{"id":44601,"date":"2023-12-28T17:53:26","date_gmt":"2023-12-28T09:53:26","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=44601"},"modified":"2025-07-18T17:29:39","modified_gmt":"2025-07-18T09:29:39","slug":"ncd-insurans-kenderaan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurans-kenderaan","title":{"rendered":"NCD, Kadar Penambahbaikan &#038; Lebihan Dalam Insurans Kenderaan"},"content":{"rendered":"\n<p>Terdapat tiga konsep utama dalam <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> yang mesti difahami untuk membuat keputusan yang tepat sebelum membeli polisi insurans. Ia adalah NCD, penambahbaikan dan lebihan. Walaupun ia kelihatan mudah bagi sesetengah orang, konsep ini boleh menjadi punca kekeliruan semasa pembayaran tuntutan dan pembaharuan polisi kerana ia melibatkan nombor.<\/p>\n\n\n\n<p>Tetapi jangan risau, kami telah memudahkan dengan mengumpulkannya di satu tempat supaya anda boleh merujuknya dengan mudah kalau anda berasa was-was. Ingat, simpan pautan ini sebagai rujukan anda di masa hadapan. Ia boleh membantu 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-69d38c51b28a3\" 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-69d38c51b28a3\"><\/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\/ncd-insurans-kenderaan\/#Diskaun_Tanpa_Tuntutan_NCD\" title=\"Diskaun Tanpa Tuntutan (NCD)\">Diskaun Tanpa Tuntutan (NCD)<\/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\/ncd-insurans-kenderaan\/#NCD_untuk_kereta_persendirian\" title=\"NCD untuk kereta persendirian\">NCD untuk kereta persendirian<\/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\/ncd-insurans-kenderaan\/#NCD_untuk_motosikal\" title=\"NCD untuk motosikal\">NCD untuk motosikal<\/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\/ncd-insurans-kenderaan\/#Penambahbaikan\" title=\"Penambahbaikan\">Penambahbaikan<\/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\/ncd-insurans-kenderaan\/#Lebihan_Tetap\" title=\"Lebihan Tetap\">Lebihan Tetap<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Diskaun_Tanpa_Tuntutan_NCD\"><\/span>Diskaun Tanpa Tuntutan (NCD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Diskaun Tanpa Tuntutan (NCD) ialah diskaun yang diberikan untuk premium <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a> oleh syarikat insurans. Pengecualian itu ditetapkan oleh Persatuan Insurans Am Malaysia (PIAM) untuk menggalakkan pemanduan yang selamat. Ia bertindak sebagai ganjaran\/inisiatif untuk pemilik kenderaan yang memandu dengan baik. NCD juga dirujuk sebagai Bonus Tanpa Tuntutan (NCB) bagi sesetengah orang.<\/p>\n\n\n\n<p>Kadar <a href=\"https:\/\/bjak.my\/blog\/ncd-fakta-kadar-ncd-cara-untuk-semak\/\">NCD insurans kereta<\/a> untuk kenderaan baharu bermula pada sifar pada tahun pertama pembelian dan secara beransur-ansur terkumpul dari semasa ke semasa. Sekiranya tiada tuntutan dikemukakan atau dibuat terhadap polisi, pemilik kereta persendirian boleh menikmati diskaun maksimum 55% (dari tahun keenam dan seterusnya), manakala pemilik motosikal mendapat diskaun maksimum 25% (dari tahun ke-4 dan seterusnya).<\/p>\n\n\n\n<p>Kadar NCB untuk kereta dan motosikal persendirian ada disenaraikan dalam jadual di bawah:<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"NCD_untuk_kereta_persendirian\"><\/span>NCD untuk kereta persendirian<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"44602\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurans-kenderaan\/attachment\/211112-bjakblog-adilah-ncd-01-01-1-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/211112-BjakBlog-Adilah-NCD-01-01-1.webp?fit=1060%2C773&amp;ssl=1\" data-orig-size=\"1060,773\" 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=\"211112-BjakBlog-Adilah-NCD-01-01-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/211112-BjakBlog-Adilah-NCD-01-01-1.webp?fit=300%2C219&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/211112-BjakBlog-Adilah-NCD-01-01-1.webp?fit=1060%2C773&amp;ssl=1\" loading=\"lazy\" width=\"1060\" height=\"773\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/211112-BjakBlog-Adilah-NCD-01-01-1.webp?resize=1060%2C773&#038;ssl=1\" alt=\"\" class=\"wp-image-44602\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/211112-BjakBlog-Adilah-NCD-01-01-1.webp?w=1060&amp;ssl=1 1060w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/211112-BjakBlog-Adilah-NCD-01-01-1.webp?resize=300%2C219&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/211112-BjakBlog-Adilah-NCD-01-01-1.webp?resize=768%2C560&amp;ssl=1 768w\" sizes=\"(max-width: 1060px) 100vw, 1060px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"NCD_untuk_motosikal\"><\/span>NCD untuk motosikal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"44604\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurans-kenderaan\/attachment\/30424-3\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/30424.webp?fit=1044%2C588&amp;ssl=1\" data-orig-size=\"1044,588\" 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=\"30424\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/30424.webp?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/30424.webp?fit=1044%2C588&amp;ssl=1\" loading=\"lazy\" width=\"1044\" height=\"588\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/30424.webp?resize=1044%2C588&#038;ssl=1\" alt=\"\" class=\"wp-image-44604\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/30424.webp?w=1044&amp;ssl=1 1044w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/30424.webp?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/30424.webp?resize=768%2C433&amp;ssl=1 768w\" sizes=\"(max-width: 1044px) 100vw, 1044px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Penambahbaikan\"><\/span><strong>Penambahbaikan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Caj penambahbaikan, juga dikenali sebagai &#8220;yuran penambahbaikan&#8221; atau &#8220;caj susut nilai&#8221;, ialah istilah yang biasanya dikaitkan dengan&nbsp; tuntutan&nbsp;insurans kereta.<\/p>\n\n\n\n<p>Caj penambahbaikan merujuk kepada situasi di mana syarikat insurans mungkin memerlukan pemegang polisi membayar sebahagian daripada kos menggantikan bahagian yang rosak dengan yang baharu, walaupun bahagian asal yang rosak telah digunakan atau lama.&nbsp;Ini disebabkan oleh konsep penambahbaikan atau penambahbaikan.<\/p>\n\n\n\n<p>Caj penambahbaikan biasanya dikenakan untuk kenderaan yang berumur lebih daripada 5 tahun.&nbsp;Kadar minimum bermula pada 15%, manakala maksimum ialah 40%.&nbsp;Kadar berbeza berdasarkan umur kenderaan, seperti yang digambarkan di bawah:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"44605\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurans-kenderaan\/attachment\/39427-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/39427.webp?fit=1080%2C761&amp;ssl=1\" data-orig-size=\"1080,761\" 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=\"39427\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/39427.webp?fit=300%2C211&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/39427.webp?fit=1080%2C761&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"761\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/39427.webp?resize=1080%2C761&#038;ssl=1\" alt=\"\" class=\"wp-image-44605\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/39427.webp?w=1080&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/39427.webp?resize=300%2C211&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/39427.webp?resize=768%2C541&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Lebihan_Tetap\"><\/span><strong>Lebihan Tetap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Lebihan ialah bayaran awal yang diperlukan semasa memfailkan tuntutan insurans sebelum perlindungan yang diberikan oleh syarikat insurans anda.&nbsp;Ia selalunya merupakan jumlah tetap dan wajib bagi pemegang polisi di bawah senario tertentu.<\/p>\n\n\n\n<p>Lebihan wajib ialah jumlah tetap (biasanya RM400) yang ditetapkan oleh penanggung insurans terhadap pemandu muda yang berisiko tinggi.&nbsp;Pemegang polisi dikehendaki membayar jumlah ini jika mereka termasuk dalam salah satu kategori di bawah:<\/p>\n\n\n\n<ul><li>Anda atau pemandu anda berumur di bawah 21 tahun<\/li><li>Mempunyai lesen Percubaan (P) atau Pelajar (L).<\/li><li>Kerosakan kenderaan berpunca daripada pemandu yang tidak dinamakan<\/li><\/ul>\n\n\n\n<p>Contoh cara lebihan tetap berfungsi ditunjukkan dalam jadual di bawah:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"44606\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurans-kenderaan\/attachment\/fi-en-10-16b-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-EN-10-16B.webp?fit=670%2C1024&amp;ssl=1\" data-orig-size=\"670,1024\" 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=\"FI-EN-10-16B\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-EN-10-16B.webp?fit=196%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-EN-10-16B.webp?fit=670%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"670\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-EN-10-16B.webp?resize=670%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-44606\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-EN-10-16B.webp?w=670&amp;ssl=1 670w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-EN-10-16B.webp?resize=196%2C300&amp;ssl=1 196w\" sizes=\"(max-width: 670px) 100vw, 670px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan sebut harga percuma di Bjak dan pilih pelan terbaik hari ini!<\/em><\/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=ncd-insurans-kenderaan\">Renew Online<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Baca juga: <\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/senarai-syarikat-insurans-takaful-kereta-di-malaysia\/\">Senarai Syarikat Insurans Kereta &amp; Takaful Di Malaysia<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">Fahami Jenis-Jenis Polisi Insurans Kereta<\/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>Ketahui tiga konsep utama dalam insurans kereta yang mesti difahami untuk membuat keputusan yang tepat sebelum membeli polisi insurans.<\/p>\n","protected":false},"author":23,"featured_media":44694,"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],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NCD, Kadar Penambahbaikan &amp; Lebihan Dalam Insurans Kenderaan<\/title>\n<meta name=\"description\" content=\"Ketahui tiga konsep utama dalam insurans kereta yang mesti difahami untuk membuat keputusan yang tepat sebelum membeli polisi insurans.\" \/>\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\/ncd-insurans-kenderaan\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NCD, Kadar Penambahbaikan &amp; Lebihan Dalam Insurans Kenderaan\" \/>\n<meta property=\"og:description\" content=\"Ketahui tiga konsep utama dalam insurans kereta yang mesti difahami untuk membuat keputusan yang tepat sebelum membeli polisi insurans.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurans-kenderaan\" \/>\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=\"2023-12-28T09:53:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-18T09:29:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/28-12-2023-Feature-image-1.png?fit=1708%2C1080&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1708\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\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=\"Aqmal Ezany\" \/>\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! 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