{"id":44915,"date":"2024-01-03T16:35:38","date_gmt":"2024-01-03T08:35:38","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=44915"},"modified":"2025-11-05T17:52:35","modified_gmt":"2025-11-05T09:52:35","slug":"insurans-kenderaan-kemalangan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kenderaan-kemalangan","title":{"rendered":"4 Jenama Insurans Kenderaan Yang Tawar Insurans Kemalangan Peribadi Terbaik"},"content":{"rendered":"\n<p>Insurans kemalangan peribadi (PA) adalah perlindungan penting yang perlu ada dalam polisi setiap pemilik kereta. Kami ada menjelaskan berkenaan kepentingan mempunyai perlindungan kemalangan peribadi yang sering diabaikan kebanyakan pemandu.<\/p>\n\n\n\n<p>Disebabkan perlindungan kemalangan peribadi ini dapat melindungi anda dan penumpang anda daripada kemalangan, pelan ini sangatlah patut didaftarkan sama ada secara sendiri atau sebagai tambahan kepada <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> sedia ada yang anda langgan. Namun, lambakan jenama insurans yang ada di dalam pasaran, nak pilih pelan yang terbaik untuk diri anda boleh menjadi sukar. Tapi jangan risau kerana kami telah pun memilih 4 syarikat <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a> yang menawarkan beberapa pelan perlindungan kemalangan peribadi terbaik untuk kenderaan persendirian di Malaysia bagi memudahkan 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-69f08aae35a55\" 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-69f08aae35a55\"><\/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\/insurans-kenderaan-kemalangan\/#1_Zurich\" title=\"1.&nbsp;Zurich\">1.&nbsp;Zurich<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kenderaan-kemalangan\/#Z-Drive_Assist\" title=\"Z-Drive Assist\">Z-Drive Assist<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kenderaan-kemalangan\/#Premium_tahunan\" title=\"Premium tahunan\">Premium tahunan<\/a><\/li><\/ul><\/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\/insurans-kenderaan-kemalangan\/#2_Tokio_Marine\" title=\"2.&nbsp;Tokio Marine\">2.&nbsp;Tokio Marine<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kenderaan-kemalangan\/#DriveSafe_PA_Partner\" title=\"DriveSafe PA Partner\">DriveSafe PA Partner<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kenderaan-kemalangan\/#Premium_tahunan-2\" title=\"Premium tahunan\">Premium tahunan<\/a><\/li><\/ul><\/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\/insurans-kenderaan-kemalangan\/#3_Etiqa\" title=\"3.&nbsp;Etiqa\">3.&nbsp;Etiqa<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kenderaan-kemalangan\/#Oto_360\" title=\"Oto 360\">Oto 360<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kenderaan-kemalangan\/#Premium_tahunan-3\" title=\"Premium tahunan\">Premium tahunan<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kenderaan-kemalangan\/#4_MSIG\" title=\"4.&nbsp;MSIG\">4.&nbsp;MSIG<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kenderaan-kemalangan\/#Kemalangan_Diri_Pemandu\" title=\"Kemalangan Diri Pemandu\">Kemalangan Diri Pemandu<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kenderaan-kemalangan\/#Premium_tahunan-4\" title=\"Premium tahunan\">Premium tahunan<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Zurich\"><\/span>1.&nbsp;<strong>Zurich<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Z-Drive_Assist\"><\/span>Z-Drive Assist<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Pelan kemalangan peribadi kenderaan Z-Drive Assist<\/strong>&nbsp;Zurich&nbsp;melindungi pemandu dan penumpang pemilik kenderaan persendirian untuk kecederaan, hilang upaya dan kematian akibat kemalangan.<\/p>\n\n\n\n<p>Z-Drive Assist hadir dalam dua pelan berbeza, iaitu&nbsp;<strong>Basic Plan<\/strong>&nbsp;dan&nbsp;<strong>Superior Plan<\/strong>&nbsp;.&nbsp;Perbezaan yang terdapat antara kedua-dua pelan tersebut ialah amaun premium, pilihan perlindungan dan pampasan yang ditawarkan.<\/p>\n\n\n\n<ul><li>Basic Plan melindungi:<\/li><\/ul>\n\n\n\n<ol><li>Kematian Akibat Kemalangan \u2013 RM50,000 seorang<\/li><li>Hilang Upaya Kekal Akibat Kemalangan \u2013 RM50,000 seorang<\/li><li>Perbelanjaan Perubatan Kemalangan \u2013 RM3,000 seorang<\/li><li>Pendapatan Hospital Harian \u2013 RM50 sehari selama 30 hari (maksimum)<\/li><li>Faedah Bantuan Tunda &amp; Tepi Jalan<\/li><\/ol>\n\n\n\n<ul><li>Sementara itu, Superior Plan melindungi:<\/li><\/ul>\n\n\n\n<ol><li>Kematian Akibat Kemalangan \u2013 RM75,000 seorang<\/li><li>Hilang Upaya Kekal Akibat Kemalangan \u2013 RM75,000 seorang<\/li><li>Perbelanjaan Perubatan Kemalangan \u2013 RM5,000 seorang<\/li><li>Pendapatan Hospital Harian \u2013 RM50 sehari selama 30 hari (maksimum)<\/li><li>Faedah Bantuan Tunda &amp; Tepi Jalan<\/li><li>Ihsan kereta<\/li><\/ol>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Premium_tahunan\"><\/span>Premium tahunan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Berikut ialah jumlah premium tahunan yang perlu anda bayar untuk pelan PA motor Z-Drive Assist Zurich.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Perlindungan<\/strong><\/td><td><strong>Pelan Asas (RM)<\/strong><\/td><td><strong>Pelan Superior (RM)<\/strong><\/td><\/tr><tr><td>Premium Asas (kapasiti 5 tempat duduk)<\/td><td>83<\/td><td>104<\/td><\/tr><tr><td>Kapasiti Tempat Duduk Tambahan<\/td><td>12<\/td><td>18<\/td><\/tr><tr><td>Kenderaan Tambahan<\/td><td>T\/A<\/td><td>64<\/td><\/tr><tr><td>Ihsan Kereta (5 hari) (Pilihan)<\/td><td>T\/A<\/td><td>18<\/td><\/tr><tr><td>Ihsan Kereta (10 hari) (Pilihan)<\/td><td>T\/A<\/td><td>75<\/td><\/tr><\/tbody><\/table><figcaption>Bayaran premium tertakluk kepada cukai perkhidmatan sebanyak 6% dan yuran duti setem sebanyak RM10<\/figcaption><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Tokio_Marine\"><\/span>2.&nbsp;<strong>Tokio Marine<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"DriveSafe_PA_Partner\"><\/span>DriveSafe PA Partner<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>DriveSafe PA Partner ialah pelan komprehensif oleh Tokio Marine yang melindungi pemandu dan penumpang daripada kemalangan kereta.&nbsp;Melalui polisi ini, orang yang diinsuranskan dilindungi daripada kehilangan nyawa\/hilang upaya kekal semasa memasuki, menunggang atau menuruni kenderaan yang diinsuranskan untuk tempoh 12 bulan di dalam Malaysia, Singapura atau Brunei.<\/p>\n\n\n\n<p>Pelan yang komprehensif namun mampu milik ini menawarkan perlindungan utama berikut untuk orang yang diinsuranskan.<\/p>\n\n\n\n<ul><li><strong>Kematian Akibat Kemalangan<\/strong>&nbsp;&nbsp;\u2013 Jumlah Diinsuranskan sebanyak RM25,000 seorang<\/li><li><strong>Hilang Upaya Kekal<\/strong>&nbsp;&nbsp;\u2013 Jumlah Diinsuranskan sehingga RM25,000 seorang.<\/li><li><strong>Hilang Upaya Separa Kekal<\/strong>&nbsp;\u2013 Jumlah Diinsuranskan sehingga RM25,000 seorang<\/li><li><strong>Perbelanjaan Perubatan<\/strong>&nbsp;&nbsp;\u2013 RM 3,000 kepada Orang Yang Diinsuranskan untuk perbelanjaan perubatan, hospital atau rumah jagaan yang munasabah yang ditanggung berkaitan dengan sebarang kecederaan badan melalui cara luaran yang ganas, tidak disengajakan dan boleh dilihat oleh Orang yang Diinsuranskan.<\/li><li><strong>Faedah Pembetulan Pergigian dan Pembedahan Kosmetik Pembetulan<\/strong>&nbsp;&nbsp;\u2013 Bayaran balik sehingga RM 3,000<\/li><li><strong>Pendapatan Hospital Harian<\/strong>&nbsp;&nbsp;\u2013 RM100 sehari kepada orang yang diinsuranskan dimasukkan ke hospital akibat kemalangan yang melibatkan kenderaan yang diinsuranskan.&nbsp;Sehingga RM15,000 jumlah had setiap tempoh polisi<\/li><li><strong>Elaun Kematian<\/strong>&nbsp;&nbsp;\u2013 RM 6,000 dibayar atas tuntutan sah Kematian Akibat Kemalangan<\/li><li><strong>Yuran Ambulans<\/strong>&nbsp;&nbsp;\u2013 Pembayaran balik sehingga RM 500 untuk perkhidmatan ambulans yang diperlukan di Malaysia (termasuk atendan) ke dan dari hospital.<\/li><\/ul>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Premium_tahunan-2\"><\/span>Premium tahunan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Premium tahunan yang perlu anda bayar untuk  DriveSafe PA Partner Tokio Marine ini adalah seperti berikut:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Premium (RM)<\/strong><\/td><td><strong>Premium (RM)<\/strong><\/td><td><strong>Premium (RM)<\/strong><\/td><td><strong>Premium (RM)<\/strong><\/td><td><strong>Premium (RM)<\/strong><\/td><\/tr><tr><td>1 Unit<\/td><td>2 Unit<\/td><td>3 Unit<\/td><td>4 Unit<\/td><td>5 Unit<\/td><\/tr><tr><td>60<\/td><td>120<\/td><td>180<\/td><td>240<\/td><td>300<\/td><\/tr><\/tbody><\/table><figcaption>Bayaran premium tertakluk kepada cukai perkhidmatan sebanyak 6% dan yuran duti setem sebanyak RM10<\/figcaption><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Etiqa\"><\/span>3.&nbsp;<strong>Etiqa<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Oto_360\"><\/span>Oto 360<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Oto 360 ialah pelan kemalangan peribadi yang memberi manfaat kepada pemegang polisi, pemandu dan penumpang daripada kecederaan badan akibat kemalangan yang mengakibatkan kematian atau hilang upaya semasa memandu, menaiki atau turun dari kenderaan yang dinamakan.&nbsp;Pelan ini boleh didapati dalam tiga jenis iaitu, Perak, Emas dan Platinum dengan jumlah pampasan yang berbeza-beza.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Faedah Kemalangan Peribadi (setiap orang)<\/strong><\/td><td><strong>Jumlah Diinsuranskan (RM)<\/strong><\/td><td><strong>Jumlah Diinsuranskan (RM)<\/strong><\/td><td><strong>Jumlah Diinsuranskan (RM)<\/strong><\/td><\/tr><tr><td><\/td><td><strong>Perak<\/strong><\/td><td><strong>emas<\/strong><\/td><td><strong>Platinum<\/strong><\/td><\/tr><tr><td>Kematian akibat kemalangan<\/td><td>10,000<\/td><td>25,000<\/td><td>50,000<\/td><\/tr><tr><td>Hilang upaya kekal<\/td><td>10,000<\/td><td>25,000<\/td><td>50,000<\/td><\/tr><tr><td>Indemniti berganda<\/td><td>20,000<\/td><td>50,000<\/td><td>100,000<\/td><\/tr><tr><td>Wang tunai ihsan<\/td><td>1,000<\/td><td>1,000<\/td><td>1,000<\/td><\/tr><tr><td>Perbelanjaan perubatan<\/td><td>500<\/td><td>500<\/td><td>1,000<\/td><\/tr><tr><td>Pembedahan rekonstruktif muka dan\/atau rawatan pergigian<\/td><td>1,000<\/td><td>1,000<\/td><td>1,000<\/td><\/tr><tr><td>Pendapatan hospital (sehari)<\/td><td>50<\/td><td>50<\/td><td>100<\/td><\/tr><\/tbody><\/table><figcaption>Pelan Oto 360 oleh Etiqa<\/figcaption><\/figure>\n\n\n\n<p>Selain daripada faedah ini, Etiqa juga menyediakan elaun kesulitan sebanyak RM500 untuk kehilangan atau kerosakan kenderaan, banjir, smash dan grab, dan jumlah kerugian atau kecurian untuk ketiga-tiga pelan tersebut.<\/p>\n\n\n\n<p>Pelan ini juga disertakan dengan Faedah Program Bantuan Auto Etiqa percuma yang merangkumi perkhidmatan berikut:<\/p>\n\n\n\n<ul><li>Bantuan kerosakan 24 jam (pembaikan di lokasi)<\/li><li>Bantuan tunda 24 jam<\/li><li>Menguruskan bantuan teksi<\/li><li>Penyewaan kereta dan pengaturan penginapan hotel<\/li><li>Pemindahan perubatan kecemasan<\/li><li>Bantuan rakan dan keluarga<\/li><li>Penghantaran mesej kecemasan<\/li><\/ul>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Premium_tahunan-3\"><\/span>Premium tahunan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Berikut ialah jumlah yang anda perlu bayar untuk perlindungan Oto 360 PA Etiqa (tidak termasuk cukai perkhidmatan dan caj duti setem).<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Premium (RM)<\/strong><\/td><td><strong>Premium (RM)<\/strong><\/td><td><strong>Premium (RM)<\/strong><\/td><\/tr><tr><td><strong>Perak<\/strong><\/td><td><strong>emas<\/strong><\/td><td><strong>Platinum<\/strong><\/td><\/tr><tr><td>121<\/td><td>158<\/td><td>201<\/td><\/tr><\/tbody><\/table><figcaption>Bayaran premium tertakluk kepada cukai perkhidmatan sebanyak 6% dan yuran duti setem sebanyak RM10<\/figcaption><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_MSIG\"><\/span>4.&nbsp;<strong>MSIG<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kemalangan_Diri_Pemandu\"><\/span>Kemalangan Diri Pemandu<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pelanggan <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">Insurans Kereta<\/a> Persendirian Komprehensif MSIG hanya boleh memaksimumkan perlindungan mereka dengan pelan Kemalangan Peribadi Pemandunya yang meliputi pemandu dan penumpang yang dinamakan.&nbsp;Penambahan ini menawarkan rangkaian perlindungan yang luas untuk pemandu dan penumpang yang menaiki kenderaan yang diinsuranskan.<\/p>\n\n\n\n<p>Pelan ini hadir dalam tiga jenis dengan jumlah pampasan yang berbeza-beza.&nbsp;Senarai insiden yang dilindungi untuk ketiga-tiga rancangan disenaraikan di bawah.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Faedah<\/strong><\/td><td><strong>Pelan P1 (RM)<\/strong><\/td><td><strong>Pelan P2 (RM)<\/strong><\/td><td><strong>Pelan P3 (RM)<\/strong><\/td><\/tr><tr><td>Kematian akibat kemalangan &amp; hilang upaya menyeluruh kekal<\/td><td>30,000<\/td><td>75,000<\/td><td>90,000<\/td><\/tr><tr><td>Perbelanjaan perubatan<\/td><td>2,000<\/td><td>5,000<\/td><td>6,000<\/td><\/tr><tr><td>Perbelanjaan pengebumian dan pembakaran mayat<\/td><td>3,000<\/td><td>6,000<\/td><td>7,000<\/td><\/tr><tr><td>Elaun perkabungan<\/td><td>1,000<\/td><td>2,500<\/td><td>5,000<\/td><\/tr><tr><td>Bayaran ambulans<\/td><td>500<\/td><td>500<\/td><td>500<\/td><\/tr><tr><td>Pendapatan Hospital (sehari, sehingga maksima 60 hari)<\/td><td>75<\/td><td>150<\/td><td>200<\/td><\/tr><tr><td>Pembedahan kosmetik muka\/pergigian secara tidak sengaja<\/td><td>1,000<\/td><td>2,000<\/td><td>4,000<\/td><\/tr><tr><td>Indemniti berganda*<\/td><td>60,000<\/td><td>150,000<\/td><td>180,000<\/td><\/tr><\/tbody><\/table><figcaption>Pelan Kemalangan Diri oleh MSIG<\/figcaption><\/figure>\n\n\n\n<p><em>*Nota: Indemniti berganda terpakai kepada kematian akibat kemalangan atau lumpuh semua anggota badan&nbsp;semasa cuti umum Malaysia di seluruh negara sahaja.<\/em><\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Premium_tahunan-4\"><\/span>Premium tahunan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tidak seperti jenama lain, MSIG mengenakan premium untuk pelan Kemalangan Diri Pemandunya berdasarkan kapasiti tempat duduk kenderaan.&nbsp;Berikut ialah senarai premium yang dikenakan untuk ketiga-tiga pelan.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong><br>Premium (RM)<\/strong><\/td><td><strong>Premium (RM)<\/strong><\/td><td><strong>Premium (RM)<\/strong><\/td><\/tr><tr><td><strong>Kapasiti Tempat Duduk (termasuk Pemandu)<\/strong><\/td><td><strong>Pelan P1<\/strong><\/td><td><strong>Pelan P2<\/strong><\/td><td><strong>Pelan P3<\/strong><\/td><\/tr><tr><td>4<\/td><td>60<\/td><td>140<\/td><td>180<\/td><\/tr><tr><td>5<\/td><td>70<\/td><td>155<\/td><td>200<\/td><\/tr><tr><td>6<\/td><td>80<\/td><td>170<\/td><td>220<\/td><\/tr><tr><td>Setiap kerusi tambahan<\/td><td>10<\/td><td>20<\/td><td>25<\/td><\/tr><\/tbody><\/table><figcaption>Bayaran premium tertakluk kepada cukai perkhidmatan sebanyak 6% dan yuran duti setem sebanyak RM10<\/figcaption><\/figure>\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=insurans-kenderaan-kemalangan\">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\/risiko-pemandu-adakah-anda-pemandu-berisiko-tinggi-atau-rendah\/\">Risiko Pemandu: Adakah Anda Pemandu Berisiko Tinggi Atau Rendah?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/qa-mengenai-tuntutan-insurans-kereta\/\">Soalan Lazim Mengenai Tuntutan Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/sebab-tuntutan-insurans-anda-ditolak\/\">Sebab Tuntutan Insurans Kereta Anda Ditolak<\/a><\/li><\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai yang tidak peka berkenaan pentingnya insurans kemalangan peribadi ini. Ketahui lebih lanjut berkenaan manfaat yang ada di dalamnya.<\/p>\n","protected":false},"author":23,"featured_media":44940,"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":[26,468,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurans Kemalangan Peribadi Terbaik Untuk Pemandu &amp; Penumpang<\/title>\n<meta name=\"description\" content=\"Ramai yang tidak peka berkenaan pentingnya insurans kemalangan peribadi ini. 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