{"id":42293,"date":"2023-08-24T12:49:28","date_gmt":"2023-08-24T04:49:28","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=42293"},"modified":"2023-08-24T12:50:34","modified_gmt":"2023-08-24T04:50:34","slug":"soalan-lazim-mengenai-excess-dalam-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta","title":{"rendered":"Soalan Lazim Mengenai Excess Dalam Insurans Kereta"},"content":{"rendered":"\n<p>Antara klausa penting yang ada dalam polisi insurans atau takaful kereta adalah excess. Apakah itu excess? Dan bagaimanakah ia akan memainkan peranan dalam\u00a0tuntutan insurans kereta?\u00a0<\/p>\n\n\n\n<p>Di sini kami akan kongsikan soalan-soalan lazim mengenai excess dalam <a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">insurans kereta<\/a> serta takaful bagi pemahaman anda.<\/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-69d7228ae736f\" 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-69d7228ae736f\"><\/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\/soalan-lazim-mengenai-excess-dalam-insurans-kereta\/#Apakah_maksud_excess\" title=\"Apakah maksud excess?\">Apakah maksud excess?<\/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\/soalan-lazim-mengenai-excess-dalam-insurans-kereta\/#Apakah_jenis-jenis_excess_yang_ada_untuk_saya_fahami\" title=\"Apakah jenis-jenis excess yang ada untuk saya fahami?\">Apakah jenis-jenis excess yang ada untuk saya fahami?<\/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\/soalan-lazim-mengenai-excess-dalam-insurans-kereta\/#Jenis_tuntutan_apakah_yang_biasanya_akan_dikenakan_excess\" title=\"Jenis tuntutan apakah yang biasanya akan dikenakan excess?\">Jenis tuntutan apakah yang biasanya akan dikenakan excess?<\/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\/soalan-lazim-mengenai-excess-dalam-insurans-kereta\/#Apakah_jenis_tuntutan_yang_tidak_akan_dikenakan_excess\" title=\"Apakah jenis tuntutan yang tidak akan dikenakan excess?\">Apakah jenis tuntutan yang tidak akan dikenakan excess?<\/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\/soalan-lazim-mengenai-excess-dalam-insurans-kereta\/#Ada_ke_syarikat_insurans_atau_takaful_kereta_yang_memberikan_pengecualian_excess_wajib\" title=\"Ada ke syarikat insurans atau takaful kereta yang memberikan pengecualian excess wajib?\">Ada ke syarikat insurans atau takaful kereta yang memberikan pengecualian excess wajib?<\/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\/soalan-lazim-mengenai-excess-dalam-insurans-kereta\/#Adakah_terdapat_cara_untuk_saya_dikecualikan_excess_wajib_selepas_tuntutan_diluluskan\" title=\"Adakah terdapat cara untuk saya dikecualikan excess wajib selepas tuntutan diluluskan?\">Adakah terdapat cara untuk saya dikecualikan excess wajib selepas tuntutan diluluskan?<\/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\/soalan-lazim-mengenai-excess-dalam-insurans-kereta\/#Berapakah_premium_tambahan_yang_mungkin_dikenakan_untuk_manfaat_waiver_of_excess\" title=\"Berapakah premium tambahan yang mungkin dikenakan untuk manfaat waiver of excess?\">Berapakah premium tambahan yang mungkin dikenakan untuk manfaat waiver of excess?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_maksud_excess\"><\/span>Apakah maksud excess?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Excess merujuk kepada jumlah pertama yang perlu anda bayar sendiri bagi setiap tuntutan yang telah diluluskan oleh pihak insurans. Biasanya jumlah atau amaun excess yang perlu pemegang polisi bayar ketika tuntutan sudah ditetapkan di dalam polisi insurans \/ sijil takaful anda. Pihak insurans anda kemudiannya akan membayar baki jumlah tuntutan yang selebihnya.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_jenis-jenis_excess_yang_ada_untuk_saya_fahami\"><\/span>Apakah jenis-jenis excess yang ada untuk saya fahami?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk makluman anda, terdapat dua jenis excess yang ada iaitu:<\/p>\n\n\n\n<ol><li><strong>Compulsory excess atau juga disebut sebagai excess wajib<\/strong><\/li><\/ol>\n\n\n\n<p>Ia merujuk kepada amaun excess tambahan (biasanya sebanyak RM400) yang anda sebagai pemegang polisi perlu bayar, jika berlaku tuntutan di mana pada masa kemalangan itu, anda atau orang yang memandu kereta anda dengan persetujuan anda:<\/p>\n\n\n\n<ul><li>Di bawah umur 21 tahun<\/li><li>Merupakan pemegang lesen memandu percubaan (P) atau sementara (L)<\/li><li>Tidak dinamakan dalam jadual polisi sebagai pemandu dinamakan<\/li><li>Semua yang di atas<\/li><\/ul>\n\n\n\n<ol start=\"2\"><li><strong>Voluntary excess&nbsp;<\/strong><\/li><\/ol>\n\n\n\n<p>Voluntary excess merujuk kepada amaun excess yang tertulis di dalam polisi\/ sijil takaful anda , dan tertakluk kepada setiap tuntutan yang dibuat.&nbsp;<\/p>\n\n\n\n<p>Ada syarikat insurans yang mewajibkan voluntary excess ini,\u00a0tetapi ada juga syarikat insurans yang tidak mengenakannya terhadap pemegang polisi\/ sijil mereka, namun biasanya harga insurans yang perlu dibayar akan menjadi sedikit mahal.<\/p>\n\n\n\n<p>Biasanya, kadar untuk voluntary excess ini adalah berbeza mengikut insurans dan ia bergantung kepada peratusan (%) daripada jumlah perlindungan kereta anda.<\/p>\n\n\n\n<p>Biasanya, voluntary excess ini&nbsp; dikenakan jika:<\/p>\n\n\n\n<ul><li>Pemilik kenderaan berumur kurang 21 tahun<\/li><li>Kenderaan yang diinsuranskan berisiko tinggi untuk hilang<\/li><li>Usia kenderaan yang diinsuranskan sudah lama<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Jenis_tuntutan_apakah_yang_biasanya_akan_dikenakan_excess\"><\/span>Jenis tuntutan apakah yang biasanya akan dikenakan excess?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Biasanya, anda akan dikenakan excess bagi tuntutan untuk kerosakan kenderaan sendiri meskipun kejadian itu bukanlah daripada kesalahan anda. Selain itu, excess juga akan dikenakan jika tuntutan tersebut adalah tuntutan untuk kecurian.<\/p>\n\n\n\n<p>Bagaimanapun, sesetengah syarikat insurans\/ takaful ada memberikan pengecualian excess jika pembaikan kereta dibuat di bengkel panel mereka.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_jenis_tuntutan_yang_tidak_akan_dikenakan_excess\"><\/span>Apakah jenis tuntutan yang tidak akan dikenakan excess?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Biasanya, excess tidak akan dikenakan jika kerosakan pada kereta adalah disebabkan oleh kejadian seperti kebakaran, letupan, kerosakan pihak ketiga serta tuntutan kecederaan pihak ketiga.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Ada_ke_syarikat_insurans_atau_takaful_kereta_yang_memberikan_pengecualian_excess_wajib\"><\/span>Ada ke syarikat insurans atau takaful kereta yang memberikan pengecualian<strong> excess wajib<\/strong>?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ya, ada. Antara contoh syarikat yang memberikan pengecualian excess wajib adalah Takaful Etiqa (tiada caj excess wajib jika anda buat tuntutan asalkan umur anda melebihi 21 tahun), dan juga Takaful Ikhlas menerusi pelan Ikhlas Private Car Comprehensive Plus Takaful yang mana ia memberikan pengecualian untuk excess wajib kepada pemandu tidak dinamakan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_terdapat_cara_untuk_saya_dikecualikan_excess_wajib_selepas_tuntutan_diluluskan\"><\/span>Adakah terdapat cara untuk saya dikecualikan excess wajib selepas tuntutan diluluskan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ya, ada. Caranya adalah dengan mendapatkan perlindungan tambahan \u2018waiver of excess\u2019 ketika anda renew insurans dengan pelan <a href=\"https:\/\/bjak.my\/blog\/kenapa-anda-perlu-beli-insurans-kereta-1st-party\/\">insurans kereta 1st party<\/a>. Namun, tidak semua syarikat insurans ada menyediakan perlindungan tambahan ini ya.&nbsp;<\/p>\n\n\n\n<p>Antara syarikat insurans yang menyediakan perlindungan tambahan waiver of excess wajib adalah MSIG, Liberty Insurance dan Tokio Marine.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapakah_premium_tambahan_yang_mungkin_dikenakan_untuk_manfaat_waiver_of_excess\"><\/span>Berapakah premium tambahan yang mungkin dikenakan untuk manfaat waiver of excess?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Biasanya, premium bagi perlindungan tambahan waiver of excess adalah sekitar RM20 &#8211; RM30 sahaja. Sila semak dengan pihak insurans anda jika ia ada menyediakan perlindungan tambahan ini dalam polisi mereka.&nbsp;<\/p>\n\n\n\n<p>Semoga perkongsian ini bermanfaat!<\/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\u00a0<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=soalan-lazim-mengenai-excess-dalam-insurans-kereta\">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=soalan-lazim-mengenai-excess-dalam-insurans-kereta\">Renew Insurans<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca juga:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">Fahami Jenis-jenis Polisi Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">Insurans Kereta: Panduan Lengkap Untuk Pemilik 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><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Antara klausa penting yang ada dalam polisi insurans atau takaful kereta adalah excess. Apakah itu excess? Dan bagaimanakah ia akan memainkan peranan dalam\u00a0tuntutan insurans kereta?\u00a0 Di sini kami akan kongsikan soalan-soalan lazim mengenai excess dalam insurans kereta serta takaful bagi pemahaman anda. Apakah maksud excess? Excess merujuk kepada jumlah pertama yang perlu anda bayar sendiri&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Soalan Lazim Mengenai Excess Dalam Insurans Kereta<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":42318,"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>Soalan Lazim Mengenai Excess Dalam Insurans Kereta<\/title>\n<meta name=\"description\" content=\"Ketahui pelbagai info mengenai excess dalam insurans kereta menerusi perkongsian yang dibuat dalam artikel ini.\" \/>\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\/soalan-lazim-mengenai-excess-dalam-insurans-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Soalan Lazim Mengenai Excess Dalam Insurans Kereta\" \/>\n<meta property=\"og:description\" content=\"Ketahui pelbagai info mengenai excess dalam insurans kereta menerusi perkongsian yang dibuat dalam artikel ini.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta\" \/>\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=\"2023-08-24T04:49:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-24T04:50:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/FI-BM-8-24-1.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\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! Fastest way to renew in Malaysia!\",\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bjak.my\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#primaryimage\",\"url\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/FI-BM-8-24-1.jpg?fit=1600%2C1012&ssl=1\",\"contentUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/FI-BM-8-24-1.jpg?fit=1600%2C1012&ssl=1\",\"width\":1600,\"height\":1012,\"caption\":\"excess insurans kereta\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta\",\"name\":\"Soalan Lazim Mengenai Excess Dalam Insurans Kereta\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#primaryimage\"},\"datePublished\":\"2023-08-24T04:49:28+00:00\",\"dateModified\":\"2023-08-24T04:50:34+00:00\",\"description\":\"Ketahui pelbagai info mengenai excess dalam insurans kereta menerusi perkongsian yang dibuat dalam artikel ini.\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Soalan Lazim Mengenai Excess Dalam Insurans Kereta\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/ac6242ed7b78cf446e0c0aeb4802a375\"},\"headline\":\"Soalan Lazim Mengenai Excess Dalam Insurans Kereta\",\"datePublished\":\"2023-08-24T04:49:28+00:00\",\"dateModified\":\"2023-08-24T04:50:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#webpage\"},\"wordCount\":598,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/FI-BM-8-24-1.jpg?fit=1600%2C1012&ssl=1\",\"keywords\":[\"BM\",\"insurans kereta\",\"renew insurans\",\"renew online\"],\"articleSection\":[\"Insurans Kereta\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/ac6242ed7b78cf446e0c0aeb4802a375\",\"name\":\"Athirah Hanapiah\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/67ccc05099376966340f5762284125cf?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/67ccc05099376966340f5762284125cf?s=96&d=mm&r=g\",\"caption\":\"Athirah Hanapiah\"},\"description\":\"\\\"A word after a word after a word is power\\\"\",\"url\":\"https:\/\/bjak.my\/blog\/author\/athirahbjak\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Soalan Lazim Mengenai Excess Dalam Insurans Kereta","description":"Ketahui pelbagai info mengenai excess dalam insurans kereta menerusi perkongsian yang dibuat dalam artikel ini.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta","og_locale":"en_US","og_type":"article","og_title":"Soalan Lazim Mengenai Excess Dalam Insurans Kereta","og_description":"Ketahui pelbagai info mengenai excess dalam insurans kereta menerusi perkongsian yang dibuat dalam artikel ini.","og_url":"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2023-08-24T04:49:28+00:00","article_modified_time":"2023-08-24T04:50:34+00:00","og_image":[{"width":1600,"height":1012,"url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/FI-BM-8-24-1.jpg?fit=1600%2C1012&ssl=1","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"Athirah Hanapiah","Est. reading time":"3 minutes"},"schema":{"@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! Fastest way to renew in Malaysia!","publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bjak.my\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#primaryimage","url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/FI-BM-8-24-1.jpg?fit=1600%2C1012&ssl=1","contentUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/FI-BM-8-24-1.jpg?fit=1600%2C1012&ssl=1","width":1600,"height":1012,"caption":"excess insurans kereta"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#webpage","url":"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta","name":"Soalan Lazim Mengenai Excess Dalam Insurans Kereta","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#primaryimage"},"datePublished":"2023-08-24T04:49:28+00:00","dateModified":"2023-08-24T04:50:34+00:00","description":"Ketahui pelbagai info mengenai excess dalam insurans kereta menerusi perkongsian yang dibuat dalam artikel ini.","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Soalan Lazim Mengenai Excess Dalam Insurans Kereta"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/ac6242ed7b78cf446e0c0aeb4802a375"},"headline":"Soalan Lazim Mengenai Excess Dalam Insurans Kereta","datePublished":"2023-08-24T04:49:28+00:00","dateModified":"2023-08-24T04:50:34+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#webpage"},"wordCount":598,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-excess-dalam-insurans-kereta#primaryimage"},"thumbnailUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/FI-BM-8-24-1.jpg?fit=1600%2C1012&ssl=1","keywords":["BM","insurans kereta","renew insurans","renew online"],"articleSection":["Insurans Kereta"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/ac6242ed7b78cf446e0c0aeb4802a375","name":"Athirah Hanapiah","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/67ccc05099376966340f5762284125cf?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/67ccc05099376966340f5762284125cf?s=96&d=mm&r=g","caption":"Athirah Hanapiah"},"description":"\"A word after a word after a word is power\"","url":"https:\/\/bjak.my\/blog\/author\/athirahbjak"}]}},"jetpack_featured_media_url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/FI-BM-8-24-1.jpg?fit=1600%2C1012&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/42293"}],"collection":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=42293"}],"version-history":[{"count":8,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/42293\/revisions"}],"predecessor-version":[{"id":42326,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/42293\/revisions\/42326"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/42318"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=42293"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=42293"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=42293"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}