{"id":36811,"date":"2023-04-13T13:17:37","date_gmt":"2023-04-13T05:17:37","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=36811"},"modified":"2025-11-03T20:42:36","modified_gmt":"2025-11-03T12:42:36","slug":"perlindungan-peril-khas","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/perlindungan-peril-khas","title":{"rendered":"Beza Perlindungan Tambahan Peril Khas (Penuh) &#038; Peril Khas Terhad"},"content":{"rendered":"\n<p>Selain perlindungan tambahan untuk cermin kereta, salah satu perlindungan tambahan lain yang popular dan sering diambil oleh pemilik kenderaan ketika perbaharui insurans adalah perlindungan peril khas.<\/p>\n\n\n\n<p>Perlindungan peril khas diketahui memberi perlindungan untuk kerosakan kereta akibat kejadian bencana alam seperti banjir, ribut, taufan, tanah runtuh, pokok tumbang dan sebagainya.<\/p>\n\n\n\n<p>Biasanya, ramai dalam kalangan pemilik kenderaan mengambil perlindungan tambahan peril khas kerana ingin melindungi kereta daripada risiko banjir, yang mana banjir diketahui merupakan bencana yang paling kerap berlaku di negara kita.<\/p>\n\n\n\n<p>Namun tahukah anda, sebenarnya ada dua jenis polisi untuk bencana alam ini boleh kita pilih dan dapatkan iaitu:<\/p>\n\n\n\n<ul><li>Perlindungan peril khas&nbsp;(penuh)<\/li><li>Perlindungan peril khas terhad<\/li><\/ul>\n\n\n\n<p>Apakah beza kedua-dua polisi untuk perlindungan bencana alam ini? Jom teruskan membaca perkongsian di bawah untuk ketahui dengan lebih lanjut mengenainya.<\/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=perlindungan-peril-khas\">Renew Insurans Terbaik<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2>Beza perlindungan peril khas (penuh) &amp; peril khas terhad<\/h2>\n\n\n\n<p>Seperti yang diterangkan secara ringkas di atas tadi, perlindungan peril khas (penuh) memberi perlindungan untuk kerosakan kereta akibat kejadian bencana alam seperti banjir, ribut, taufan, tanah runtuh, pokok tumbang dan sebagainya.<\/p>\n\n\n\n<p>Perlindungan ini dapat membantu anda sebagai pemegang polisi mendapatkan pampasan atas kerosakan kenderaan yang disebabkan oleh bencana alam seperti yang disenaraikan dalam <a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">polisi insurans kereta<\/a> atau motor.<\/p>\n\n\n\n<p>Pada kebiasaannya, premium bagi perlindungan ini ialah 0.5% daripada jumlah diinsuranskan. Jadi, contoh jika jumlah yang diinsuranskan adalah bernilai RM50,000, maka anda perlu membayar premium tambahan sebanyak RM250 untuk mendapatkan perlindungan ini.&nbsp;<\/p>\n\n\n\n<p>Berbeza dengan peril khas terhad pula, insurans tambahan ini hanya memberi perlindungan untuk kerosakan kereta akibat banjir dan ribut taufan sahaja. Bermakna, perlindungan yang diberikan tidaklah penuh seperti peril khas biasa.<\/p>\n\n\n\n<p>Premium yang perlu dibayar juga adalah lebih murah iaitu lebih kurang 0.25% daripada jumlah yang diinsuranskan. Bermakna, jika jumlah yang diinsuranskan adalah bernilai RM50,000, maka anda perlu membayar premium sebanyak RM125 sahaja untuk mendapatkannya.<\/p>\n\n\n\n<p>Fahami contoh senario:<\/p>\n\n\n\n<p>Abu menginsuranskan kenderaannya pada nilai RM50,000. Dia mempunyai pilihan untuk membeli perlindungan tambahan peril khas penuh atau perlindungan peril khas terhad. Jika dia memutuskan untuk membeli perlindungan peril khas terhad, maka dia perlu membayar sebarang kos pembaikan yang lebih tinggi daripada jumlah diinsuranskan bagi peril khas terhad, seperti yang diterangkan dalam jadual di bawah.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img data-attachment-id=\"36819\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perlindungan-peril-khas\/attachment\/2023-04-13-13-00-33\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/04\/2023-04-13-13.00.33.jpg?fit=1280%2C611&amp;ssl=1\" data-orig-size=\"1280,611\" 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=\"2023-04-13-13.00.33\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/04\/2023-04-13-13.00.33.jpg?fit=300%2C143&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/04\/2023-04-13-13.00.33.jpg?fit=1080%2C516&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"516\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/04\/2023-04-13-13.00.33.jpg?resize=1080%2C516&#038;ssl=1\" alt=\"Contoh gambaran perbezaan perlindungan peril khas penuh dengan peril khas terhad\" class=\"wp-image-36819\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/04\/2023-04-13-13.00.33.jpg?resize=1080%2C516&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/04\/2023-04-13-13.00.33.jpg?resize=300%2C143&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/04\/2023-04-13-13.00.33.jpg?resize=768%2C367&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/04\/2023-04-13-13.00.33.jpg?w=1280&amp;ssl=1 1280w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2>Berbaloi ke ambil peril khas terhad?<\/h2>\n\n\n\n<p>Sekadar peringatan untuk anda. Jika anda memilih untuk mengambil peril khas terhad, secara tidak langsung anda mungkin tidak akan mendapat pampasan penuh jika berlaku sesuatu pada kenderaan anda akibat kejadian bencana alam. Ini kerana insurans ini tidak melindungi semua kejadian bencana alam seperti peril khas (penuh).&nbsp;<\/p>\n\n\n\n<p>Jadi sebaiknya jika anda ada bajet yang mencukupi, dapatkan sahaja perlindungan peril khas (penuh) kerana ia lebih selamat dan tidak akan merugikan anda. Biarpun perlu bayar lebih mahal sedikit, namun ia akan memberikan perlindungan yang lebih meluas buat kenderaan anda.&nbsp;<\/p>\n\n\n\n<p>Tetapi jika anda kekurangan bajet, dapatkanlah sahaja perlindungan peril khas terhad. Sekurang-kurangnya anda boleh membuat tuntutan&nbsp; jika berlaku kerosakan kereta akibat banjir. Ingat ya, kos pembaikan kereta rosak akibat banjir sangat mahal. Ada yang mencecah sehingga puluhan ribu ringgit.<\/p>\n\n\n\n<p>Jadi, tidak salah jika anda bersiap sedia. Orang kata lebih baik sediakan payung sebelum hujan, berbanding menyesal di kemudian hari, kan?!<\/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 <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=perlindungan-peril-khas\">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=perlindungan-peril-khas\">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\/5-salah-faham-yang-sering-berlaku-dalam-insurans-kenderaan\/\">5 Salah Faham Yang Sering Berlaku Dalam Insurans Kenderaan<\/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><li><a href=\"https:\/\/bjak.my\/blog\/bolehkah-syarikat-insurans-menolak-untuk-menginsuranskan-kenderaan-anda\/\">Bolehkah Syarikat Insurans Menolak Untuk Menginsuranskan Kenderaan Anda?<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Tahukah anda? Ada dua jenis polisi untuk bencana alam boleh kita pilih dan dapatkan iaitu perlindungan tambahan peril khas penuh dan terhad.<\/p>\n","protected":false},"author":4,"featured_media":36812,"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 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Beza Perlindungan Tambahan Peril Khas (Penuh) &amp; Peril Khas Terhad<\/title>\n<meta name=\"description\" content=\"Tahukah anda? Ada dua jenis polisi untuk bencana alam boleh kita pilih dan dapatkan iaitu perlindungan tambahan peril khas penuh dan terhad.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perlindungan-peril-khas\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Beza Perlindungan Tambahan Peril Khas (Penuh) &amp; Peril Khas Terhad\" \/>\n<meta property=\"og:description\" content=\"Tahukah anda? Ada dua jenis polisi untuk bencana alam boleh kita pilih dan dapatkan iaitu perlindungan tambahan peril khas penuh dan terhad.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perlindungan-peril-khas\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2023-04-13T05:17:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-03T12:42:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/04\/2023-04-13-11.33.46.jpg?fit=1280%2C809&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"809\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Athirah Hanapiah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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