{"id":38036,"date":"2023-05-22T14:52:42","date_gmt":"2023-05-22T06:52:42","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=38036"},"modified":"2023-08-01T15:58:15","modified_gmt":"2023-08-01T07:58:15","slug":"renew-insurans-perlukah-guna-perkhidmatan-buy-now-pay-later","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-perlukah-guna-perkhidmatan-buy-now-pay-later","title":{"rendered":"Renew Insurans: Perlukah Guna Perkhidmatan Buy Now Pay Later?"},"content":{"rendered":"\n<p>Untuk pemilik kenderaan, salah satu komitmen yang perlu ditanggung pada setiap tahun adalah pembaharuan insurans serta <a href=\"https:\/\/bjak.my\/blog\/cara-renew-roadtax\/\">roadtax<\/a>. Apabila tiba masanya, mungkin ramai daripada kita yang akan berasa terbeban untuk <a href=\"https:\/\/bjak.my\/blog\/adakah-anda-benar-benar-perlukan-6-perlindungan-tambahan-ini-ketika-renew-insurans-kereta\/\">renew insurans kereta<\/a> kerana kos yang perlu dikeluarkan untuknya boleh dikatakan agak tinggi, sehingga ada yang mencecah ribuan ringgit. Disebabkan itulah ada yang sehingga tidak perbaharui insurans serta roadtax mereka kerana kekangan bajet.<\/p>\n\n\n\n<p>Namun, tahukah anda pada hari ini bahawa pembayaran untuk pembaharuan insurans juga boleh dibuat secara ansuran, contohnya dengan perkhidmatan Buy Now Pay Later. Meskipun begitu, adakah ia berbaloi untuk anda dan perlukah anda bayar ansuran semata-mata untuk renew insurans?<\/p>\n\n\n\n<p>Baca perkongsian ini untuk ketahui 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-69d74d94a5530\" 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-69d74d94a5530\"><\/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\/renew-insurans-perlukah-guna-perkhidmatan-buy-now-pay-later\/#Apa_itu_Buy_Now_Pay_Later\" title=\"Apa itu Buy Now Pay Later?\">Apa itu Buy Now Pay Later?<\/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\/renew-insurans-perlukah-guna-perkhidmatan-buy-now-pay-later\/#Kelebihan_guna_perkhidmatan_Buy_Now_Pay_Later_BNPL\" title=\"Kelebihan guna perkhidmatan Buy Now Pay Later (BNPL)\">Kelebihan guna perkhidmatan Buy Now Pay Later (BNPL)<\/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\/renew-insurans-perlukah-guna-perkhidmatan-buy-now-pay-later\/#Kekurangan_guna_Buy_Now_Pay_Later_BNPL\" title=\"Kekurangan guna Buy Now Pay Later (BNPL)\">Kekurangan guna Buy Now Pay Later (BNPL)<\/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\/renew-insurans-perlukah-guna-perkhidmatan-buy-now-pay-later\/#Perlu_ke_guna_BNPL_untuk_renew_insurans\" title=\"Perlu ke guna BNPL untuk renew insurans?\">Perlu ke guna BNPL untuk renew insurans?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-perlukah-guna-perkhidmatan-buy-now-pay-later\/#Jika_anda_tiada_bajet\" title=\"Jika anda tiada bajet\">Jika anda tiada bajet<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-perlukah-guna-perkhidmatan-buy-now-pay-later\/#Jika_anda_ingin_lebih_jimat\" title=\"Jika anda ingin lebih jimat\">Jika anda ingin lebih jimat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-perlukah-guna-perkhidmatan-buy-now-pay-later\/#Jika_anda_ingin_pastikan_kereta_anda_dilindungi_insurans_terbaik\" title=\"Jika anda ingin pastikan kereta anda dilindungi insurans terbaik\">Jika anda ingin pastikan kereta anda dilindungi insurans terbaik<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-perlukah-guna-perkhidmatan-buy-now-pay-later\/#Jika_ingin_bayar_ansuran_tanpa_caj_faedah\" title=\"Jika ingin bayar ansuran tanpa caj faedah\">Jika ingin bayar ansuran tanpa caj faedah<\/a><\/li><\/ul><\/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\/renew-insurans-perlukah-guna-perkhidmatan-buy-now-pay-later\/#Cara_guna_BNPL_di_Bjak\" title=\"Cara guna BNPL di Bjak\">Cara guna BNPL di Bjak<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apa_itu_Buy_Now_Pay_Later\"><\/span>Apa itu Buy Now Pay Later?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk yang masih belum tahu, perkhidmatan Buy Now Pay Later (BNPL) atau dalam bahasa Melayu disebut sebagai Beli Dulu Bayar Kemudian merupakan satu perkhidmatan yang akan membolehkan pengguna membuat bayaran secara ansuran untuk tempoh tertentu.<\/p>\n\n\n\n<p>Tempoh tersebut adalah bergantung kepada perkhidmatan Beli Dulu Bayar Kemudian pilihan anda, dan kebiasaannya perkhidmatan-perkhidmatan ini memberi kemudahan kepada pengguna untuk membayar secara ansuran selama 3 bulan, 6 bulan ataupun sehingga 12 bulan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kelebihan_guna_perkhidmatan_Buy_Now_Pay_Later_BNPL\"><\/span>Kelebihan guna perkhidmatan Buy Now Pay Later (BNPL)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Kebanyakan perkhidmatan beli dulu bayar kemudian sangat mudah digunakan. Anda hanya perlu daftar dan terus boleh menggunakan perkhidmatan tersebut.<\/li><li>Anda tidak memerlukan kad kredit<\/li><li>Pembayaran balik secara automatik (ditolak terus dari bank anda)<\/li><li>Kebanyakan perkhidmatan beli dulu bayar kemudian menawarkan kadar faedah 0%.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kekurangan_guna_Buy_Now_Pay_Later_BNPL\"><\/span>Kekurangan guna Buy Now Pay Later (BNPL)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Anda perlu menanggung caj pembayaran lewat yang tinggi sekiranya anda tidak konsisten dengan jadual pembayaran balik.<\/li><li>Laporan Skor kredit anda akan terjejas sekiranya gagal melunaskan ansuran pada masa yang ditetapkan.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlu_ke_guna_BNPL_untuk_renew_insurans\"><\/span>Perlu ke guna BNPL untuk renew insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pernah tak anda dengar bahawa kini nak renew insurans pun, anda dah boleh guna BNPL? Ya, betul! Sudah ada beberapa platform pembaharuan insurans yang membenarkan pelanggannya untuk membayar secara ansuran bagi insurans mereka.<\/p>\n\n\n\n<p>Salah satunya adalah Bjak. Dengan memilih kaedah pembayaran\/ perkhidmatan Buy Now Pay Later oleh Atome, pelanggan kini boleh bayar secara 3 kali ansuran untuk perbaharui insurans.<\/p>\n\n\n\n<p>Persoalannya di sini, perlu ke sehingga bayar secara ansuran untuk renew insurans?<\/p>\n\n\n\n<p>Jawapannya agak umum dan bergantung pada individu.<\/p>\n\n\n\n<p>Namun, anda boleh menilai faktor-faktor ini untuk mengenalpasti sama ada perlu\/ berbaloi atau tidak bayar ansuran untuk insurans:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Jika_anda_tiada_bajet\"><\/span>Jika anda tiada bajet<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Perkhidmatan Buy Now Pay Later sebenarnya berguna dan dapat membantu ramai individu yang tidak mempunyai wang serta bajet yang mencukupi untuk perbaharui insurans. Ingat, harga insurans boleh mencecah sehingga ribuan ringgit, jadi ada individu yang mungkin perlu menggunakan kaedah bayaran secara ansuran kerana kekangan bajet untuk perbaharui insurans mereka.<\/p>\n\n\n\n<p>Jika anda salah seorang daripadanya, maka tidak salah pun anda gunakan kaedah pembayaran ini asalkan kereta anda sentiasa dilindungi insurans.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Jika_anda_ingin_lebih_jimat\"><\/span>Jika anda ingin lebih jimat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sebenarnya, kaedah pembayaran Buy Now Pay Later akan membantu anda lebih jimat ketika memperbaharui insurans. Katakan tempoh bayaran ansuran adalah selama 3 bulan, maka anda hanya perlu membayar \u2153 daripada jumlah keseluruhan untuk bulan pertama. Secara tidak langsung, anda boleh menjimatkan wang anda pada bulan itu, lebih-lebih jika anda sedang mengalami kekangan bajet atau perlu menggunakan wang untuk perkara lain.<\/p>\n\n\n\n<p>Bahkan, tahukah anda biasanya perkhidmatan BNPL juga memberikan diskaun kepada pelanggan kali pertama mereka. Justeru, dengan menggunakan kaedah pembayaran ini, anda secara tidak langsung akan mendapat tambahan diskaun untuk insurans anda.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Jika_anda_ingin_pastikan_kereta_anda_dilindungi_insurans_terbaik\"><\/span>Jika anda ingin pastikan kereta anda dilindungi insurans terbaik<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sesetengah pemilik kenderaan memilih untuk mendapatkan insurans pada harga yang murah kerana ingin jimat. Namun kini dengan adanya BNPL, anda boleh memastikan kereta anda dilindungi dengan insurans yang terbaik sahaja.<\/p>\n\n\n\n<p>Meskipun harga untuk pelan insurans tersebut mungkin akan sedikit mahal, namun anda tidak perlu lagi risau kerana boleh bayar secara 3 kali ansuran. Asalkan kereta anda boleh mendapat perlindungan yang diperlukan, mahal sikit pun tak apa kan?!<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Jika_ingin_bayar_ansuran_tanpa_caj_faedah\"><\/span>Jika ingin bayar ansuran tanpa caj faedah<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sesetengah kaedah pembayaran ansuran akan mengenakan caj faedah atau interests tertentu kepada para pelanggan. Namun, jika anda gunakan BNPL apabila renew insurans di Bjak, anda tidak akan dikenakan sebarang caj faedah ya. Bermakna, apa yang anda bayar itu nanti adalah betul-betul untuk harga insurans anda sahaja.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_guna_BNPL_di_Bjak\"><\/span>Cara guna BNPL di Bjak<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jangan risau, untuk guna BNPL di Bjak sebenarnya sangat mudah.<\/p>\n\n\n\n<p>Anda ikut sahaja langkah-langkahnya seperti infografik di bawah ini:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img data-attachment-id=\"38037\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-perlukah-guna-perkhidmatan-buy-now-pay-later\/attachment\/image-5-3\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/image-5.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=\"image-5\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/image-5.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/image-5.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/image-5.png?resize=1024%2C1024&#038;ssl=1\" alt=\"cara guna Buy Now Pay Later di Bjak\" class=\"wp-image-38037\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/image-5.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/image-5.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/image-5.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/image-5.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/image-5.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Mudah dan ringkas kan?! Jadi, jika anda rasa berbaloi untuk gunakan perkhidmatan Buy Now Pay Later dan bayar secara ansuran untuk insurans anda, jom layari Bjak sekarang.&nbsp;<\/p>\n\n\n\n<p>Yang penting, pastikan kenderaan anda sentiasa dilindungi insurans!&nbsp;<\/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=renew-insurans-perlukah-guna-perkhidmatan-buy-now-pay-later\/\">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-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=renew-insurans-perlukah-guna-perkhidmatan-buy-now-pay-later\/\">Renew Insurans 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\/nak-bayar-ansuran-untuk-insurans-kereta-dengan-0-faedah-ini-caranya\/\">Nak Bayar Insurans Kereta Secara Ansuran Dengan 0% Faedah? Ini Caranya!<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-check-insuran-kereta\/\">Cara Check Insuran Kereta \u2013 Semak Tarikh Tamat Polisi Insurans<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/bagaimana-harga-insurans-kereta-dikira\/\">Bagaimana Harga Insurans Kereta Dikira?<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bayar secara ansuran untuk insurans kenderaan anda dengan kaedah pembayaran Buy Now Pay Later. 0% faedah. Tidak perlu kad kredit.<\/p>\n","protected":false},"author":4,"featured_media":38038,"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":[26,243,248,465],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Renew Insurans: Perlukah Guna Perkhidmatan Buy Now Pay Later?<\/title>\n<meta name=\"description\" content=\"Bayar secara ansuran untuk insurans kenderaan anda dengan kaedah pembayaran Buy Now Pay Later. 0% faedah. 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