{"id":35672,"date":"2023-02-01T13:01:33","date_gmt":"2023-02-01T05:01:33","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=35672"},"modified":"2023-06-19T14:36:18","modified_gmt":"2023-06-19T06:36:18","slug":"11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami","title":{"rendered":"Contoh Polisi Insurans Kereta &#8211; Ini 11 Perkara Penting Dalam Polisi Perlu Anda Fahami"},"content":{"rendered":"\n<p><a href=\"https:\/\/bjak.my\/blog\/adakah-anda-benar-benar-perlukan-6-perlindungan-tambahan-ini-ketika-renew-insurans-kereta\/\">Renew insurans kereta<\/a> tanpa memahami apa yang terkandung dalam polisi insurans kereta sebenarnya boleh merugikan anda. Jika boleh, cuba cari <a href=\"https:\/\/bjak.my\/blog\/polisi-insurans-kereta-expired-apa-anda-kena-buat-seterusnya\/\">contoh polisi insurans kereta<\/a> yang pernah anda ada dan baca perkara-perkara penting yang terkandung di dalamnya. <\/p>\n\n\n\n<p>Sebenarnya, adalah amat penting untuk anda memahami satu persatu terma, syarat dan lain-lain supaya perlindungan yang terbaik dapat dipilih untuk kereta anda dan seterusnya memudahkan urusan tuntutan sekiranya memerlukan kelak.<\/p>\n\n\n\n<p>Jadi, sila teruskan membaca artikel ini untuk menambah pengetahuan anda mengenai maksud dan contoh apa yang biasanya terkandung di dalam polisi insurans kereta anda.<\/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=11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\">Renew Insurans Terbaik<\/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-69e00ce69ff5b\" 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-69e00ce69ff5b\"><\/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\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/#Jenis_perlindungan_insurans\" title=\"Jenis perlindungan insurans\">Jenis perlindungan insurans<\/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\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/#Perkara_yang_dilindungi\" title=\"Perkara yang dilindungi\">Perkara yang dilindungi<\/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\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/#Perkara_yang_tidak_dilindungi\" title=\"Perkara yang tidak dilindungi\">Perkara yang tidak dilindungi<\/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\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/#Tempoh_perlindungan\" title=\"Tempoh perlindungan&nbsp;\">Tempoh perlindungan&nbsp;<\/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\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/#Jumlah_yang_diinsuranskan\" title=\"Jumlah yang diinsuranskan\">Jumlah yang diinsuranskan<\/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\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/#Excess\" title=\"Excess\">Excess<\/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\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/#No_claim_discount_NCD_Diskaun_tanpa_tuntutan\" title=\"No claim discount (NCD)\/ Diskaun tanpa tuntutan\">No claim discount (NCD)\/ Diskaun tanpa tuntutan<\/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\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/#Perlindungan_tambahan\" title=\"Perlindungan tambahan\">Perlindungan tambahan<\/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\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/#Pemandu_dinamakan\" title=\"Pemandu dinamakan\">Pemandu dinamakan<\/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\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/#Premium_Asas_Premium_Kasar_dan_Premium_Akhir\" title=\"Premium Asas, Premium Kasar dan Premium Akhir\">Premium Asas, Premium Kasar dan Premium Akhir<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/#Endorsmen\" title=\"Endorsmen&nbsp;\">Endorsmen&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Jenis_perlindungan_insurans\"><\/span>Jenis perlindungan insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"8044\" data-permalink=\"https:\/\/bjak.my\/blog\/image-1_-jenis-jenis-polisi-insurans\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Jenis-jenis-polisi-insurans.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=\"Image-1_-Jenis-jenis-polisi-insurans\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Jenis-jenis-polisi-insurans.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Jenis-jenis-polisi-insurans.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Jenis-jenis-polisi-insurans-1024x1024.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Jenis-jenis polisi insurans\" class=\"wp-image-8044\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Jenis-jenis-polisi-insurans.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Jenis-jenis-polisi-insurans.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Jenis-jenis-polisi-insurans.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Jenis-jenis-polisi-insurans.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Jenis-jenis-polisi-insurans.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Pada kebiasaannya, terdapat tiga jenis perlindungan\/ polisi insurans yang ditawarkan oleh syarikat insurans iaitu:<\/p>\n\n\n\n<ul><li><strong>Polisi komprehensif <\/strong>&#8211; menawarkan perlindungan paling menyeluruh iaitu kepada pemegang polisi dan juga pihak ketiga. Turut dikenali sebagai insurans <em>1st party<\/em><\/li><li><strong>Polisi pihak ketiga, kecurian dan kebakaran<\/strong> &#8211; memberi perlindungan kepada kenderaan pemegang polisi dalam kejadian kecurian atau kebakaran yang tidak disengajakan. Ia turut melindungi pihak ketiga sekiranya berlaku kematian atau kecederaan akibat daripada kemalangan yang berpunca daripada anda.<\/li><li><strong>Polisi pihak ketiga<\/strong> &#8211; merupakan polisi paling asas dan hanya melindungi pihak ketiga sahaja. <\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perkara_yang_dilindungi\"><\/span>Perkara yang dilindungi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Perkara yang dilindungi merujuk kepada kejadian yang membolehkan anda untuk membuat tuntutan dan mendapat ganti rugi daripada syarikat insurans. Penting untuk anda mengetahui setiap perlindungan yang diberikan oleh syarikat insurans di bawah polisi anda supaya tidak timbul sebarang masalah atau salah faham ketika proses tuntutan.<\/p>\n\n\n\n<p>Sebagai contoh bagi perlindungan komprehensif, teliti dan fahamkan kejadian-kejadian yang membolehkan anda untuk mendapatkan pampasan bagi kerosakan\/ kerugian pada kenderaan anda. Lihat juga manfaat lain yang disediakan oleh syarikat insurans di dalam polisi anda supaya anda tidak kerugian.<\/p>\n\n\n\n<p>Contohnya, polisi komprehensif Takaful Malaysia ada menyediakan perlindungan untuk kemalangan peribadi secara percuma kepada pemandu dan penumpang sekiranya berlaku kemalangan membabitkan kematian atau kecacatan kekal berlaku ketika dalam perjalanan. Dengan manfaat ini, anda mungkin tidak perlu lagi mengambil perlindungan kemalangan peribadi yang lain dan menjimatkan wang.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perkara_yang_tidak_dilindungi\"><\/span>Perkara yang tidak dilindungi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6031\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-perlindungan-tambahan-peril-khas-bencana-alam\/attachment\/image-2-gambar-kereta-ditenggelami-banjir-gambar-kereta-dimasuki-air-banjir\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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=\"Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Anda hanya boleh membuat tuntutan kerosakan kereta akibat banjir jika ada mengambil perlindungan tambahan peril khas.\" class=\"wp-image-6031\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Polisi insurans anda tidak mungkin melindungi semua perkara yang berlaku terhadap kereta anda.&nbsp;<\/p>\n\n\n\n<p>Perkara atau kejadian yang tidak dilindungi merujuk kepada pengecualian-pengecualian yang tersenarai di dalam polisi insurans&nbsp;yang mana anda tidak akan dibayar kerugian untuk kejadian tersebut.&nbsp;<\/p>\n\n\n\n<p>Sebagai contoh kerosakan pada kenderaan anda akibat banjir. Jika anda tidak mengambil perlindungan tambahan peril khas, maka anda tidak boleh membuat tuntutan untuk sebarang kerosakan kerana ia tidak terkandung dalam perlindungan asas polisi insurans kereta komprehensif anda.<\/p>\n\n\n\n<p>Contoh kejadian lain adalah kerosakan pada tayar. Syarikat insurans tidak akan membayar ganti rugi untuk sebarang kerosakan pada tayar kecuali jika bahagian-bahagian lain kereta anda juga turut rosak pada masa yang sama.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tempoh_perlindungan\"><\/span>Tempoh perlindungan&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tempoh perlindungan insurans bermaksud tarikh kuatkuasa insurans yang dinyatakan sehingga tarikh luputnya untuk perlindungan insurans sepertimana yang dinyatakan di dalam polisi\/ jadual.&nbsp;<\/p>\n\n\n\n<p>Pada kebiasaannya, tempoh perlindungan untuk insurans kereta adalah selama satu tahun dan perlu diperbaharui pada setiap tahun selagi anda adalah pemilik kereta tersebut.<\/p>\n\n\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\">Contoh:<\/mark><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"8045\" data-permalink=\"https:\/\/bjak.my\/blog\/image-2_-this-example\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-This-example.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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=\"Image-2_-This-example\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-This-example.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-This-example.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-This-example-1080x608.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"Tempoh perlindungan untuk insurans kereta\" class=\"wp-image-8045\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-This-example.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-This-example.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-This-example.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-This-example.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-This-example.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Jumlah_yang_diinsuranskan\"><\/span>Jumlah yang diinsuranskan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5839\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/terma-penting-dalam-insurans-kereta\/attachment\/image-3_-perbandingan-market-value-vs-agreed-value\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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=\"Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Renew insurans mengikut nilai pasaran atau nilai yang dipersetujui\" class=\"wp-image-5839\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Jumlah yang diinsuranskan adalah jumlah maksimum kenderaan dapat diinsuranskan bersesuaian dengan nilai pasaran semasa kenderaan tersebut. Ia (jumlah yang diinsuranskan) akan menurun sebanyak 10% setiap tahun apabila harga kereta menurun atau mengikut harga pasaran kereta.<\/p>\n\n\n\n<p>Ketika memperbaharui insurans, anda boleh memilih untuk menginsuranskan kenderaan mengikut nilai pasaran atau nilai yang dipersetujui.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Excess\"><\/span>Excess<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Excess adalah amaun pertama yang anda perlu tanggung sendiri bagi setiap tuntutan yang diluluskan oleh syarikat insurans, walaupun kejadian itu bukan kesalahan anda. <\/p>\n\n\n\n<p>Walau bagaimanapun, excess tidak akan dikenakan jika kerugian atau kerosakan yang dialami adalah akibat daripada kebakaran, letupan, disambar kilat, pecah masuk, pecah rumah, kecurian, kerosakan harta pihak ketiga atau tuntutan kecederaan tubuh badan pihak ketiga.&nbsp;<\/p>\n\n\n\n<p>Tahu lebih lanjut mengenai excess melalui artikel yang telah dikongsikan sebelum ini. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"No_claim_discount_NCD_Diskaun_tanpa_tuntutan\"><\/span>No claim discount (NCD)\/ Diskaun tanpa tuntutan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika anda telah melindungi kereta anda selama 12 bulan secara berterusan dan anda atau sesiapa sahaja yang lain tidak pernah membuat sebarang tuntutan terhadap polisi dalam tempoh tersebut, suatu diskaun NCD akan diberikan setiap kali insurans anda diperbaharui.&nbsp;<\/p>\n\n\n\n<p>Kadar <a href=\"https:\/\/bjak.my\/blog\/tukar-ncd-kepada-kereta-lain\/\">NCD insuran kereta<\/a> akan meningkat setiap tahun insurans diperbaharui selagi anda tidak membuat tuntutan mengikut peratusan yang telah ditetapkan. <\/p>\n\n\n\n<p>NCD adalah hak peribadi anda dan ini bermakna anda juga boleh memindahkan NCD anda daripada kereta lama ke kereta baru.&nbsp;<\/p>\n\n\n\n<p>Lihat cara-cara memindahkan NCD dalam artikel sebelum ini.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_tambahan\"><\/span>Perlindungan tambahan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5837\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/terma-penting-dalam-insurans-kereta\/attachment\/image-2-jenis-jenis-perlindungan-tambahan\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.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=\"Image-2-Jenis-jenis-Perlindungan-tambahan-\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan--1024x1024.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Jenis-jenis perlindungan tambahan yang sering ditawarkan oleh syarikat insurans dan takaful\" class=\"wp-image-5837\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Perlindungan tambahan adalah perlindungan yang tidak dimasukkan dalam \u2018perlindungan asas\u2019 polisi ketika memperbaharui insurans.<\/p>\n\n\n\n<p>Antara jenis-jenis perlindungan tambahan yang sering ditawarkan oleh syarikat insurans adalah:<\/p>\n\n\n\n<ul><li>Pemandu tambahan<\/li><li>Cermin kereta<\/li><li>Bencana alam<\/li><li>Rusuhan dan kemusnahan awam<\/li><li>Aksesori kereta; dan banyak lagi.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pemandu_dinamakan\"><\/span>Pemandu dinamakan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ia merujuk kepada orang yang anda namakan di dalam polisi yang dibenarkan memandu kereta anda. <\/p>\n\n\n\n<p>Excess wajib sebanyak RM400 tidak akan dikenakan jika kereta anda dipandu oleh pemandu dinamakan dengan syarat mereka mempunyai lesen memandu yang sah bagi jenis yang relevan dan tidak hilang kelayakan dari segi undang-undang untuk memandu atau kerana sebab-sebab lain dan mesti berumur lebih daripada 21 tahun pada masa kejadian.\u00a0<\/p>\n\n\n\n<p>Di Malaysia, pemilik kereta boleh menamakan satu pemandu (selain pemilik) untuk dimasukkan ke dalam polisi secara percuma. Namun, ada juga sesetengah syarikat insurans\/ takaful memberikan manfaat perlindungan untuk semua pemandu secara percuma seperti Takaful Malaysia, Etiqa Takaful dan Lonpac.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Premium_Asas_Premium_Kasar_dan_Premium_Akhir\"><\/span>Premium Asas, Premium Kasar dan Premium Akhir<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Premium Asas<\/strong>: Kadar premium untuk polisi insurans anda sebelum ditolak NCD.<\/p>\n\n\n\n<p><strong>Premium Kasar:<\/strong>  Jumlah premium yang ditetapkan selepas NCD ditolak. <\/p>\n\n\n\n<p><strong>Premium Akhir: <\/strong> Jumlah sebenar yang anda perlu bayar kepada syarikat&nbsp;insurans untuk menghidupkan semula polisi insurans anda.  Premium akhir ini biasanya ditetapkan selepas premium asas anda ditolak NCD, kemudiannya ditambah dengan perlindungan tambahan (jika ada), caj cukai perkhidmatan (SST), dan juga duti setem. <\/p>\n\n\n\n<p>Fahami lebih lanjut menerusi situasi di bawah ini:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"7841\" data-permalink=\"https:\/\/bjak.my\/blog\/image-4_-formula-kira-insurans-kereta-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta-2.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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=\"Image-4_-Formula-kira-insurans-kereta-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta-2.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta-2.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta-2-1080x608.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"Formula asas untuk mengira harga insurans kereta di Malaysia\" class=\"wp-image-7841\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta-2.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta-2.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta-2.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta-2.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta-2.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"7839\" data-permalink=\"https:\/\/bjak.my\/blog\/image-5_-contoh-bagaimana-insurans-kereta-dikira-1-1024x1024-1\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Contoh-bagaimana-insurans-kereta-dikira-1-1024x1024-1.jpg?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" 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=\"Image-5_-Contoh-bagaimana-insurans-kereta-dikira-1-1024&#215;1024-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Contoh-bagaimana-insurans-kereta-dikira-1-1024x1024-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Contoh-bagaimana-insurans-kereta-dikira-1-1024x1024-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Contoh-bagaimana-insurans-kereta-dikira-1-1024x1024-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Pengiraan harga insurans kereta\" class=\"wp-image-7839\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Contoh-bagaimana-insurans-kereta-dikira-1-1024x1024-1.jpg?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Contoh-bagaimana-insurans-kereta-dikira-1-1024x1024-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Contoh-bagaimana-insurans-kereta-dikira-1-1024x1024-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Contoh-bagaimana-insurans-kereta-dikira-1-1024x1024-1.jpg?resize=768%2C768&amp;ssl=1 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Endorsmen\"><\/span>Endorsmen&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Endorsmen adalah dokumen\/ borang yang dikeluarkan oleh syarikat insurans untuk mengesahkan sebarang perubahan atau peluasan perlindungan pada sijil asas.<\/p>\n\n\n\n<p>Ia juga merujuk kepada terma tambahan yang akan dikenakan kepada pemegang polisi atau perlindungan tambahan jika anda telah membayar premium tambahan.<\/p>\n\n\n\n<p>Di bawah ini merupakan contoh borang endosmen oleh syarikat Takaful Ikhlas.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"8046\" data-permalink=\"https:\/\/bjak.my\/blog\/image_-screenshot-endorsmen\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image_-Screenshot-endorsmen-.jpg?fit=595%2C842&amp;ssl=1\" data-orig-size=\"595,842\" 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=\"Image_-Screenshot-endorsmen-\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image_-Screenshot-endorsmen-.jpg?fit=212%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image_-Screenshot-endorsmen-.jpg?fit=595%2C842&amp;ssl=1\" loading=\"lazy\" width=\"595\" height=\"842\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image_-Screenshot-endorsmen-.jpg?resize=595%2C842&#038;ssl=1\" alt=\"Contoh borang endosmen oleh syarikat Takaful Ikhlas.\" class=\"wp-image-8046\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image_-Screenshot-endorsmen-.jpg?w=595&amp;ssl=1 595w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image_-Screenshot-endorsmen-.jpg?resize=212%2C300&amp;ssl=1 212w\" sizes=\"(max-width: 595px) 100vw, 595px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Diharap perkongsian dengan contoh terma penting di atas sedikit sebanyak dapat menambah pengetahuan anda mengenai perkara-perkara penting di dalam polisi insurans kereta dan seterusnya membantu anda mendapatkan perlindungan yang terbaik.&nbsp;<\/p>\n\n\n\n<p>Anda juga boleh mendapatkan lebih banyak info mengenai insurans kereta melalui platform Bjak. Pelbagai<strong> panduan dan tips untuk perbaharui insurans kereta<\/strong> ada dikongsikan di sini.<\/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=11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\">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=11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\">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\/soalan-lazim-mengenai-liberalisasi-tarif-insurans-motor\/\">Soalan Lazim Mengenai Liberalisasi Tarif Insurans Motor<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/4-mitos-mengenai-insurans-kereta-yang-anda-boleh-abaikan\/\">4 Mitos Mengenai Insurans Kereta Yang Anda Boleh Abaikan<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/tak-tahu-tahap-perlindungan-insurans-yang-sesuai-untuk-kenderaan-tanya-diri-anda-5-soalan-ini\/\">Tak Tahu Tahap Perlindungan Insurans Yang Sesuai Untuk Kenderaan? Tanya Diri Anda 5 Soalan Ini<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Amat penting untuk anda memahami satu persatu terma, syarat dan lain-lain supaya perlindungan yang terbaik dapat dipilih<\/p>\n","protected":false},"author":4,"featured_media":35673,"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":[26,243,365,248],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Contoh Polisi Insurans Kereta - 11 Perkara Anda Perlu Fahami<\/title>\n<meta name=\"description\" content=\"Ada kenderaan? 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