{"id":35515,"date":"2023-01-04T11:32:46","date_gmt":"2023-01-04T03:32:46","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=35515"},"modified":"2023-08-08T15:35:34","modified_gmt":"2023-08-08T07:35:34","slug":"mengenai-waiver-of-betterment-dalam-polisi-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/mengenai-waiver-of-betterment-dalam-polisi-insurans-kereta","title":{"rendered":"Mengenai &#8216;Waiver of Betterment&#8217; Dalam Polisi Insurans Kereta"},"content":{"rendered":"\n<p>Pernahkah anda terjumpa dengan terma \u2018Waiver of Betterment\u2019 ketika sedang menyemak <a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">polisi insurans kereta<\/a>? Apakah yang dimaksudkan dengan <em>waiver of betterment<\/em> ini?\u00a0Bagaimana ia boleh membantu anda dan kenderaan khususnya ketika ingin membuat tuntutan insurans?<\/p>\n\n\n\n<p>Bagi menjawab persoalan-persoalan anda itu, apa kata anda teruskan membaca artikel ini untuk mengetahui dengan lebih lanjut mengenainya. <\/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-69e0f95256d1c\" 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-69e0f95256d1c\"><\/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\/mengenai-waiver-of-betterment-dalam-polisi-insurans-kereta\/#Waiver_of_betterment\" title=\"Waiver of betterment\">Waiver of betterment<\/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\/mengenai-waiver-of-betterment-dalam-polisi-insurans-kereta\/#Definisi_waiver_of_betterment\" title=\"Definisi waiver of betterment \">Definisi waiver of betterment <\/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\/mengenai-waiver-of-betterment-dalam-polisi-insurans-kereta\/#Apakah_kepentingan_mendapatkan_perlindungan_tambahan_waiver_of_betterment\" title=\"Apakah kepentingan mendapatkan perlindungan tambahan waiver of betterment?\">Apakah kepentingan mendapatkan perlindungan tambahan waiver of betterment?<\/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\/mengenai-waiver-of-betterment-dalam-polisi-insurans-kereta\/#Siapakah_yang_boleh_mendapatkan_perlindungan_tambahan_waiver_of_betterment\" title=\"Siapakah yang boleh mendapatkan perlindungan tambahan waiver of betterment?\">Siapakah yang boleh mendapatkan perlindungan tambahan waiver of betterment?<\/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\/mengenai-waiver-of-betterment-dalam-polisi-insurans-kereta\/#Bagaimananakah_anda_boleh_mendapatkan_perlindungan_tambahan_waiver_of_betterment\" title=\"Bagaimananakah anda boleh mendapatkan perlindungan tambahan waiver of betterment?\">Bagaimananakah anda boleh mendapatkan perlindungan tambahan waiver of betterment?<\/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\/mengenai-waiver-of-betterment-dalam-polisi-insurans-kereta\/#Berapakah_yang_perlu_dibayar_untuk_perlindungan_tambahan_waiver_of_betterment\" title=\"Berapakah yang perlu dibayar untuk perlindungan tambahan waiver of betterment?\">Berapakah yang perlu dibayar untuk perlindungan tambahan waiver of betterment?<\/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\/mengenai-waiver-of-betterment-dalam-polisi-insurans-kereta\/#Syarikat_insurans_yang_menawarkan_perlindungan_tambahan_waiver_of_betterment\" title=\"Syarikat insurans yang menawarkan perlindungan tambahan waiver of betterment\">Syarikat insurans yang menawarkan perlindungan tambahan waiver of betterment<\/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\/mengenai-waiver-of-betterment-dalam-polisi-insurans-kereta\/#Contoh_cara_pengiraan_untuk_waiver_of_betterment_bagi_MSIG\" title=\"Contoh cara pengiraan untuk waiver of betterment bagi MSIG\">Contoh cara pengiraan untuk waiver of betterment bagi MSIG<\/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\/mengenai-waiver-of-betterment-dalam-polisi-insurans-kereta\/#Adakah_berbaloi_mendapatkan_perlindungan_tambahan_waiver_of_betterment\" title=\"Adakah berbaloi mendapatkan perlindungan tambahan waiver of betterment?\">Adakah berbaloi mendapatkan perlindungan tambahan waiver of betterment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/mengenai-waiver-of-betterment-dalam-polisi-insurans-kereta\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Waiver_of_betterment\"><\/span>Waiver of betterment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Selepas terlibat dalam kemalangan jalan raya, antara perkara yang akan menjadi kebimbangan pemilik kenderaan adalah kondisi kereta selepas dibaik pulih. Adakah ia akan berada di tahap terbaik seperti sebelum ini, atau sebaliknya.&nbsp;<\/p>\n\n\n\n<p>Pada kebiasaannya, kereta yang pernah terlibat dalam kemalangan mungkin berisiko untuk mengalami kerosakan lain pada masa akan datang, bergantung pada masa. Ini kerana, ketika membaik pulih, kebanyakan perlindungan insurans hanya menanggung kos bagi penggunaan alat ganti terpakai (bagi kenderaan berusia 5 tahun ke atas).<\/p>\n\n\n\n<p>Jadi, satu-satunya cara untuk menyelesaikan perkara ini adalah dengan menggunakan alat ganti yang baru ketika pembaikan kereta. <strong>Bagaimanapun untuk menggunakan alat ganti baru, ia bukanlah percuma dan terdapat caj akan dikenakan<\/strong>, yang mana ia dipanggil sebagai betterment.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><br><\/p>\n\n\n\n<figure class=\"wp-block-pullquote has-border-color\" style=\"border-color:#abb8c3\"><blockquote><p>Betterment &#8211; kos tambahan yang pemegang polisi perlu tanggung untuk alat ganti baru semasa membuat tuntutan di pusat servis jenama kenderaan mereka<\/p><\/blockquote><\/figure>\n\n\n\n<p>Namun terdapat cara untuk mengecualikan anda daripada dikenakan caj betterment ini iaitu dengan mempunyai <strong>perlindungan tambahan waiver of betterment<\/strong> di dalam polisi insurans anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Definisi_waiver_of_betterment\"><\/span>Definisi waiver of betterment <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Polisi insurans komprehensif sememangnya merangkumi kos pembaikan kereta akibat kemalangan. Namun untuk pemegang polisi<strong> bagi kereta berumur 5 tahun ke atas, caj betterment akan dikenakan sekiranya alat ganti baru diperlukan dalam pembaikan kereta <\/strong>mengikut skala berikut:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"12701\" data-permalink=\"https:\/\/bjak.my\/blog\/35998\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/35998.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;1&quot;}\" data-image-title=\"35998\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/35998.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/35998.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/35998.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kadar caj betterment\" class=\"wp-image-12701\" title=\"Kadar caj betterment\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/35998.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/35998.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/35998.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/35998.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/35998.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><strong>Contoh: <\/strong><\/p>\n\n\n\n<p>Sekiranya jumlah alat ganti baru yang anda tukar bernilai RM3000.00 dan kereta anda pula telah berusia 10 tahun, maka anda perlu mengeluarkan wang anda sendiri sebanyak RM1200.00 (40%) manakala RM1800.00 (60%) lagi akan ditanggung oleh pihak insurans. Kos tambahan ini adalah hanya untuk barang alat ganti sahaja dan tidak termasuk kos upah. <\/p>\n\n\n\n<p>Jadi dengan adanya perlindungan tambahan waiver of betterment, anda akan dikecualikan untuk membayar caj betterment terhadap alat ganti baru tersebut kepada syarikat insurans, yang secara tidak langsung membantu menjimatkan wang anda.<\/p>\n\n\n\n<p>Bagaimanapun, perlindungan tambahan ini hanya layak kepada kenderaan yang berusia 5 hingga 10 tahun sahaja (berbeza mengikut syarikat insurans). <\/p>\n\n\n\n<p><strong>Fahami lebih lanjut<\/strong> <strong>menerusi contoh di bawah:<\/strong><\/p>\n\n\n\n<p>Kereta anda yang berusia 7 tahun terlibat dalam kemalangan sehingga memberi kerosakan teruk pada pintu bahagian pemandu dan menyebabkan ia perlu diganti dengan pintu yang lain.&nbsp;<\/p>\n\n\n\n<p>Dengan waiver of betterment, bengkel panel insurans anda akan menggantikan pintu yang baru untuk kereta anda dan bukannya pintu terpakai. Anda juga tidak akan dikenakan caj betterment untuk alat ganti yang baru itu.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_kepentingan_mendapatkan_perlindungan_tambahan_waiver_of_betterment\"><\/span>Apakah kepentingan mendapatkan perlindungan tambahan waiver of betterment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebagai pemilik kereta, anda mungkin memerlukan perlindungan tambahan ini bagi memberi jaminan kepada kualiti baik pulih kenderaan anda ketika dibaiki di pusat servis. Dengan waiver of betterment, anda boleh mendapatkan alat ganti yang baru berbanding <em>second-hand<\/em>. Barang-barang yang akan digunakan juga adalah terus dari kilang dan bukannnya diambil daripada kereta lain yang sudah tidak digunakan lagi.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Siapakah_yang_boleh_mendapatkan_perlindungan_tambahan_waiver_of_betterment\"><\/span>Siapakah yang boleh mendapatkan perlindungan tambahan waiver of betterment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"9601\" data-permalink=\"https:\/\/bjak.my\/blog\/211105_bjakblog_athirah_a297-01-04\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-04.png?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=\"211105_BjakBlog_Athirah_A297-01-04\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-04.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-04.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-04.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Usia kenderaan yang layak untuk mendapatkan perlindungan tambahan waiver of betterment\" class=\"wp-image-9601\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-04.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-04.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-04.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-04.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-04.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p style=\"font-size:14px\">*Usia untuk kenderaan yang layak mendapatkan perlindungan tambahan waiver of betterment ini bagaimanapun berbeza mengikut syarikat insurans kerana ada syarikat yang menetapkan had usia 5 hingga 15 tahun.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimananakah_anda_boleh_mendapatkan_perlindungan_tambahan_waiver_of_betterment\"><\/span>Bagaimananakah anda boleh mendapatkan perlindungan tambahan waiver of betterment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Perlindungan tambahan ini disediakan oleh syarikat insurans tertentu dan anda boleh membelinya secara mudah ketika memperbaharui insurans dengan pelan komprehensif.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapakah_yang_perlu_dibayar_untuk_perlindungan_tambahan_waiver_of_betterment\"><\/span>Berapakah yang perlu dibayar untuk perlindungan tambahan waiver of betterment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara amnya, premium untuk perlindungan tambahan ini adalah sebanyak RM100 dan ke atas setahun bergantung kepada usia dan jumlah yang diinsuranskan bagi kenderaan.<\/p>\n\n\n\n<p>Bagaimanapun, premiumnya mungkin berbeza mengikut ketetapan syarikat insurans masing-masing.&nbsp;<\/p>\n\n\n\n<p>Di bawah ini merupakan contoh premium untuk perlindungan tambahan waiver of betterment bagi syarikat insurans MSIG:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"9602\" data-permalink=\"https:\/\/bjak.my\/blog\/211105_bjakblog_athirah_a297-01-05\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-05.png?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=\"211105_BjakBlog_Athirah_A297-01-05\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-05.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-05.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-05.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Contoh bayaran premium untuk perlindungan tambahan waiver of betterment bagi MSIG\" class=\"wp-image-9602\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-05.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-05.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-05.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-05.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-05.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Syarikat_insurans_yang_menawarkan_perlindungan_tambahan_waiver_of_betterment\"><\/span>Syarikat insurans yang menawarkan perlindungan tambahan waiver of betterment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk pengetahuan anda, tidak semua syarikat insurans menawarkan perlindungan tambahan ini di dalam polisi komprehensif mereka.<\/p>\n\n\n\n<p>Hanya sesetengah syarikat insurans sahaja yang menawarkan perlindungan tambahan ini seperti:<\/p>\n\n\n\n<ul><li>Syarikat Insurans Allianz<\/li><li>Syarikat Insurans MSIG<\/li><li>Syarikat Insurans AXA Affin<\/li><li>Syarikat Insurans Kurnia<\/li><li>Syarikat Insurans Berjaya Sompo<\/li><li>Syarikat Insurans Zurich\u00a0<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Contoh_cara_pengiraan_untuk_waiver_of_betterment_bagi_MSIG\"><\/span>Contoh cara pengiraan untuk waiver of betterment bagi MSIG<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jom lihat contoh cara pengiraan untuk kos bagi alat ganti baru dengan perlindungan tambahan waiver of betterment bagi syarikat insurans MSIG seperti di bawah:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"9603\" data-permalink=\"https:\/\/bjak.my\/blog\/211105_bjakblog_athirah_a297-01-06\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-06.png?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=\"211105_BjakBlog_Athirah_A297-01-06\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-06.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-06.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-06.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Contoh cara pengiraan kos alat ganti baru dengan perlindungan tambahan ini\" class=\"wp-image-9603\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-06.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-06.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-06.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-06.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A297-01-06.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_berbaloi_mendapatkan_perlindungan_tambahan_waiver_of_betterment\"><\/span>Adakah berbaloi mendapatkan perlindungan tambahan waiver of betterment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jawapan kami adalah YA!<\/p>\n\n\n\n<p>Ini sebabnya.<\/p>\n\n\n\n<p>Seperti yang diperjelaskan tadi, apabila kereta anda yang berusia lebih daripada 5 tahun terlibat dalam kemalangan dan dihantar ke bengkel panel untuk pembaikan, anda hanya layak untuk mendapat alat ganti <em>second-hand<\/em> atau terpakai bagi menggantikan bahagian yang rosak.&nbsp;<\/p>\n\n\n\n<p>Ia sedikit sebanyak merugikan anda kerana kereta anda berisiko untuk mengalami kerosakan pada masa akan datang kesan daripada alat ganti terpakai tersebut berbanding jika menggunakan alat ganti yang baru. Dengan perlindungan tambahan ini, anda boleh mendapatkan alat ganti yang baru tanpa perlu membayar sebarang caj tambahan, dan secara tidak langsung menjamin kereta anda untuk berada di kondisi yang lebih baik.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span>Kesimpulan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika kereta anda berusia lebih 5 tahun ke atas, anda boleh mempertimbangkan untuk mengambil perlindungan tambahan ini. Selain dapat mengekalkan kondisi kereta anda ke tahap yang optima, anda juga boleh menjimatkan wang daripada perlu menanggung sebarang kos untuk pembaikan.<\/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=mengenai-waiver-of-betterment-dalam-polisi-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=mengenai-waiver-of-betterment-dalam-polisi-insurans-kereta\">Renew Insurans Terbaik<\/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-anda-benar-benar-perlukan-6-perlindungan-tambahan-ini-ketika-renew-insurans-kereta\/\">Adakah Anda Benar-Benar Perlukan 6 Perlindungan Tambahan Ini Ketika Renew Insurans Kereta?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/sebab-tuntutan-insurans-anda-ditolak\/#Kerosakan_akibat_rusuhan\">Sebab Tuntutan Insurans Kereta Anda Ditolak<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/apa-itu-betterment-untuk-insurans-kenderaan\/\">Apa Itu Betterment untuk Insurans Kenderaan?<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Tahu lebih lanjut mengenai perlindungan tambahan waiver of betterment di dalam polisi insurans kereta anda.<\/p>\n","protected":false},"author":4,"featured_media":35519,"comment_status":"closed","ping_status":"open","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 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mengenai &#039;Waiver of Betterment&#039; 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