{"id":41541,"date":"2023-08-04T11:54:07","date_gmt":"2023-08-04T03:54:07","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=41541"},"modified":"2023-08-04T11:55:11","modified_gmt":"2023-08-04T03:55:11","slug":"cara-claim-insurans-motosikal-kemalangan-sendiri","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-motosikal\/cara-claim-insurans-motosikal-kemalangan-sendiri","title":{"rendered":"Cara Claim Insurans Motosikal Kemalangan Sendiri"},"content":{"rendered":"\n<p>Kemalangan membabitkan motosikal boleh dikatakan berlaku pada setiap hari. Bahkan menurut statistik, sebanyak 60% kemalangan yang berlaku di jalan raya di Malaysia adalah membabitkan penunggang motosikal. Angka ini sebenarnya amat membimbangkan khususnya buat mereka yang berada di dalam kelompok ini.\u00a0<\/p>\n\n\n\n<p>Kita semua pastinya sudah sedia maklum bahawa kemalangan motosikal boleh berlaku dalam sekelip mata, sama ada dilanggar oleh kenderaan lain seperti kereta, lori atau bahkan juga motosikal lain, atau juga kemalangan tersebut berlaku sendiri tanpa membabitkan mana-mana kenderaan lain.<\/p>\n\n\n\n<p>Jika seseorang penunggang motosikal itu dilanggar oleh pihak lain, maka dia bolehlah mengemukakan tuntutan insurans ke atas polisi si pelanggar bagi mendapatkan pampasan. Namun, bagaimana pula jika kemalangan tersebut berlaku sendiri? Bolehkah dia tetap membuat tuntutan insurans bagi menanggung kerugian yang dialami?&nbsp;<\/p>\n\n\n\n<p>Ayuh teruskan membaca perkongsian 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-69e5f6525343d\" 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-69e5f6525343d\"><\/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-motosikal\/cara-claim-insurans-motosikal-kemalangan-sendiri\/#Layak_ke_claim_insurans_jika_motor_terbabit_dalam_kemalangan_sendiri\" title=\"Layak ke claim insurans jika motor terbabit dalam kemalangan sendiri?\">Layak ke claim insurans jika motor terbabit dalam kemalangan sendiri?<\/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-motosikal\/cara-claim-insurans-motosikal-kemalangan-sendiri\/#Bolehkah_saya_claim_insurans_di_bawah_polisi_insurans_komprehensif_kereta_saya\" title=\"Bolehkah saya claim insurans di bawah polisi insurans komprehensif kereta saya?\">Bolehkah saya claim insurans di bawah polisi insurans komprehensif kereta saya?<\/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-motosikal\/cara-claim-insurans-motosikal-kemalangan-sendiri\/#Apakah_kesannya_terhadap_insurans_anda_selepas_claim_dibuat_di_bawah_polisi_sendiri\" title=\"Apakah kesannya terhadap insurans anda selepas claim dibuat di bawah polisi sendiri?\">Apakah kesannya terhadap insurans anda selepas claim dibuat di bawah polisi sendiri?<\/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-motosikal\/cara-claim-insurans-motosikal-kemalangan-sendiri\/#Cara_claim_insurans_motosikal_kemalangan_sendiri\" title=\"Cara claim insurans motosikal kemalangan sendiri\">Cara claim insurans motosikal kemalangan sendiri<\/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-motosikal\/cara-claim-insurans-motosikal-kemalangan-sendiri\/#Pastikan_insurans_anda_sentiasa_aktif_dan_sah\" title=\"Pastikan insurans anda sentiasa aktif dan sah\">Pastikan insurans anda sentiasa aktif dan sah<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Layak_ke_claim_insurans_jika_motor_terbabit_dalam_kemalangan_sendiri\"><\/span>Layak ke claim insurans jika motor terbabit dalam kemalangan sendiri?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kos untuk membaiki motosikal yang telah rosak khususnya apabila ia terbabit dalam kemalangan pastinya akan menelan belanja yang agak besar.<\/p>\n\n\n\n<p>Namun jangan risau, anda berhak untuk membuat tuntutan daripada pihak insurans bagi membaiki motor anda yang telah rosak itu asalkan anda menepati syarat-syarat berikut:<\/p>\n\n\n\n<ol><li>Anda pemegang polisi komprehensif<\/li><li>Polisi insurans motor anda masih aktif<\/li><li>Tuntutan anda itu termasuk dalam perkara yang dilindungi oleh pihak insurans&nbsp;<\/li><\/ol>\n\n\n\n<p>Jika anda hanya memiliki polisi pihak ketiga, kebakaran dan kecurian (TPFT) atau insurans motor third party sahaja, maka pihak insurans tidak akan menerima permohonan tuntutan anda itu kerana dua polisi tersebut tidak melindungi sebarang kerosakan kenderaan akibat daripada kemalangan yang berpunca dari diri sendiri.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bolehkah_saya_claim_insurans_di_bawah_polisi_insurans_komprehensif_kereta_saya\"><\/span>Bolehkah saya claim insurans di bawah polisi insurans komprehensif kereta saya?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jawapannya sudah tentulah tidak boleh. Permohonan bagi tuntutan insurans akibat kemalangan sendiri membabitkan motor anda hanya boleh dilakukan di bawah polisi komprehensif motor anda sahaja, dan bukannya insurans kereta (meskipun polisi insurans kereta tersebut adalah jenis komprehensif).<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_kesannya_terhadap_insurans_anda_selepas_claim_dibuat_di_bawah_polisi_sendiri\"><\/span>Apakah kesannya terhadap insurans anda selepas claim dibuat di bawah polisi sendiri?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Setelah tuntutan dibuat di bawah polisi insurans komprehensif anda, kadar NCD semasa yang telah terkumpul secara tidak langsung akan terjejas dan kembali ke kadar 0%. Keadaan ini seterusnya akan menyebabkan premium insurans kembali menjadi tinggi di tahun berikutnya.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_claim_insurans_motosikal_kemalangan_sendiri\"><\/span>Cara claim insurans motosikal kemalangan sendiri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Berikut merupakan beberapa langkah yang perlu anda lakukan bagi mengemukakan tuntutan insurans bagi kemalangan sendiri.<\/p>\n\n\n\n<p>Perlu anda tahu, tuntutan ini akan dipanggil sebagai Tuntutan Kerosakan Sendiri (Own Damage Claim), dan akan dilakukan di bawah polisi komprehensif anda ya.<\/p>\n\n\n\n<p><strong>Dokumen yang perlu disediakan untuk membuat tuntutan insurans adalah seperti di bawah:<\/strong><\/p>\n\n\n\n<ol><li>Borang tuntutan yang telah lengkap diisi kepada syarikat insurans anda<\/li><li>Sertakan juga salinan asal laporan polis &#8211; ingat, anda perlu memastikan laporan polis tetap dibuat meskipun kemalangan tersebut tidak membabitkan pihak lain. Ini kerana, pihak insurans memerlukan dokumen tersebut bagi mengesahkan bahawa kemalangan itu benar-benar berlaku dan mengelakkan sebarang unsur penipuan atau keraguan<\/li><li>Berikan juga salinan kad pengenalan serta lesen memandu pemegang polisi<\/li><li>Sertakan juga salinan geran motor anda<\/li><li>Sila kemukakan juga gambar kejadian kemalangan dan kerosakan yang berlaku<\/li><\/ol>\n\n\n\n<p><strong>Proses membuat tuntutan insurans kemalangan sendiri pula adalah seperti berikut:<\/strong><\/p>\n\n\n\n<ol><li>Hubungi talian hotline syarikat insurans anda untuk mendapatkan bantuan segera jika motor anda alami kerosakan yang teruk<\/li><li>Kumpulkan bukti termasuk i. Tarikh, masa dan tempat kemalangan, ii. Gambar kejadian kemalangan iii. Gambar kerosakan motosikal<\/li><li>Buat laporan polis di balai polis trafik berhampiran dalam tempoh 24 jam selepas kemalangan berlaku<\/li><li>Hubungi syarikat insurans untuk maklumkan mengenai kemalangan yang berlaku dalam tempoh 7 hari selepas kejadian tersebut terjadi<\/li><li>Hantarkan tuntutan anda secepat yang mungkin berserta dokumen-dokumen penting yang dinyatakan di atas tadi<\/li><li>Bawa motor anda ke bengkel panel yang disahkan. Syarikat insurans akan menghantar seorang adjuster bagi menilai kerosakan yang berlaku.<\/li><li>Tunggu sehingga motor anda siap dibaiki.<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pastikan_insurans_anda_sentiasa_aktif_dan_sah\"><\/span>Pastikan insurans anda sentiasa aktif dan sah<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebagai pemilik motosikal, pastikan anda sentiasa memiliki perlindungan insurans motor dan<a href=\"https:\/\/bjak.my\/blog\/roadtax-expired-lebih-3-tahun-bagaimana-nak-renew\/\"> cukai jalan<\/a> yang sah. Ingat, penunggang motosikal merupakan kumpulan yang sangat terdedah kepada risiko kemalangan.<\/p>\n\n\n\n<p>Dengan perlindungan insurans, anda boleh membuat claim insurans sekiranya berlaku kemalangan membabitkan anda ketika menunggang motosikal di atas jalan raya.<\/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=cara-claim-insurans-motosikal-kemalangan-sendiri\">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=cara-claim-insurans-motosikal-kemalangan-sendiri\">Dapatkan Insurans<\/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-insurans-motosikal-di-malaysia\/\">Soalan Lazim Mengenai Insurans Motosikal di Malaysia<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-motosikal-perlindungan-single-rider-atau-all-riders\/\">Insurans Motosikal: Perlindungan \u2018Single Rider\u2019 atau \u2018All Riders\u2019?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-claim-insurans-motosikal-dicuri\/\">Cara Claim Insurans Motosikal Dicuri<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Penunggang motosikal sangat terdedah kepada kemalangan. Tahu cara claim insurans motosikal jika terbabit dalam kemalangan sendiri.<\/p>\n","protected":false},"author":4,"featured_media":41648,"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":[641],"tags":[26,633,977],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Claim Insurans Motosikal Kemalangan Sendiri<\/title>\n<meta name=\"description\" content=\"Penunggang motosikal sangat terdedah kepada kemalangan. Tahu cara claim insurans motosikal jika terbabit dalam kemalangan sendiri.\" \/>\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-motosikal\/cara-claim-insurans-motosikal-kemalangan-sendiri\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Claim Insurans Motosikal Kemalangan Sendiri\" \/>\n<meta property=\"og:description\" content=\"Penunggang motosikal sangat terdedah kepada kemalangan. 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