{"id":42709,"date":"2023-09-18T13:56:20","date_gmt":"2023-09-18T05:56:20","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=42709"},"modified":"2025-10-30T23:53:05","modified_gmt":"2025-10-30T15:53:05","slug":"soalan-lazim-mengenai-deductible-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-deductible-insurans-kereta","title":{"rendered":"Soalan Lazim Mengenai Deductible Insurans Kereta"},"content":{"rendered":"\n<p>Deductible dalam <a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">insurans kereta<\/a> merujuk kepada\u00a0jumlah tetap yang telah anda bersetuju untuk bayar sebelum syarikat insurans anda mula memberikan pampasan bagi kerugian akibat kemalangan.<\/p>\n\n\n\n<p>Tanpa lengahkan masa, kami ingin menjawab beberapa persoalan lazim mengenai deductible agar anda dapat memahaminya dengan lebih lanjut dan mendalam.<\/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-69d70ed0d9323\" 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-69d70ed0d9323\"><\/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-deductible-insurans-kereta\/#Adakah_kadar_tahap_deductible_yang_berbeza_akan_mempengaruhi_premium_insurans\" title=\"Adakah kadar\/ tahap deductible yang berbeza akan mempengaruhi premium insurans?\">Adakah kadar\/ tahap deductible yang berbeza akan mempengaruhi premium 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\/soalan-lazim-mengenai-deductible-insurans-kereta\/#Apakah_kekurangan_menetapkan_kadar_deductible_yang_tinggi\" title=\"Apakah kekurangan menetapkan kadar deductible yang tinggi?&nbsp;\">Apakah kekurangan menetapkan kadar deductible yang tinggi?&nbsp;<\/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-deductible-insurans-kereta\/#Adakah_rekod_memandu_seseorang_akan_menjejaskan_pilihan_deductible\" title=\"Adakah rekod memandu seseorang akan menjejaskan pilihan deductible?\">Adakah rekod memandu seseorang akan menjejaskan pilihan deductible?<\/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-deductible-insurans-kereta\/#Adakah_saya_perlu_membayar_deductible_jika_saya_melanggar_kereta\" title=\"Adakah saya perlu membayar deductible jika saya melanggar kereta?\">Adakah saya perlu membayar deductible jika saya melanggar kereta?<\/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-deductible-insurans-kereta\/#Adakah_saya_perlu_membayar_deductible_jika_saya_tidak_bersalah\" title=\"Adakah saya perlu membayar deductible jika saya tidak bersalah?\">Adakah saya perlu membayar deductible jika saya tidak bersalah?<\/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-deductible-insurans-kereta\/#Adakah_lebih_baik_jika_tidak_mempunyai_deductible_dan_bayar_premium_yang_lebih_tinggi\" title=\"Adakah lebih baik jika tidak mempunyai deductible dan bayar premium yang lebih tinggi?\">Adakah lebih baik jika tidak mempunyai deductible dan bayar premium yang lebih tinggi?<\/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-deductible-insurans-kereta\/#Fahami_deductible_insurans_kereta\" title=\"Fahami deductible insurans kereta\">Fahami deductible insurans kereta<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Adakah_kadar_tahap_deductible_yang_berbeza_akan_mempengaruhi_premium_insurans\"><\/span>Adakah kadar\/ tahap deductible yang berbeza akan mempengaruhi premium insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ya, kadar atau jumlah deductible anda akan mempengaruhi <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium insurans kereta<\/a> yang bakal ditetapkan. Secara amnya, kadar deductible yang lebih tinggi akan membuatkan premium insurans anda menjadi lebih murah kerana anda secara tidak langsung telah bersetuju untuk mengeluarkan perbelanjaan yang lebih banyak menggunakan wang sendiri ketika tuntutan insurans nanti.<\/p>\n\n\n\n<p>Nisbah di antara deductible-premium juga mungkin berbeza-beza mengikut syarikat insurans kerana setiap syarikat biasanya mempunyai peraturan yang berbeza mengenai cara deductible dimasukkan ke dalam polisi insurans kereta. Tetapi secara keseluruhan, sekiranya anda meningkatkan kadar deductible contohnya dari RM500 kepada RM1,000, maka ia akan mengurangkan kos premium insurans anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_kekurangan_menetapkan_kadar_deductible_yang_tinggi\"><\/span>Apakah kekurangan menetapkan kadar deductible yang tinggi?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kita andaikan seorang pemandu tidak dinamakan telah memandu kereta anda sehingga menyebabkan kemalangan, dengan kos kerugian yang dialami adalah sebanyak RM500.<\/p>\n\n\n\n<p>Jika kadar deductible yang telah ditetapkan ketika renew insurans sebelum ini adalah RM1,000, ini bermakna anda sebagai pemilik kenderaan perlu tanggung\/ bayar sendiri kos kerugian sebanyak RM500 itu. Namun, jika deductible yang anda tetapkan dahulu adalah RM200 sahaja, maka anda hanya perlu mengeluarkan wang RM200 dan baki RM300 lagi akan ditanggung oleh pihak insurans.&nbsp;&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_rekod_memandu_seseorang_akan_menjejaskan_pilihan_deductible\"><\/span>Adakah rekod memandu seseorang akan menjejaskan pilihan deductible?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ya, rekod pemanduan seseorang akan mempengaruhi ketetapan kadar deductible. Individu dengan rekod yang bersih biasanya layak mendapat deductible yang lebih tinggi untuk membolehkan premium dibayar lebih rendah, manakala individu dengan rekod yang kurang bersih pula akan dikenakan kadar deductible yang lebih sedikit dan secara tidak langsung terpaksa membayar premium yang lebih mahal.<\/p>\n\n\n\n<p>Pada masa yang sama, jika anda menetap atau kerap memandu di sekitar kawasan yang sering berlaku kemalangan, adalah lebih baik untuk mempertimbangkan deductible yang rendah\/ premium yang lebih tinggi kerana ia akan menjimatkan wang anda dikemudian hari.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_saya_perlu_membayar_deductible_jika_saya_melanggar_kereta\"><\/span>Adakah saya perlu membayar deductible jika saya melanggar kereta?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda tidak perlu membayar deduktibel jika anda mengalami kemalangan tanpa merosakkan kereta anda. Dalam kes ini, perlindungan liabiliti anda akan melindungi kecederaan serta\u00a0kerosakan harta benda pemandu lain, yang tidak memerlukan \u2018yuran\u2019 deductible ini. Tetapi jika kenderaan anda sendiri rosak dan anda perlu failkan tuntutan untuk membuat pembaikan, maka anda perlu membayar deductible seperti yang telah ditetapkan di dalam polisi anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_saya_perlu_membayar_deductible_jika_saya_tidak_bersalah\"><\/span>Adakah saya perlu membayar deductible jika saya tidak bersalah?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika pemandu lain disahkan bersalah, syarikat insurans pihak tersebut akan membayar pampasan kepada anda untuk pembaikan kereta anda itu sekiranya anda ada memfailkan tuntutan. Jika anda mempunyai perlindungan untuk pelanggaran, anda juga boleh buat tuntutan melalui syarikat insurans anda dahulu, dan anda akan mendapat bayaran balik (termasuk deductible anda) daripada syarikat insurans pihak ketiga. Jika kemalangan itu adalah kesalahan daripada dua-dua pihak, maka anda boleh membayar semua atau sebahagian daripada caj deductible insurans kereta anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_lebih_baik_jika_tidak_mempunyai_deductible_dan_bayar_premium_yang_lebih_tinggi\"><\/span>Adakah lebih baik jika tidak mempunyai deductible dan bayar premium yang lebih tinggi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ia bergantung juga, kerana seseorang yang memilih deductible yang rendah dengan premium yang lebih tinggi boleh melalui tempoh 10 tahun tanpa memfailkan tuntutan insurans. Dalam kes ini, individu itu secara tidak langsung telah mengeluarkan lebih banyak wang (untuk bayar insuransnya yang mahal) berbanding seseorang yang menetapkan kadar deductible yang lebih tinggi.<\/p>\n\n\n\n<p>Dengan mengandaikan bahawa kedua-dua individu itu tidak pernah mengalami sebarang kemalangan dan membuat tuntutan, maka individu yang memilih tetapan caj deductible yang lebih rendah sebenarnya sebenarnya lebih rugi dan telah membelanjakan lebih banyak wang untuk premium insurans keretanya.&nbsp;<\/p>\n\n\n\n<p>Sebaliknya,\u00a0jika seseorang itu merasakan akan kerap memfailkan beberapa tuntutan insurans dalam tempoh setahun, jadi adalah lebih baik untuk menetapkan kadar deductible yang lebih rendah agar mereka tidak perlu menanggung sebahagian besar kos pembaikan nanti.\u00a0<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Fahami_deductible_insurans_kereta\"><\/span>Fahami deductible insurans kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bagi mengelakkan sebarang masalah dan salah faham khususnya ketika tuntutan insurans nanti, maka sangat penting untuk anda fahami bagaimana caj deductible ini berfungsi. Jika anda mempunyai sebarang kekeliruan tentang mana-mana terma, syarat atau istilah dalam polisi insurans anda, dapatkan sahaja bantuan daripada pihak insurans anda untuk penjelasan lanjut agar ia tidak merugikan anda ketika melakukan pembaharuan insurans, dan juga akan datang!<\/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-deductible-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-deductible-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\/soalan-lazim-mengenai-excess-dalam-insurans-kereta\/\">Soalan Lazim Mengenai Excess Dalam Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/soalan-lazim-mengenai-betterment-dalam-insurans-kereta\/\">Soalan Lazim Mengenai Betterment Dalam Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/tuntutan-insurans-kereta-akibat-kemalangan\/#Tuntutan_Pihak_Ketiga\">Nak Claim Insurans? Ketahui Dulu Jenis-Jenis Tuntutan Insurans &amp; Caranya<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Deductible insurans kereta merujuk kepada\u00a0 jumlah tetap yang anda setuju untuk bayar sebelum syarikat insurans anda mula memberikan pampasan.<\/p>\n","protected":false},"author":4,"featured_media":42927,"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":[26,243,465],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Soalan Lazim Mengenai Deductible Insurans Kereta<\/title>\n<meta name=\"description\" content=\"Deductible insurans kereta merujuk kepada\u00a0 jumlah tetap yang anda setuju untuk bayar sebelum syarikat insurans anda mula memberikan pampasan.\" \/>\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-deductible-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 Deductible Insurans Kereta\" \/>\n<meta property=\"og:description\" content=\"Deductible insurans kereta merujuk kepada\u00a0 jumlah tetap yang anda setuju untuk bayar sebelum syarikat insurans anda mula memberikan pampasan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/soalan-lazim-mengenai-deductible-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=\"2023-09-18T05:56:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T15:53:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/FI-BM-A131.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=\"4 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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