{"id":37802,"date":"2023-05-17T15:00:34","date_gmt":"2023-05-17T07:00:34","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=37802"},"modified":"2025-10-31T13:12:09","modified_gmt":"2025-10-31T05:12:09","slug":"apa-jadi-jika-pemandu-tidak-dinamakan-kemalangan-ketika-pandu-kereta-anda","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-jadi-jika-pemandu-tidak-dinamakan-kemalangan-ketika-pandu-kereta-anda","title":{"rendered":"Apa Jadi Jika Pemandu Tidak Dinamakan Kemalangan Ketika Pandu Kereta Anda"},"content":{"rendered":"\n<p>Biasanya, syarikat insurans akan melindungi pemilik kenderaan dan juga mana-mana pemandu yang dinamakan sekiranya menyebabkan kemalangan ketika sedang memandu. Bermakna, individu tersebut layak untuk membuat tuntutan insurans di bawah <a href=\"https:\/\/bjak.my\/blog\/polisi-insurans-kereta-expired-apa-anda-kena-buat-seterusnya\/\">polisi insuran kereta<\/a> miliknya di atas kerugian yang dialami.<\/p>\n\n\n\n<p>Namun, apa jadi jika pemandu tidak dinamakan pula yang menyebabkan kemalangan ketika memandu kenderaan anda? Masihkah boleh anda mengemukakan tuntutan insurans ke atas apa yang berlaku itu?<\/p>\n\n\n\n<p>Jom ketahui dengan lebih lanjut mengenainya menerusi perkongsian 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-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=pa-jadi-jika-pemandu-tidak-dinamakan-kemalangan-ketika-pandu-kereta-anda\">Renew Insurans 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-69e07ff791773\" 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-69e07ff791773\"><\/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\/apa-jadi-jika-pemandu-tidak-dinamakan-kemalangan-ketika-pandu-kereta-anda\/#Pemandu_tidak_dinamakan_penyebab_kemalangan_kereta_anda_boleh_ke_claim_insurans\" title=\"Pemandu tidak dinamakan penyebab kemalangan kereta anda, boleh ke claim insurans?\">Pemandu tidak dinamakan penyebab kemalangan kereta anda, boleh ke claim 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\/apa-jadi-jika-pemandu-tidak-dinamakan-kemalangan-ketika-pandu-kereta-anda\/#Apa_boleh_anda_buat\" title=\"Apa boleh anda buat?\">Apa boleh anda buat?<\/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\/apa-jadi-jika-pemandu-tidak-dinamakan-kemalangan-ketika-pandu-kereta-anda\/#Beza_perlindungan_pemandu_yang_dinamakan_dengan_perlindungan_semua_pemandu\" title=\"Beza perlindungan pemandu yang dinamakan dengan perlindungan semua pemandu\">Beza perlindungan pemandu yang dinamakan dengan perlindungan semua pemandu<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pemandu_tidak_dinamakan_penyebab_kemalangan_kereta_anda_boleh_ke_claim_insurans\"><\/span>Pemandu tidak dinamakan penyebab kemalangan kereta anda, boleh ke claim insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image is-style-default\"><img data-attachment-id=\"30223\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-kenapa-anda-tidak-boleh-pandu-jika-kenderaan-tiada-insurans\/attachment\/2022-05-10-16-42-58\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-10-16.42.58.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=\"2022-05-10-16.42.58\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-10-16.42.58.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-10-16.42.58.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"1080\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-10-16.42.58.jpg?resize=854%2C854&amp;ssl=1\" alt=\"Claim insurans masih boleh dibuat jika pemandu tidak dinamakan menyebabkan kemalangan pada kereta anda, namun ekses RM400 akan dikenakan.\" class=\"wp-image-30223\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-10-16.42.58.jpg?w=1080&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-10-16.42.58.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-10-16.42.58.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-10-16.42.58.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-10-16.42.58.jpg?resize=768%2C768&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/figure>\n\n\n\n<p>Sudah menjadi lumrah apabila memiliki sebuah kereta, mungkin ada individu lain yang akan memandu kenderaan anda. Biasanya orang terdekatlah iaitu pasangan, anak, ibu atau ayah atau bahkan juga mungkin kenalan anda seperti rakan baik.<\/p>\n\n\n\n<p>Namun malang tidak berbau. Ada kemungkinan ketika sedang meminjam kereta anda, mereka terbabit dalam kemalangan seperti terlanggar kenderaan lain, ataupun bahkan terlibat dalam kemalangan sendiri seperti terlanggar divider, haiwan dan lain-lain.<\/p>\n\n\n\n<p>Apabila situasi itu berlaku, perkara pertama yang pemilik kenderaan akan fikir sudah tentulah jumlah kerugian yang dialami. Persoalannya di sini, jika individu tersebut bukan individu yang dinamakan di dalam polisi insurans, masih layakkah anda untuk claim insurans?<\/p>\n\n\n\n<p>Jawapannya adalah <strong>ya, anda masih layak untuk claim insurans <\/strong>asalkan:<\/p>\n\n\n\n<ol><li>Polisi anda masih aktif ketika kejadian berlaku<\/li><li>Pemandu tersebut ada lesen memandu<\/li><li>Anda memiliki insurans komprehensif (<a href=\"https:\/\/bjak.my\/blog\/renew-insurans-kereta-1st-party\/\">insurans kereta 1st party<\/a>)<\/li><\/ol>\n\n\n\n<p>Namun, ada akibat yang perlu anda tanggung iaitu anda perlu dan wajib membayar ekses sebanyak RM400 daripada kos pembaikan yang telah ditetapkan oleh syarikat insurans.<\/p>\n\n\n\n<p>Contohnya:&nbsp;<\/p>\n\n\n\n<p>Kereta anda dipandu oleh rakan baik anda terbabit dalam kemalangan. Bagaimanapun anda tidak menetapkan rakan anda itu sebagai salah seorang pemandu yang dinamakan di dalam polisi ketika <a href=\"https:\/\/bjak.my\/blog\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/\">renew insurans kereta<\/a> sebelum ini. Bahkan dalam polisi anda itu, anda juga tidak ambil perlindungan \u2018semua pemandu.<\/p>\n\n\n\n<p>Ditakdirkan kos pembaikan untuk kereta anda akibat kemalangan itu adalah sebanyak RM5,000, anda perlu membayar RM400 sebagai ekses wajib manakala RM4,600 lagi akan ditanggung oleh syarikat insurans anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_boleh_anda_buat\"><\/span>Apa boleh anda buat?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bagi memastikan kenderaan anda sentiasa dilindungi oleh pihak insurans dan mengelakkan pertikaian dalam tuntutan, sebenarnya anda perlu memastikan individu itu telah dinamakan di dalam polisi sebelum mengizinkannya untuk memandu kenderaan anda.&nbsp;<\/p>\n\n\n\n<p>Caranya mudah sahaja. Anda boleh mendapatkan perlindungan tambahan sama ada i) <strong>perlindungan pemandu yang dinamakan <\/strong>atau ii) <strong>perlindungan semua pemandu<\/strong> di dalam polisi insurans anda ketika memperbaharui insurans.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Beza_perlindungan_pemandu_yang_dinamakan_dengan_perlindungan_semua_pemandu\"><\/span>Beza perlindungan pemandu yang dinamakan dengan perlindungan semua pemandu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image is-style-default\"><img data-attachment-id=\"31679\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/siapakah-yang-boleh-memandu-kereta-anda\/attachment\/2022-06-02-16-08-01\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/06\/2022-06-02-16.08.01.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=\"2022-06-02-16.08.01\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/06\/2022-06-02-16.08.01.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/06\/2022-06-02-16.08.01.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"1080\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/06\/2022-06-02-16.08.01.jpg?resize=1024%2C1024&amp;ssl=1\" alt=\"Beza perlindungan semua pemandu dengan pemandu yang dinamakan\" class=\"wp-image-31679\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/06\/2022-06-02-16.08.01.jpg?w=1080&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/06\/2022-06-02-16.08.01.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/06\/2022-06-02-16.08.01.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/06\/2022-06-02-16.08.01.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/06\/2022-06-02-16.08.01.jpg?resize=768%2C768&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/figure>\n\n\n\n<p>Pada dasarnya, perlindungan <strong>\u201cpemandu yang dinamakan\u201d <\/strong>adalah terhad kepada pemandu yang dinamakan sahaja. Manakala perlindungan <strong>\u201csemua pemandu\u201d<\/strong> pula merangkumi semua pemandu yang mendapat kebenaran anda untuk memandu kereta anda.<\/p>\n\n\n\n<p><strong>Pemandu yang dinamakan<\/strong> \u2013&nbsp; Perlindungan tambahan ini meluaskan polisi kereta anda untuk melindungi pemandu kereta anda yang dinamakan. Pada kebiasaannya, syarikat insurans mahupun takaful memberikan dua pemandu pertama (termasuk anda) secara percuma. Untuk menambah pemandu ketiga dan seterusnya, anda akan dicaj RM10 untuk setiap pemandu yang dinamakan.<\/p>\n\n\n\n<p><strong>Semua pemandu<\/strong> \u2013 Perlindungan tambahan ini pula meluaskan polisi kereta anda untuk melindungi semua pemandu yang akan memandu kenderaan anda. Anda hanya perlu menambah sebanyak RM50 untuk mendapatkan perlindungan tambahan semua pemandu.<\/p>\n\n\n\n<p>Sebenarnya, kini ada sahaja polisi insurans yang menawarkan perlindungan untuk semua pemandu secara percuma atau juga manfaat pemandu yang dinamakan sehingga lebih daripada dua orang pemandu dengan tanpa sebarang premium tambahan.<\/p>\n\n\n\n<p>Disebabkan itulah penting untuk anda membuat perbandingan sebelum terus memperbaharui insurans kereta anda bagi menilai manfaat yang diberikan oleh setiap syarikat insurans. Ini bukan sahaja bagi memastikan anda boleh mendapat perlindungan terbaik, bahkan juga membantu anda jimat dengan lebih banyak.<\/p>\n\n\n\n<p>Untuk buat perbandingan insurans dengan cara paling mudah, anda gunakan sahaja platform Bjak. Lebih 10 jenama insurans anda boleh bandingkan sekaligus dalam satu masa. Klik sahaja 1 pelan yang terbaik untuk diri 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&nbsp;<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=apa-jadi-jika-pemandu-tidak-dinamakan-kemalangan-ketika-pandu-kereta-anda\">sebut&nbsp;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=apa-jadi-jika-pemandu-tidak-dinamakan-kemalangan-ketika-pandu-kereta-anda\">Renew Insurans Online<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Baca juga:&nbsp;<\/strong><\/p>\n\n\n\n<ul><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><li><a href=\"https:\/\/bjak.my\/blog\/kesilapan-yang-perlu-dielakkan-semasa-memfailkan-tuntutan-insurans-kemalangan-kereta\/\">Kesilapan Yang Perlu Dielakkan Semasa Memfailkan Tuntutan Insurans Kemalangan Kereta<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bolehkah anda sebagai pemilik kenderaan membuat tuntutan insurans jika pemandu tidak dinamakan menyebabkan kemalangan?<\/p>\n","protected":false},"author":4,"featured_media":41350,"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":[26,968,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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