{"id":44684,"date":"2023-12-29T11:41:00","date_gmt":"2023-12-29T03:41:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=44684"},"modified":"2025-07-18T17:27:40","modified_gmt":"2025-07-18T09:27:40","slug":"faktor-harga-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-harga-insurans-kereta","title":{"rendered":"Faktor Yang Menentukan Harga Insurans Kereta Anda"},"content":{"rendered":"\n<p>Nak dapatkan insurans untuk kereta ini memerlukan sejumlah wang yang besar sebagai pertukaran untuk mendapatkan perlindungan yang disediakan oleh pihak insurans. Dalam dunia insurans, sejumlah wang besar ini dirujuk sebagai &#8216;premium&#8217;.<\/p>\n\n\n\n<p>Selaras dengan Liberalisasi Tarif Motor, syarikat insurans akan mempertimbangkan pelbagai faktor sebelum memutuskan berapa nilai premium yang pemilik kenderaan perlu bayar untuk perlindungan kenderaannya. Justeru daripada itu, mari kita ketahui bersama berkenaan 7 faktor yang akan menentukan <a href=\"https:\/\/bjak.my\/blog\/senarai-harga-insuran-kereta-ikut-cc\/\">harga insurans kereta<\/a> secara lebih 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-69d7b73b0ad1d\" 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-69d7b73b0ad1d\"><\/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\/faktor-harga-insurans-kereta\/#Bagaimana_insurans_premium_berfungsi\" title=\"Bagaimana insurans premium berfungsi?\">Bagaimana insurans premium berfungsi?<\/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\/faktor-harga-insurans-kereta\/#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-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-harga-insurans-kereta\/#Jenis-jenis_insurans_kereta\" title=\"Jenis-jenis insurans kereta\">Jenis-jenis insurans kereta<\/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\/faktor-harga-insurans-kereta\/#Tahun_pembuatan\" title=\"Tahun pembuatan\">Tahun pembuatan<\/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\/faktor-harga-insurans-kereta\/#Nilai_pasaran\" title=\"Nilai pasaran\">Nilai pasaran<\/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\/faktor-harga-insurans-kereta\/#Lokasi\" title=\"Lokasi\">Lokasi<\/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\/faktor-harga-insurans-kereta\/#Rekod_pemanduan\" title=\"Rekod pemanduan\">Rekod pemanduan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-harga-insurans-kereta\/#Pekerjaan\" title=\"Pekerjaan\">Pekerjaan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-harga-insurans-kereta\/#Risau_dengan_insurans_mahal\" title=\"Risau dengan insurans mahal?\">Risau dengan insurans mahal?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_insurans_premium_berfungsi\"><\/span>Bagaimana insurans premium berfungsi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">Premium insurans kereta<\/a> akan mempunyai pengiraan asas.&nbsp;Kos premium kereta individu adalah berbeza-beza bergantung pada perlindungan yang dicari oleh pemilik, selain daripada kadar Diskaun Tanpa Tuntutan tahun semasa dan jenis perlindungan.&nbsp;Disebabkan ini, pemilik kenderaan sentiasa digalakkan untuk membandingkan polisi daripada beberapa pembekal untuk mendapatkan tawaran terbaik.<\/p>\n\n\n\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<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"44713\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-harga-insurans-kereta\/attachment\/fi-en-9-13-chart-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-EN-9-13-CHART-1.webp?fit=1080%2C507&amp;ssl=1\" data-orig-size=\"1080,507\" 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-9-13-CHART (1)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-EN-9-13-CHART-1.webp?fit=300%2C141&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-EN-9-13-CHART-1.webp?fit=1080%2C507&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"507\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-EN-9-13-CHART-1.webp?resize=1080%2C507&#038;ssl=1\" alt=\"\" class=\"wp-image-44713\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-EN-9-13-CHART-1.webp?w=1080&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-EN-9-13-CHART-1.webp?resize=300%2C141&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-EN-9-13-CHART-1.webp?resize=768%2C361&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Seperti yang dinyatakan di atas, kadar NCD adalah salah satu faktor yang menentukan premium kereta seseorang. Kadar NCD akan berada dalam lingkungan antara 0 hingga 55 peratus bergantung pada umur kenderaan. Kenderaan lama cenderung mempunyai NCD yang lebih tinggi daripada yang lebih baru, dengan syarat tuntutan tidak pernah dikemukakan.&nbsp;Pada asasnya, semakin tinggi nilai NCD, semakin rendah premium insurans.&nbsp;Oleh itu, cuba elak untuk melakukan tuntutan bagik menikmati penjimatan yang lebih besar pada premium insurans.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Jenis-jenis_insurans_kereta\"><\/span>Jenis-jenis insurans kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Selain NCD, insurans kenderaan juga dipengaruhi oleh jenis <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> yang dipilih.&nbsp;Pada dasarnya, polisi&nbsp;<a href=\"https:\/\/bjak.my\/blog\/comprehensive-car-insurance\/\">insurans komprehensif<\/a>&nbsp;adalah lebih mahal daripada perlindungan pihak ketiga disebabkan oleh julat perlindungan yang ditawarkan.&nbsp;Kereta baharu dan kereta di bawah umur 10 tahun (dibeli dengan pinjaman bank) dikehendaki mempunyai perlindungan komprehensif, jadi premium mereka cenderung lebih tinggi berbanding dengan kenderaan lama.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tahun_pembuatan\"><\/span>Tahun pembuatan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tahun pembuatan kereta juga mempengaruhi harga insurans kerana ia berkaitan secara langsung dengan nilai pasaran kereta.&nbsp;Sebagai contoh, kereta yang dikeluarkan pada 2016 akan lebih murah untuk diinsuranskan daripada yang dikeluarkan pada 2021. Memandangkan kereta lama mempunyai nilai pasaran yang lebih rendah daripada yang baharu, premium insurans mereka lebih berpatutan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Nilai_pasaran\"><\/span>Nilai pasaran<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=\"44715\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-harga-insurans-kereta\/attachment\/800px-faceliftd_myvi-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/800px-Faceliftd_Myvi.webp?fit=800%2C536&amp;ssl=1\" data-orig-size=\"800,536\" 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=\"800px-Faceliftd_Myvi\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/800px-Faceliftd_Myvi.webp?fit=300%2C201&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/800px-Faceliftd_Myvi.webp?fit=800%2C536&amp;ssl=1\" loading=\"lazy\" width=\"800\" height=\"536\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/800px-Faceliftd_Myvi.webp?resize=800%2C536&#038;ssl=1\" alt=\"\" class=\"wp-image-44715\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/800px-Faceliftd_Myvi.webp?w=800&amp;ssl=1 800w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/800px-Faceliftd_Myvi.webp?resize=300%2C201&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/800px-Faceliftd_Myvi.webp?resize=768%2C515&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Berkaitan dengan perkara di atas, nilai pasaran kereta memainkan peranan penting dalam jumlah yang diinsuranskan oleh pembekal insurans.&nbsp;Secara amnya, kenderaan dengan nilai pasaran yang lebih tinggi menyumbang perlindungan insurans yang lebih tinggi.&nbsp;Walau bagaimanapun, nilai pasaran kereta cenderung menurun setiap tahun, secara tidak langsung menyebabkan nilai insurans menurun.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Lokasi\"><\/span>Lokasi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Lokasi kediaman adalah satu lagi faktor yang diambil kira oleh syarikat insurans sebelum menentukan premium akhir kereta.&nbsp;Premium insurans untuk kereta di kawasan bandar biasanya lebih mahal daripada di luar bandar disebabkan oleh faktor seperti penilaian risiko dan nilai pasaran.&nbsp;Begitu juga, premium insurans di Semenanjung Malaysia adalah lebih tinggi daripada di Sabah dan Sarawak atas sebab yang sama.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Rekod_pemanduan\"><\/span>Rekod pemanduan<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=\"44717\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-harga-insurans-kereta\/attachment\/26_0x97_1200x629_1200x630_third-party-car-insurance-edited\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/26_0x97_1200x629_1200x630_third-party-car-insurance-edited.webp?fit=1008%2C630&amp;ssl=1\" data-orig-size=\"1008,630\" 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=\"26_0x97_1200x629_1200x630_third-party-car-insurance-edited\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/26_0x97_1200x629_1200x630_third-party-car-insurance-edited.webp?fit=300%2C188&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/26_0x97_1200x629_1200x630_third-party-car-insurance-edited.webp?fit=1008%2C630&amp;ssl=1\" loading=\"lazy\" width=\"1008\" height=\"630\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/26_0x97_1200x629_1200x630_third-party-car-insurance-edited.webp?resize=1008%2C630&#038;ssl=1\" alt=\"\" class=\"wp-image-44717\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/26_0x97_1200x629_1200x630_third-party-car-insurance-edited.webp?w=1008&amp;ssl=1 1008w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/26_0x97_1200x629_1200x630_third-party-car-insurance-edited.webp?resize=300%2C188&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/26_0x97_1200x629_1200x630_third-party-car-insurance-edited.webp?resize=768%2C480&amp;ssl=1 768w\" sizes=\"(max-width: 1008px) 100vw, 1008px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Syarikat insurans juga mempertimbangkan rekod pemanduan pemilik kenderaan sebelum menentukan premium insurans.&nbsp;Pemandu yang mempunyai rekod prestasi yang buruk dianggap berisiko tinggi dan sering diberikan premium insurans yang lebih tinggi berbanding pemandu yang berisiko rendah disebabkan berkemungkinan terlibat dengan kemalangan.&nbsp;Jadi, syarikat insurans mengenakan premium yang lebih tinggi untuk menjamin risiko yang perlu mereka tanggung untuk pemandu ini.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pekerjaan\"><\/span>Pekerjaan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Walaupun nampak seakan tiada kena mengena, penanggung insurans akan mempertimbangkan pekerjaan sebagai salah satu faktor dalam menentukan premium kereta. Ini kerana, mereka yang bekerja di tapak pembinaan dan tempat lain yang berisiko tinggi seperti lombong dan tapak pembalakan, selalunya akan dikenakan harga yang lebih tinggi kerana kemungkinan untuk ditimpa kemalangan di tempat kerja itu agak tinggi berbanding pekerjaan lain. Memandangkan pekerjaan pemilik mempengaruhi penggunaan kenderaan, membayar lebih insurans kadangkala tidak dapat dielakkan. Memandangkan pekerjaan pemilik kenderaan itu akan melibatkan penggunaan kenderaannya, caj insurans akan menjadi lebih tinggi.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Risau_dengan_insurans_mahal\"><\/span>Risau dengan insurans mahal?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Harga insurans kenderaan boleh menjadi berbeza-beza untuk setiap orang bergantung pada faktor yang dinyatakan di atas. Tapi, anda boleh mengubahnya dengan menggunakan platform atas talian iaitu Bjak. Bjak bukan sahaja boleh membantu untuk menjimatkan anda, tetapi ia juga mempunyai pilihan pembayaran ansuran yang boleh memudahkan anda untuk perbaharui insurans kenderaan anda.<\/p>\n\n\n\n<p>Bjak <em>Buy Now Pay Later<\/em> membolehkan anda membayar insurans kereta dan membuat pembaharuan cukai jalan sehingga 12 kali ansuran.&nbsp;Rancanglah perbelanjaan anda dengan bijak, dan jangan lepaskan peluang untuk bayar secara ansuran ini. Anda turut boleh membayar secara ansuran serendah RM30 sebulan untuk polisi insurans kereta anda juga.<\/p>\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=faktor-harga-insurans-kereta\">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\/fahami-jenis-jenis-polisi-insurans-kereta\/\">Fahami Jenis-jenis Polisi Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/akibat-tidak-renew-insurans-kereta\/\">Anda Tidak Renew Insurans Kereta? Ini Akibat yang Anda Mungkin Hadapi<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/risiko-pemandu-adakah-anda-pemandu-berisiko-tinggi-atau-rendah\/\">Risiko Pemandu: Adakah Anda Pemandu Berisiko Tinggi Atau Rendah?&nbsp;<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ada yang rendah ada yang tinggi, persoalannya macam mana insurans kita dikira? Ketahui lebih lanjut dalam artikel ini.<\/p>\n","protected":false},"author":23,"featured_media":44719,"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>7 Faktor Yang Menentukan Harga Insurans Kereta Anda<\/title>\n<meta name=\"description\" content=\"Ada yang rendah ada yang tinggi, persoalannya macam mana insurans kita dikira? 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