa faktor, seperti yang dinyatakan di atas. Liberalisasi untuk kadar premium terpakai kepada produk Komprehensif dan polisi Pihak Ketiga, Kebakaran dan Kecurian.<\/p>\n\n\n\n<p>Kadar premium anda bergantung pada perjanjian antara anda dan syarikat insurans. Setiap syarikat insurans mempunyai kadar premium yang berbeza kerana banyak faktor yang mereka pertimbangkan semasa menetapkan kadar premium insurans kereta. Berikut adalah beberapa faktor yang mungkin dipertimbangkan oleh syarikat insurans anda semasa menetapkan kos premium.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Jenis_insurans_kereta\"><\/span>Jenis insurans kereta<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/beza-insurans-1st-party-dengan-3rd-party\/\">Jenis insurans kereta<\/a> yang anda pilih juga mempengaruhi premium insurans kereta anda.<\/p>\n\n\n\n<p>Lebih banyak perlindungan yang anda ingin dapat, lebih tinggi premium insurans anda.<\/p>\n\n\n\n<p>Premium bagi polisi insurans komprehensif adalah lebih mahal berbanding insurans paling asas iaitu insurans pihak ketiga. Sementara itu, polisi pihak ketiga, kebakaran dan kecurian adalah lebih murah daripada insurans komprehensif namun lebih mahal daripada polisi pihak ketiga.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Lokasi_anda\"><\/span>Lokasi anda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Premium insurans untuk kereta di kawasan bandar adalah lebih tinggi berbanding premium untuk kereta di luar kawasan bandar.<\/p>\n\n\n\n<p>Selain itu, premium insurans kereta juga lebih tinggi untuk kereta di Barat atau Semenanjung Malaysia berbanding kereta di Malaysia Timur (Sabah dan Sarawak).<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Pekerjaan\"><\/span>Pekerjaan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika pekerjaan anda memerlukan anda untuk sering memandu ke kawasan berisiko tinggi seperti ke tapak pembinaan, premium insurans kereta anda mungkin lebih tinggi. Ini kerana penggunaan kereta anda mendedahkan kenderaan anda itu kepada risiko kemalangan dan kerosakan yang lebih tinggi.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Soalan_Lazim_FAQ_tentang_premium_insurans_kereta\"><\/span>Soalan Lazim (FAQ) tentang premium insurans kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Bagaimana_anda_boleh_menurunkan_kadar_premium_insurans_anda\"><\/span>Bagaimana anda boleh menurunkan kadar premium insurans anda?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Berikut adalah beberapa tips untuk mendapatkan insurans kereta yang lebih murah:<\/p>\n\n\n\n<ul><li>Elak auto-renew insurans anda<\/li><li>Perbaharui insurans kereta awal<\/li><li>Semak perlindungan insurans kereta<\/li><li>Bandingkan <a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">polisi insurans kereta<\/a><\/li><\/ul>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apa_berlaku_jika_anda_tidak_membayar_premium_insurans_anda\"><\/span>Apa berlaku jika anda tidak membayar premium insurans anda?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ini adalah akibat tidak membayar premium:<\/p>\n\n\n\n<ul><li>Tidak dapat memperbaharui cukai jalan<\/li><li>\u2018Peluang cerah\u2019 untuk dikenakan saman<\/li><li>Lebih terdedah kepada risiko dan terbeban dengan masalah kewangan jika berlaku sesuatu pada kenderaan.&nbsp;<\/li><\/ul>\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=maksud-premium-dalam-insurans-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=maksud-premium-dalam-insurans-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\/adakah-tabiat-memandu-anda-akan-memberi-kesan-kepada-premium-insurans\/\">Adakah Tabiat Memandu Anda Akan Memberi Kesan Kepada Premium Insurans?<\/a><\/li><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?\u00a0<\/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><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Premium merupakan sejumlah wang yang dicaj oleh syarikat insurans kereta kepada anda untuk polisi insurans yang anda pilih untuk dibeli.<\/p>\n","protected":false},"author":4,"featured_media":35261,"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":[26,243,248,465],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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