{"id":35434,"date":"2022-11-24T13:45:28","date_gmt":"2022-11-24T05:45:28","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=35434"},"modified":"2023-07-02T14:11:13","modified_gmt":"2023-07-02T06:11:13","slug":"premium-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/premium-insurans","title":{"rendered":"Soalan Lazim Mengenai \u2018Premium\u2019 Dalam Insurans Kereta"},"content":{"rendered":"\n<p>Salah satu istilah yang paling kerap dijumpai di dalam polisi insurans kereta adalah \u2018premium&#8217;. Ia digunakan berulang kali dan istilah ini digunakan apabila merujuk kepada pembelian insurans.<\/p>\n\n\n\n<p>Untuk pemilik kereta baru yang masih belum pernah <a href=\"https:\/\/bjak.my\/blog\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/\">renew insurans kereta<\/a> khususnya, istilah premium ini mungkin masih asing kepada anda. Jadi, apa kata anda teruskan membaca perkongsian di bawah ini untuk mengetahui dengan lebih lanjut mengenai premium atau harga insurans.\u00a0<\/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=premium-insurans\">Renew 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-69e0dd007bef3\" 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-69e0dd007bef3\"><\/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\/premium-insurans\/#Apakah_yang_dimaksudkan_dengan_%E2%80%98premium%E2%80%99\" title=\"Apakah yang dimaksudkan dengan \u2018premium\u2019?\u00a0\">Apakah yang dimaksudkan dengan \u2018premium\u2019?\u00a0<\/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\/premium-insurans\/#Bilakah_anda_perlu_membayar_premium_insurans\" title=\"Bilakah anda perlu membayar premium insurans?\">Bilakah anda perlu membayar premium insurans?<\/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\/premium-insurans\/#Apakah_formula_atau_cara_mengira_harga_insurans_kereta\" title=\"Apakah formula atau cara mengira harga insurans kereta?\">Apakah formula atau cara mengira harga 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\/premium-insurans\/#Apakah_maksud_kadar_asas_dalam_polisi_insurans_saya\" title=\"Apakah maksud kadar asas dalam polisi insurans saya?\">Apakah maksud kadar asas dalam polisi insurans saya?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/premium-insurans\/#Apakah_maksud_kadar_kasar_dalam_polisi_insurans_saya\" title=\"Apakah maksud kadar kasar dalam polisi insurans saya?\">Apakah maksud kadar kasar dalam polisi insurans saya?<\/a><\/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\/premium-insurans\/#Siapakah_yang_akan_menentukan_harga_insurans_saya\" title=\"Siapakah yang akan menentukan harga insurans saya?\">Siapakah yang akan menentukan harga insurans saya?<\/a><\/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\/premium-insurans\/#Apakah_faktor-faktor_yang_akan_menentukan_premium_insurans_kereta_saya_mahal_atau_murah\" title=\"Apakah faktor-faktor yang akan menentukan premium insurans kereta saya mahal atau murah?\">Apakah faktor-faktor yang akan menentukan premium insurans kereta saya mahal atau murah?<\/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\/premium-insurans\/#Apa_jadi_jika_saya_tidak_membayar_premium_insurans_kereta_saya\" title=\"Apa jadi jika saya tidak membayar premium insurans kereta saya?\">Apa jadi jika saya tidak membayar premium insurans kereta saya?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/premium-insurans\/#Apakah_tips_untuk_saya_mendapatkan_premium_insurans_kereta_yang_lebih_rendah\" title=\"Apakah tips untuk saya mendapatkan premium insurans kereta yang lebih rendah?\">Apakah tips untuk saya mendapatkan premium insurans kereta yang lebih rendah?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_yang_dimaksudkan_dengan_%E2%80%98premium%E2%80%99\"><\/span>Apakah yang dimaksudkan dengan \u2018premium\u2019?\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara mudahnya, premium merujuk kepada sejumlah wang yang dicaj oleh syarikat insurans kepada anda untuk polisi insurans yang anda pilih untuk dibeli. Sebagai balasannya, mereka akan memberi anda perlindungan sekiranya berlaku kemalangan atau kecurian kereta seperti yang dinyatakan dalam polisi.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bilakah_anda_perlu_membayar_premium_insurans\"><\/span>Bilakah anda perlu membayar premium insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda tertakluk untuk membayar <a href=\"https:\/\/bjak.my\/blog\/premium-insurans-kereta-meningkat-mahal\/\">premium insurans kereta<\/a> mengikut tempoh yang ditetapkan oleh syarikat insurans. Kebanyakan syarikat insurans membenarkan anda memilih untuk membayarnya bagi tempoh satu tahun perlindungan. Walau bagaimanapun, anda boleh menyemak dengan syarikat insurans anda bagi kepastian lanjut kerana ada juga yang membolehkan anda untuk membayar bagi perlindungan selama 6 bulan sahaja.\u00a0<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_formula_atau_cara_mengira_harga_insurans_kereta\"><\/span>Apakah formula atau cara mengira harga insurans kereta?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Formula asas untuk mengira <a href=\"https:\/\/bjak.my\/blog\/cara-check-harga-insuran-kereta\/\">harga insurans kereta<\/a> adalah seperti di bawah:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh6.googleusercontent.com\/arOeAp0IOVXD5iJaavoB4_BCs8R-PY_fcluSz6z1pSYRKkwJMUTZ-qhc_ilkQ0su-mnmF9s5N1uAUY2bcQpXZqw9CHKNL_b9r0m00LQ8TxhU-evG2NKXi4DmbHC8w0Ae0qFviVGB2FTQmWoL6EBegv97dhfvMLe0FRl1vYSR5IWdFJEvnpaiBrDrjUy97Q\" alt=\"\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh3.googleusercontent.com\/_6T6IKdwAQNHslIDu5-CiTZOPeXiSjqyclzBsZkTX8aiLQ0YjC6vecFjsE16s6y99-i6rUVBeWY0OXkjXVOi6qeA6FiQ5F-tcn1-brhSn7-3z3tX6RXIT9MDTxOCWXlt0ofe0oxv7y-Tqq8GVTvh2P3f_25eZX022x8EE3w5RfK4Gx8cgJj_HXnn4sQH8w\" alt=\"\"\/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_maksud_kadar_asas_dalam_polisi_insurans_saya\"><\/span>Apakah maksud kadar asas dalam polisi insurans saya?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kadar asas merujuk kepada sebahagian daripada premium standard untuk komisen ejen dan kos pentadbiran.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_maksud_kadar_kasar_dalam_polisi_insurans_saya\"><\/span>Apakah maksud kadar kasar dalam polisi insurans saya?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Berbeza dengan kadar asas, kadar kasar pula bermaksud jumlah premium insurans sebelum menambah caj cuti setem, caj perkhidmatan dan perlindungan tambahan yang dipilih.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Siapakah_yang_akan_menentukan_harga_insurans_saya\"><\/span>Siapakah yang akan menentukan harga insurans saya?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebenarnya, 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:<\/p>\n\n\n\n<p>i) kemungkinan risiko dan bahaya serta;<\/p>\n\n\n\n<p>&nbsp;ii) kos yang berkaitan dengan kejadian bencana atau tuntutan<\/p>\n\n\n\n<p>Dari situlah, harga insurans anda akan ditentukan dan kemudiannya diberikan kepada anda.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_faktor-faktor_yang_akan_menentukan_premium_insurans_kereta_saya_mahal_atau_murah\"><\/span>Apakah faktor-faktor yang akan menentukan premium insurans kereta saya mahal atau murah?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Berikut merupakan beberapa faktor yang mungkin dipertimbangkan oleh syarikat insurans anda semasa menetapkan kos insurans anda:<\/p>\n\n\n\n<ul><li>Jenis insurans\/ polisi yang anda pilih<\/li><li>Lokasi anda<\/li><li>Pekerjaan anda<\/li><li>Nilai harga pasaran kereta anda<\/li><li>Tahun pembuatan kereta anda<\/li><li>Rekod pemanduan anda<\/li><li>No-claim discount (NCD) anda<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_jadi_jika_saya_tidak_membayar_premium_insurans_kereta_saya\"><\/span>Apa jadi jika saya tidak membayar premium insurans kereta saya?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Akibatnya mudah sahaja:<\/p>\n\n\n\n<ul><li>Anda tidak boleh memperbaharui cukai jalan<\/li><li>Akan dikenakan saman jika dikesan memandu tanpa insurans dan roadtax yang sah<\/li><li>Anda akan terbeban dengan masalah kewangan jika kemalangan berlaku ketika anda sedang memandu kerana tidak dilindungi oleh insurans<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_tips_untuk_saya_mendapatkan_premium_insurans_kereta_yang_lebih_rendah\"><\/span>Apakah tips untuk saya mendapatkan premium insurans kereta yang lebih rendah?<span class=\"ez-toc-section-end\"><\/span><\/h2>\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 polisi insurans kereta<\/li><\/ul>\n\n\n\n<p>Semoga perkongsian ini membantu 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=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=premium-insurans\">Renew 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\/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?&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><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ada yang masih belum faham mengenai premium insurans kereta? Jom baca artikel ini untuk ketahui dengan lebih lanjut mengenainya. <\/p>\n","protected":false},"author":4,"featured_media":35437,"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":[26,243,1872,248],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Soalan Lazim Mengenai \u2018Premium\u2019 Dalam Insurans Kereta<\/title>\n<meta name=\"description\" content=\"Ada yang masih belum faham mengenai premium insurans kereta? 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