{"id":43117,"date":"2023-09-25T12:14:00","date_gmt":"2023-09-25T04:14:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=43117"},"modified":"2023-09-24T22:15:56","modified_gmt":"2023-09-24T14:15:56","slug":"%e6%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%9d%a1%e6%ac%be%e6%8c%87%e5%8d%97","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%9d%a1%e6%ac%be%e6%8c%87%e5%8d%97","title":{"rendered":"\u65b0\u624b\u53f8\u673a\u5fc5\u987b\u77e5\u9053\u7684\u6c7d\u8f66\u4fdd\u9669\u6761\u6b3e\u6307\u5357"},"content":{"rendered":"\n<p>\u4e70\u4e86\u8f66\u5b50\u540e\uff0c\u9664\u4e86\u6bcf\u6708\u7f34\u8fd8\u8f66\u8d37\uff0c\u6bcf\u5e74\u6309\u65f6\u66f4\u65b0\u8f66\u9669\u548c\u8def\u7a0e\u4e5f\u662f\u5fc5\u8981\u7684\u4efb\u52a1\u3002\u5bf9\u4e8e\u65b0\u624b\u53f8\u673a\u6765\u8bf4\uff0c\u5728\u66f4\u65b0\u8f66\u9669\u65f6\uff0c\u53ef\u80fd\u4f1a\u9047\u5230\u4e00\u4e9b\u96be\u4ee5\u7406\u89e3\u7684\u4fdd\u9669\u6761\u6b3e\u3002\u9274\u4e8e\u4fdd\u8d39\u76f8\u5f53\u6602\u8d35\uff0c\u6bd5\u7adf\u6d89\u53ca\u5230\u60a8\u8f9b\u82e6\u8d5a\u6765\u7684\u8840\u6c57\u94b1\uff0c\u56e0\u6b64\u6df1\u5165\u4e86\u89e3\u60a8\u6240\u8d2d\u4e70\u7684\u4fdd\u5355\u663e\u5f97\u5c24\u4e3a\u91cd\u8981\u3002<\/p>\n\n\n\n<p>\u4e3a\u4e86\u5e2e\u52a9\u60a8\u66f4\u597d\u5730\u7406\u89e3\u60a8\u7684\u4fdd\u5355\uff0c\u4ee5\u4e0b\u662f\u4e00\u4e9b\u60a8\u5fc5\u987b\u719f\u6089\u7684\u6c7d\u8f66\u4fdd\u9669\u6761\u6b3e\u3002<\/p>\n\n\n\n<div 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href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%9d%a1%e6%ac%be%e6%8c%87%e5%8d%97\/#%E4%BF%9D%E8%B4%B9%EF%BC%88Premium%EF%BC%89\" title=\"\u4fdd\u8d39\uff08Premium\uff09\">\u4fdd\u8d39\uff08Premium\uff09<\/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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%9d%a1%e6%ac%be%e6%8c%87%e5%8d%97\/#%E6%97%A0%E7%B4%A2%E5%81%BF%E6%8A%98%E6%89%A3%EF%BC%88NCD%EF%BC%89\" title=\"\u65e0\u7d22\u507f\u6298\u6263\uff08NCD\uff09\">\u65e0\u7d22\u507f\u6298\u6263\uff08NCD\uff09<\/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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%9d%a1%e6%ac%be%e6%8c%87%e5%8d%97\/#%E9%99%84%E5%8A%A0%E4%BF%9D%E9%99%A9%EF%BC%88Additional_coverages%EF%BC%89\" title=\"\u9644\u52a0\u4fdd\u9669\uff08Additional coverages\uff09\">\u9644\u52a0\u4fdd\u9669\uff08Additional coverages\uff09<\/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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%9d%a1%e6%ac%be%e6%8c%87%e5%8d%97\/#%E5%B8%82%E5%9C%BA%E4%BB%B7%E5%80%BC%EF%BC%88Market_Value%EF%BC%89%E5%92%8C%E7%BA%A6%E5%AE%9A%E4%BB%B7%E5%80%BC%EF%BC%88Agreed_Value%EF%BC%89\" title=\"\u5e02\u573a\u4ef7\u503c\uff08Market Value\uff09\u548c\u7ea6\u5b9a\u4ef7\u503c\uff08Agreed Value\uff09\">\u5e02\u573a\u4ef7\u503c\uff08Market Value\uff09\u548c\u7ea6\u5b9a\u4ef7\u503c\uff08Agreed Value\uff09<\/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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%9d%a1%e6%ac%be%e6%8c%87%e5%8d%97\/#%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%EF%BC%88Excess%EF%BC%89\" title=\"\u81ea\u4ed8\u91d1\u989d\uff08Excess\uff09\">\u81ea\u4ed8\u91d1\u989d\uff08Excess\uff09<\/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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%9d%a1%e6%ac%be%e6%8c%87%e5%8d%97\/#%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%EF%BC%88Betterment%EF%BC%89\" title=\"\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff08Betterment\uff09\">\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff08Betterment\uff09<\/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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%96%b0%e6%89%8b%e5%8f%b8%e6%9c%ba%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%9d%a1%e6%ac%be%e6%8c%87%e5%8d%97\/#%E9%A2%9D%E5%A4%96%E4%BF%9D%E8%B4%B9%EF%BC%88Loading%EF%BC%89\" title=\"\u989d\u5916\u4fdd\u8d39\uff08Loading\uff09&nbsp;\">\u989d\u5916\u4fdd\u8d39\uff08Loading\uff09&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E4%BF%9D%E8%B4%B9%EF%BC%88Premium%EF%BC%89\"><\/span><strong>\u4fdd\u8d39\uff08Premium\uff09<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4fdd\u8d39\u6307\u7684\u662f\u60a8\uff08\u6295\u4fdd\u8005\uff09\u5411\u4fdd\u9669\u516c\u53f8\u652f\u4ed8\u7684\u6c7d\u8f66\u4fdd\u9669\u603b\u989d\uff0c\u4ee5\u4fbf\u8ba9\u8f66\u5b50\u83b7\u5f97\u4fdd\u969c\u3002<\/p>\n\n\n\n<p>\u57282017\u5e747\u67081\u65e5\u4e4b\u524d\uff0c\u9a6c\u6765\u897f\u4e9a\u6240\u6709\u4fdd\u9669\u516c\u53f8\u6240\u63d0\u4f9b\u7684\u6c7d\u8f66\u4fdd\u9669\u4fdd\u8d39\u90fd\u5927\u81f4\u76f8\u540c\uff0c\u4f46\u4ece2017\u5e747\u67081\u65e5\u5f00\u59cb\uff0c\u56fd\u5bb6\u94f6\u884c\u843d\u5b9e\u4e86\u8f66\u9669\u81ea\u7531\u6d6e\u52a8\u5b9a\u4ef7\u673a\u5236\u540e\uff0c\u4fdd\u9669\u516c\u53f8\u4fbf\u6839\u636e\u51e0\u4e2a\u56e0\u7d20\u51b3\u5b9a\u8f66\u9669\u4fdd\u8d39\uff0c\u5176\u4e2d\u5305\u62ec\uff1a\u9a7e\u9a76\u8bb0\u5f55\u3001\u5c45\u4f4f\u5730\u533a\u3001\u8f66\u4e3b\u804c\u4e1a\u3001\u8f66\u4e3b\u5e74\u9f84\u7b49\u7b49\u3002\u56e0\u6b64\uff0c\u5bf9\u4e8e\u8f66\u4e3b\u6765\u8bf4\uff0c\u62e5\u6709\u4e86\u66f4\u591a\u7684\u9009\u62e9\uff0c\u56e0\u4e3a\u5404\u5bb6\u4fdd\u9669\u516c\u53f8\u90fd\u4f1a\u63d0\u4f9b\u4e0d\u540c\u7684\u4fdd\u8d39\u548c\u4fdd\u9669\u914d\u5957\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E6%97%A0%E7%B4%A2%E5%81%BF%E6%8A%98%E6%89%A3%EF%BC%88NCD%EF%BC%89\"><\/span><strong>\u65e0\u7d22\u507f\u6298\u6263\uff08NCD\uff09<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u65e0\u7d22\u507f\u6298\u6263\uff08NCD\uff09\uff0c\u5373Non-Claim Discount\uff0c\u5b9e\u9645\u4e0a\u662f\u4fdd\u9669\u516c\u53f8\u4e3a\u90a3\u4e9b\u4ece\u672a\u63d0\u51fa\u8fc7\u7d22\u8d54\u7684\u8f66\u4e3b\u63d0\u4f9b\u7684\u5956\u52b1\u8ba1\u5212\u3002\u56e0\u6b64\uff0c\u53ea\u8981\u60a8\u7684\u9a7e\u9a76\u8bb0\u5f55\u826f\u597d\uff0c\u6ca1\u6709\u7d22\u8d54\u8bb0\u5f55\uff0c\u65e0\u7d22\u507f\u6298\u6263\u7387\u5c31\u4f1a\u9010\u5e74\u589e\u52a0\uff0c\u6700\u9ad8\u53ef\u8fbe55%\u3002\u4e3e\u4f8b\u6765\u8bf4\uff0c\u5982\u679c\u60a8\u7684\u4fdd\u8d39\u662fRM1000\uff0c\u4f46\u6263\u9664\u4e8655%\u7684NCD\u540e\uff0c\u60a8\u53ea\u9700\u8981\u652f\u4ed8RM550\uff0c\u662f\u4e0d\u662f\u5728\u66f4\u65b0\u8f66\u9669\u4e0a\u8282\u7701\u4e86\u5f88\u591a\u5462\uff1f<\/p>\n\n\n\n<p>\u4f46\u662f\uff0c\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5982\u679c\u60a8\u5df2\u7ecf\u7d2f\u79ef\u523055%\u7684\u65e0\u7d22\u507f\u6298\u6263\uff0c\u4f46\u5728\u540c\u4e00\u5e74\u56e0\u4e3a\u53d1\u751f\u4ea4\u901a\u610f\u5916\uff0c\u800c\u5411\u4fdd\u9669\u516c\u53f8\u63d0\u51fa\u7d22\u8d54\uff0c\u90a3\u4e48\u60a8\u7684\u65e0\u7d22\u507f\u6298\u6263\u5c06\u91cd\u65b0\u4ece0%\u5f00\u59cb\u7d2f\u79ef\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"42785\" data-permalink=\"https:\/\/bjak.my\/blog\/info\/what-to-do-if-your-car-is-flooded\/attachment\/flooded-cars__8718\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Flooded-Cars__8718.jpg?fit=940%2C627&amp;ssl=1\" data-orig-size=\"940,627\" 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;1&quot;}\" data-image-title=\"Flooded-Cars__8718\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Flooded-Cars__8718.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Flooded-Cars__8718.jpg?fit=940%2C627&amp;ssl=1\" loading=\"lazy\" width=\"940\" height=\"627\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Flooded-Cars__8718.jpg?resize=940%2C627&#038;ssl=1\" alt=\"Flooded vehicle\" class=\"wp-image-42785\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Flooded-Cars__8718.jpg?w=940&amp;ssl=1 940w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Flooded-Cars__8718.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Flooded-Cars__8718.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Flooded-Cars__8718.jpg?resize=930%2C620&amp;ssl=1 930w\" sizes=\"(max-width: 940px) 100vw, 940px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E9%99%84%E5%8A%A0%E4%BF%9D%E9%99%A9%EF%BC%88Additional_coverages%EF%BC%89\"><\/span><strong>\u9644\u52a0\u4fdd\u9669\uff08Additional coverages\uff09<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u9644\u52a0\u4fdd\u9669\u6307\u7684\u662f\u4e0d\u5305\u542b\u5728\u60a8\u4fdd\u9669\u914d\u5957\u4e2d\u7684\u4fdd\u969c\uff0c\u60a8\u53ef\u4ee5\u6839\u636e\u4e2a\u4eba\u9700\u6c42\u6765\u8d2d\u4e70\u3002\u4ee5\u4e0b\u662f\u4e00\u822c\u4fdd\u9669\u516c\u53f8\u4f1a\u63d0\u4f9b\u7684\u989d\u5916\u4fdd\u969c\uff1a<\/p>\n\n\n\n<p>1. \u81ea\u7136\u707e\u5bb3\u4fdd\u969c<\/p>\n\n\n\n<p>2. \u6c7d\u8f66\u5927\u955c\u4fdd\u969c<\/p>\n\n\n\n<p>3. \u989d\u5916\u53f8\u673a\u4fdd\u969c<\/p>\n\n\n\n<p>4. \u6c7d\u8f66\u914d\u4ef6\u4fdd\u969c<\/p>\n\n\n\n<p>5. \u9a9a\u4e71\u6216\u6c11\u4e8b\u7834\u574f<\/p>\n\n\n\n<p>6. \u4e58\u5ba2\u6cd5\u5f8b\u8d23\u4efb<\/p>\n\n\n\n<p>7. \u8bc4\u4f30\u7ef4\u4fee\u65f6\u95f4\u8865\u507f\uff08CART\uff09<\/p>\n\n\n\n<p>8. \u65e0\u9650\u6b21\u62d6\u8f66\u670d\u52a1<\/p>\n\n\n\n<p>9. \u4eba\u8eab\u610f\u5916\u4fdd\u9669<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E5%B8%82%E5%9C%BA%E4%BB%B7%E5%80%BC%EF%BC%88Market_Value%EF%BC%89%E5%92%8C%E7%BA%A6%E5%AE%9A%E4%BB%B7%E5%80%BC%EF%BC%88Agreed_Value%EF%BC%89\"><\/span><strong>\u5e02\u573a\u4ef7\u503c\uff08Market Value\uff09\u548c\u7ea6\u5b9a\u4ef7\u503c\uff08Agreed Value\uff09<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6c7d\u8f66\u4fdd\u9669\u7684\u4fdd\u989d\u7531\u6c7d\u8f66\u7684\u5e02\u573a\u4ef7\u503c\u6216\u7ea6\u5b9a\u4ef7\u503c\u6765\u51b3\u5b9a\u3002<\/p>\n\n\n\n<p>\u5e02\u573a\u4ef7\u503c\uff1a\u6307\u7684\u662f\u6839\u636e\u5f53\u524d\u5e02\u573a\u4ef7\u683c\u4f30\u7b97\u51fa\u60a8\u7684\u6c7d\u8f66\u4ef7\u503c\u3002\u6c7d\u8f66\u5e02\u573a\u4ef7\u503c\u5f80\u5f80\u4f1a\u56e0\u6c7d\u8f66\u54c1\u724c\u3001\u8f66\u578b\u53ca\u751f\u4ea7\u5e74\u4efd\u800c\u6709\u6240\u4e0d\u540c\u3002\u4e3e\u4e2a\u4f8b\u5b50\uff1a\u5047\u8bbe\u60a8\u6295\u4fdd\u7684\u4fdd\u989d\u662fRM50,000\uff0c\u4f46\u5728\u53d1\u751f\u5168\u635f\u7d22\u8d54\u65f6\uff0c\u60a8\u5c06\u4f1a\u5f97\u5230\u5c11\u4e8eRM50,000\u7684\u8d54\u507f\u3002\u8fd9\u662f\u56e0\u4e3a\u8f66\u5b50\u7684\u5e02\u573a\u4ef7\u503c\u5df2\u7ecf\u4e0b\u964d\uff0c\u800c\u8d54\u507f\u91d1\u662f\u6839\u636e\u60a8\u63d0\u51fa\u7d22\u8d54\u65f6\u7684\u5e02\u573a\u4ef7\u503c\u6765\u8ba1\u7b97\u7684\u3002<\/p>\n\n\n\n<p>\u7ea6\u5b9a\u4ef7\u503c\uff1a\u6307\u7684\u662f\u60a8\u4e0e\u4fdd\u9669\u516c\u53f8\u53cc\u65b9\u534f\u5546\u786e\u5b9a\u7684\u6307\u5b9a\u91d1\u989d\uff0c\u4e0d\u4f1a\u56e0\u8f66\u5b50\u5e02\u573a\u4ef7\u503c\u7684\u4e0b\u964d\u800c\u6539\u53d8\u3002\u4e3e\u4e2a\u4f8b\u5b50\uff1a\u5047\u8bbe\u60a8\u548c\u4fdd\u9669\u516c\u53f8\u7ea6\u5b9a\u4e86RM50,000\u7684\u4fdd\u9669\u91d1\u989d\uff0c\u90a3\u4e48\u53d1\u751f\u5168\u635f\u7d22\u8d54\u65f6\uff0c\u60a8\u5c06\u5f97\u5230RM50,000\u7684\u8d54\u507f\u3002\u5373\u4f7f\u5728\u60a8\u63d0\u51fa\u7d22\u8d54\u65f6\uff0c\u8f66\u5b50\u7684\u5e02\u573a\u4ef7\u503c\u5df2\u7ecf\u4e0b\u6ed1\uff0c\u4f46\u8d54\u507f\u91d1\u4e5f\u4e0d\u4f1a\u53d7\u5230\u5f71\u54cd\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"39039\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-policy-price\/attachment\/pexels-torsten-dettlaff-70912\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-torsten-dettlaff-70912.jpg?fit=640%2C400&amp;ssl=1\" data-orig-size=\"640,400\" 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=\"car insurance premium\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-torsten-dettlaff-70912.jpg?fit=300%2C188&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-torsten-dettlaff-70912.jpg?fit=640%2C400&amp;ssl=1\" loading=\"lazy\" width=\"640\" height=\"400\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-torsten-dettlaff-70912.jpg?resize=640%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-39039\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-torsten-dettlaff-70912.jpg?w=640&amp;ssl=1 640w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-torsten-dettlaff-70912.jpg?resize=300%2C188&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-torsten-dettlaff-70912.jpg?resize=353%2C220&amp;ssl=1 353w\" sizes=\"(max-width: 640px) 100vw, 640px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%EF%BC%88Excess%EF%BC%89\"><\/span><strong>\u81ea\u4ed8\u91d1\u989d\uff08Excess\uff09<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u81ea\u4ed8\u91d1\u989d\u6307\u7684\u662f\u7d22\u8d54\u4fdd\u9669\u65f6\u9700\u8981\u9884\u5148\u57ab\u4ed8\u7684\u6b3e\u9879\uff0c\u5c31\u7b97\u60a8\u4e0d\u662f\u8087\u4e8b\u8005\uff0c\u4e5f\u5fc5\u987b\u5148\u4ed8\u8fd9\u7b14\u6b3e\u9879\u3002\u4f46\u8981\u6ce8\u610f\u7684\u662f\uff0c\u81ea\u4ed8\u91d1\u989d\u5e76\u4e0d\u5305\u62ec\u706b\u707e\u9020\u6210\u7684\u635f\u574f\u3001\u7206\u70b8\u3001\u7b2c\u4e09\u65b9\u7684\u635f\u574f\uff0c\u4e5f\u4e0d\u5305\u62ec\u7b2c\u4e09\u65b9\u7684\u53d7\u4f24\u7d22\u8d54\u3002<\/p>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff1a\u9648\u5148\u751f\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669\u65f6\u7684\u81ea\u4ed8\u91d1\u989d\u4e3aRM500\u3002\u6709\u4e00\u5929\uff0c\u4ed6\u53d1\u751f\u4e86\u4ea4\u901a\u610f\u5916\u9700\u8981\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\u603b\u6570\u4e3aRM4,000\u7684\u6c7d\u8f66\u7ef4\u4fee\u8d39\u3002\u7531\u4e8e\u4fdd\u5355\u91cc\u7684\u81ea\u4ed8\u91d1\u989d\u4e3aRM500\uff0c\u56e0\u6b64\u9648\u5148\u751f\u5fc5\u987b\u81ea\u4ed8RM500\uff0c\u5269\u4f59\u7684RM3,500\u5219\u7531\u4fdd\u9669\u516c\u53f8\u627f\u62c5\u3002<\/p>\n\n\n\n<p>\u5fc5\u987b\u6ce8\u610f\u7684\u662f\uff0c\u81ea\u4ed8\u91d1\u989d\u6709\u5206\u62102\u4e2a\u7c7b\u578b\uff1a<\/p>\n\n\n\n<p><strong>1. \u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\uff08Voluntary Excess\uff09<\/strong><\/p>\n\n\n\n<p>\u5bf9\u4e8e\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\uff0c\u6709\u7684\u4fdd\u9669\u516c\u53f8\u4f1a\u5f3a\u5236\u6027\u6536\u8d39\uff0c\u6709\u7684\u4fdd\u9669\u516c\u53f8\u5219\u4e0d\u989d\u5916\u6536\u8d39\uff0c\u4f46\u4fdd\u8d39\u4f1a\u589e\u52a0\u3002\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\u7684\u6536\u8d39\u6807\u51c6\u56e0\u5404\u5bb6\u4fdd\u9669\u516c\u53f8\u800c\u5f02\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u8f66\u4e3b\u7b26\u5408\u4ee5\u4e0b\u7684\u60c5\u51b5\uff0c\u5c31\u5fc5\u987b\u652f\u4ed8\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\uff1a<\/p>\n\n\n\n<p>&#8211; \u5e74\u8f7b\u8f66\u4e3b\uff0821\u5c81\u4ee5\u4e0b\uff09<\/p>\n\n\n\n<p>&#8211; \u6709\u5931\u7a83\u98ce\u9669\u7684\u8f66\u8f86<\/p>\n\n\n\n<p>&#8211; \u8f66\u9f84\u5927\u7684\u8f66\u8f86<\/p>\n\n\n\n<p><strong>2. \u5f3a\u5236\u6027\u81ea\u4ed8\u91d1\u989d\uff08Compulsory Excess\uff09<\/strong><\/p>\n\n\n\n<p>\u5f3a\u5236\u6027\u81ea\u4ed8\u91d1\u989d\u6307\u7684\u662f\u8f66\u4e3b\u5fc5\u987b\u989d\u5916\u652f\u4ed8\u7684\u56fa\u5b9a\u6b3e\u989dRM400\u3002\u5982\u679c\u5728\u4e8b\u6545\u53d1\u751f\u5e76\u63d0\u51fa\u7d22\u8d54\u65f6\uff0c\u8f66\u4e3b\u7b26\u5408\u4ee5\u4e0b\u7684\u60c5\u51b5\uff0c\u5c31\u5fc5\u987b\u652f\u4ed8\u8fd9\u7b14\u6b3e\u989d\uff1a<\/p>\n\n\n\n<p>&#8211; 21\u5c81\u4ee5\u4e0b<\/p>\n\n\n\n<p>&#8211; \u6301\u6709\u8bd5\u7528 (P) \u6216\u4e34\u65f6 (L) \u9a7e\u9a76\u6267\u7167<\/p>\n\n\n\n<p>&#8211; \u9a7e\u9a76\u8005\u540d\u5b57\u6ca1\u6709\u5217\u5728\u4fdd\u5355\u91cc<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"39031\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/long-distance-driving-tips\/attachment\/muscular-car-service-worker-repairing-vehicle\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/muscular-car-service-worker-repairing-vehicle.jpg?fit=1000%2C621&amp;ssl=1\" data-orig-size=\"1000,621\" 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=\"long distance driving\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/muscular-car-service-worker-repairing-vehicle.jpg?fit=300%2C186&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/muscular-car-service-worker-repairing-vehicle.jpg?fit=1000%2C621&amp;ssl=1\" loading=\"lazy\" width=\"1000\" height=\"621\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/muscular-car-service-worker-repairing-vehicle.jpg?resize=1000%2C621&#038;ssl=1\" alt=\"\" class=\"wp-image-39031\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/muscular-car-service-worker-repairing-vehicle.jpg?w=1000&amp;ssl=1 1000w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/muscular-car-service-worker-repairing-vehicle.jpg?resize=300%2C186&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/muscular-car-service-worker-repairing-vehicle.jpg?resize=768%2C477&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/muscular-car-service-worker-repairing-vehicle.jpg?resize=353%2C220&amp;ssl=1 353w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%EF%BC%88Betterment%EF%BC%89\"><\/span><strong>\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff08Betterment\uff09<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u989d\u5916\u4fee\u8f66\u8d39\u7528\u901a\u5e38\u53ea\u51fa\u73b0\u5728\u8f66\u9f84\u8d85\u8fc75\u5e74\u4ee5\u4e0a\u7684\u8f66\u9669\u4fdd\u5355\u3002\u56e0\u4e3a\u968f\u7740\u6c7d\u8f66\u4f7f\u7528\u5e74\u9650\u7684\u589e\u52a0\uff0c\u8f66\u4e0a\u7684\u5f88\u591a\u96f6\u4ef6\u4e5f\u90fd\u5f00\u59cb\u8001\u5316\uff0c\u56e0\u6b64\u4e00\u65e6\u53d1\u751f\u8f66\u7978\u5e76\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\u65f6\uff0c\u5f88\u53ef\u80fd\u65e0\u6cd5\u83b7\u5f97\u65b0\u7684\u539f\u88c5\u96f6\u4ef6\u8d54\u507f\u3002<\/p>\n\n\n\n<p>\u4e3a\u6b64\uff0c\u4fdd\u9669\u516c\u53f8\u901a\u5e38\u4f1a\u9009\u62e9\u4f7f\u7528\u4e8c\u624b\u6216\u590d\u65b0\u96f6\u4ef6\u4f5c\u4e3a\u66ff\u6362\u96f6\u4ef6\uff0c\u56e0\u4e3a\u8fd9\u4e9b\u96f6\u4ef6\u4ef7\u683c\u6bd4\u539f\u88c5\u7684\u66f4\u4f4e\u3002\u5982\u679c\u8f66\u4e3b\u575a\u6301\u8981\u6c42\u66f4\u6362\u539f\u88c5\u96f6\u4ef6\uff0c\u6216\u67d0\u4e9b\u635f\u574f\u90e8\u4efd\u662f\u627e\u4e0d\u5230\u4e8c\u624b\/\u590d\u65b0\u96f6\u4ef6\uff0c\u800c\u88ab\u8feb\u4f7f\u7528\u539f\u88c5\u65b0\u96f6\u4ef6\uff0c\u90a3\u4e48\u8f66\u4e3b\u5c31\u9700\u8981\u81ea\u884c\u627f\u62c5\u989d\u5916\u7684\u8d39\u7528\uff0c\u800c\u8fd9\u7b14\u8d39\u7528\u5c31\u662f\u201c\u989d\u5916\u4fee\u8f66\u8d39\u7528\u201d\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E9%A2%9D%E5%A4%96%E4%BF%9D%E8%B4%B9%EF%BC%88Loading%EF%BC%89\"><\/span><strong>\u989d\u5916\u4fdd\u8d39\uff08Loading\uff09&nbsp;<\/strong><span 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