{"id":45034,"date":"2024-01-05T17:17:29","date_gmt":"2024-01-05T09:17:29","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=45034"},"modified":"2025-07-18T17:17:38","modified_gmt":"2025-07-18T09:17:38","slug":"insurans-kenderaan-tpft","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kenderaan-tpft","title":{"rendered":"Penerangan Berkenaan Polisi Insurans Kenderaan Pihak Ketiga, Kebakaran &#038; Kecurian (TPFT)"},"content":{"rendered":"\n<p>Salah satu jenis polisi&nbsp;<a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a>&nbsp;yang terdapat di pasaran hari ini ialah pihak ketiga, kebakaran dan kecurian, juga dikenali sebagai (TPFT). Walaupun polisi ini tampak seperti sama dengan insurans pihak ketiga yang biasa, namun ia sebenarnya pelan perlindungan berbeza yang menawarkan perlindungan tambahan untuk premium yang lebih tinggi sedikit.<\/p>\n\n\n\n<p>Persoalannya bagaimanakah polisi TPFT ini berbeza daripada jenis <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> yang lain? Apakah jenis perlindungan yang ditawarkan kepada pemegang polisi, dan apakah pengecualiannya? Kalau nak tahu berkenaan penjelasan terperinci polisi ini, teruskan membaca.<\/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-69ec37b04322f\" 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-69ec37b04322f\"><\/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-tpft\/#Insurans_pihak_ketiga_kebakaran_dan_kecuriana\" title=\"Insurans pihak ketiga, kebakaran dan kecuriana\">Insurans pihak ketiga, kebakaran dan kecuriana<\/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\/insurans-kenderaan-tpft\/#Apa_yang_boleh_dituntut\" title=\"Apa yang boleh dituntut?\">Apa yang boleh dituntut?<\/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\/insurans-kenderaan-tpft\/#Berapa_harga_premium\" title=\"Berapa harga premium?\">Berapa harga premium?<\/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\/insurans-kenderaan-tpft\/#Adakah_dasar_TPFT_patut_dipertimbangkan\" title=\"Adakah dasar TPFT patut dipertimbangkan?\">Adakah dasar TPFT patut dipertimbangkan?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Insurans_pihak_ketiga_kebakaran_dan_kecuriana\"><\/span>Insurans pihak ketiga, kebakaran dan kecuriana<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">Insurans kenderaan<\/a> pihak ketiga, kebakaran dan kecurian ialah perlindungan &#8216;separa lengkap&#8217; untuk pemilik kenderaan berbanding pelan pihak ketiga.&nbsp;Kami menyatakan ini kerana, tidak seperti polisi pihak ketiga, yang tidak melindungi kerosakan akibat kebakaran dan kecurian, pelan ini melindungi pemegang polisi dan pemandu mereka yang dinamakan daripada kebakaran dan kecurian.<\/p>\n\n\n\n<p>Walau bagaimanapun, ia tidak melindungi kerosakan kenderaan akibat kemalangan yang dilakukan sendiri.&nbsp;Ringkasnya, jika anda, sebagai pemegang polisi, menyebabkan kemalangan dan kereta anda rosak, anda tidak akan layak untuk mendapatkan pampasan daripada syarikat insurans anda di bawah polisi TPFT.&nbsp;Sebaliknya, kos pembaikan mesti ditanggung sendiri kerana polisi tidak menanggungnya.&nbsp;Walau bagaimanapun, jika kemalangan itu melibatkan kerosakan kepada pihak ketiga, tuntutan boleh difailkan, kerana ia termasuk dalam peristiwa yang dilindungi.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_yang_boleh_dituntut\"><\/span>Apa yang boleh dituntut?<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=\"45035\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kenderaan-tpft\/attachment\/car-fire-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Car-fire.webp?fit=724%2C483&amp;ssl=1\" data-orig-size=\"724,483\" 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-fire\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Car-fire.webp?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Car-fire.webp?fit=724%2C483&amp;ssl=1\" loading=\"lazy\" width=\"724\" height=\"483\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Car-fire.webp?resize=724%2C483&#038;ssl=1\" alt=\"\" class=\"wp-image-45035\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Car-fire.webp?w=724&amp;ssl=1 724w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Car-fire.webp?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 724px) 100vw, 724px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Berikut ialah insiden yang layak untuk tuntutan insurans di bawah polisi kebakaran dan kecurian pihak ketiga:<\/p>\n\n\n\n<ul><li>Kecurian kenderaan<\/li><li>Kebakaran kenderaan akibat khianat atau kemalangan<\/li><li>Tuntutan daripada pihak ketiga untuk kehilangan harta benda, kecederaan dan kematian<\/li><\/ul>\n\n\n\n<p>Sebagai pelan insurans separuh lengkap, polisi kebakaran dan kecurian pihak ketiga mengecualikan tuntutan untuk kejadian berikut, kerana ia tidak termasuk dalam polisi:<\/p>\n\n\n\n<ul><li>Kerosakan kenderaan akibat kemalangan yang dilakukan sendiri<\/li><li>Kerosakan\/retak cermin depan kereta<\/li><li>Kerosakan akibat bencana alam semula jadi<\/li><li>Kerosakan kereta akibat melanggar haiwan<\/li><li>Tunda PERCUMA untuk kemalangan atau kerosakan<\/li><li>Bantuan tepi jalan PERCUMA selepas kemalangan<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapa_harga_premium\"><\/span>Berapa harga premium?<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=\"45036\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kenderaan-tpft\/attachment\/a9-cara-harga-insurans-kereta-dikira-4\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/A9-Cara-Harga-Insurans-Kereta-Dikira.webp?fit=1024%2C576&amp;ssl=1\" data-orig-size=\"1024,576\" 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=\"A9-Cara-Harga-Insurans-Kereta-Dikira\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/A9-Cara-Harga-Insurans-Kereta-Dikira.webp?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/A9-Cara-Harga-Insurans-Kereta-Dikira.webp?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/A9-Cara-Harga-Insurans-Kereta-Dikira.webp?resize=1024%2C576&#038;ssl=1\" alt=\"\" class=\"wp-image-45036\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/A9-Cara-Harga-Insurans-Kereta-Dikira.webp?w=1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/A9-Cara-Harga-Insurans-Kereta-Dikira.webp?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/A9-Cara-Harga-Insurans-Kereta-Dikira.webp?resize=768%2C432&amp;ssl=1 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Premium untuk mana-mana polisi insurans adalah berbeza setiap tahun.&nbsp;Begitu juga dengan premium tahunan untuk polisi TPFT yang berbeza-beza setiap tahun dan merentasi syarikat insurans.&nbsp;Namun begitu, boleh dikatakan bahawa polisi TPFT menelan kos yang rendah dan lebih murah daripada polisi komprehensif.<\/p>\n\n\n\n<p>Penyedia insurans biasanya menilai beberapa faktor sebelum menetapkan premium akhir untuk perlindungan ini.&nbsp;Ini termasuk tetapi tidak terhad kepada yang berikut:<\/p>\n\n\n\n<ul><li>NCD tahun semasa<\/li><li>Lokasi \u2013 Tempat kediaman yang menceritakan tentang keselamatan umum kawasan anda<\/li><li>Tabiat memandu \u2013 Sejarah pemanduan anda dan profil penilaian risiko untuk menentukan sama ada anda pemandu berisiko tinggi<\/li><li>Rekod tuntutan \u2013 Sejarah tuntutan anda menunjukkan kekerapan anda memfailkan tuntutan<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_dasar_TPFT_patut_dipertimbangkan\"><\/span>Adakah dasar TPFT patut dipertimbangkan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tidak perlu dipertikaikan lagi bahawa polisi pihak pertama ialah pertaruhan terbaik anda apabila membeli insurans kereta.&nbsp;Ia menyediakan perlindungan paling komprehensif untuk kenderaan anda dan pelbagai faedah percuma, seperti menunda percuma, bantuan tepi jalan 24 jam dan <em>jump-start<\/em> kecemasan, dan banyak lagi.<\/p>\n\n\n\n<p>Namun, tidak semua pemilik kenderaan mampu membeli pakej ini kerana kekangan bajet.&nbsp;Dalam kes ini, perlindungan TPFT, yang adalah merupakan pakej yang paling hampir dengan&nbsp;insurans komprehensif, dan boleh dipertimbangkan kerana ia meliputi liabiliti kepada pihak ketiga serta perlindungan kebakaran dan kecurian.<\/p>\n\n\n\n<p>Selain itu, polisi TPFT juga disyorkan jika anda memiliki kereta yang melebihi 10 tahun dan tidak lagi layak untuk insurans pihak pertama.&nbsp;Ambil perhatian bahawa adalah perkara biasa bagi penanggung insurans untuk menawarkan polisi pihak pertama untuk kenderaan berumur di bawah 10 tahun kerana mereka kurang terdedah kepada kerosakan berbanding dengan polisi lama mereka.<\/p>\n\n\n\n<p>Oleh itu, adalah perlu untuk mempertimbangkan situasi khusus anda sebelum memutuskan sama ada polisi ini sesuai untuk anda.<\/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=insurans-kenderaan-tpft\">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\/faktor-harga-insurans\/\">7 Faktor Yang Menentukan Harga Insurans Kereta Anda<\/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>Nak beli insurans? Ketahui dulu berkenaan insurans kenderaan pihak ketiga, kebakaran dan kecurian ini sebelum anda buat pembelian.<\/p>\n","protected":false},"author":23,"featured_media":45057,"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>Insurans Kenderaan Pihak Ketiga, Kebakaran &amp; Kecurian (TPFT)<\/title>\n<meta name=\"description\" content=\"Nak beli insurans? 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