{"id":45430,"date":"2024-01-15T17:31:24","date_gmt":"2024-01-15T09:31:24","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=45430"},"modified":"2025-07-17T09:20:41","modified_gmt":"2025-07-17T01:20:41","slug":"lebihan-wajib-vs-sukarela","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/lebihan-wajib-vs-sukarela","title":{"rendered":"Lebihan Wajib Vs. Lebihan Sukarela Dalam Insurans Kenderaan Di Malaysia"},"content":{"rendered":"\n<p>Salah satu cara untuk anda mendapatkan polisi kereta terbaik adalah dengan memahami pelbagai konsep dan terma yang digunakan secara meluas oleh syarikat insurans. Salah satu contoh terma dalam insurans ialah lebihan. Jika anda memiliki kenderaan atau pernah berpengalaman memperbaharui <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> anda, anda pastinya tahu bahawa kebanyakan polisi <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a> tertakluk kepada klausa lebihan, yang kadangkala dirujuk sebagai nilai yang boleh ditolak.<\/p>\n\n\n\n<p>Di Malaysia, syarikat insurans cenderung membahagikan lebihan kepada dua jenis. Mari ketahui lebih lanjut tentang perbezaan antara kedua-duanya melalui artikel ini.<\/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-69e19d1be1f5b\" 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-69e19d1be1f5b\"><\/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\/lebihan-wajib-vs-sukarela\/#Apakah_lebihan_insurans_kereta\" title=\"Apakah lebihan insurans kereta?\">Apakah lebihan insurans kereta?<\/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\/lebihan-wajib-vs-sukarela\/#Lebihan_wajib_vs_lebihan_sukarela\" title=\"Lebihan wajib vs lebihan sukarela\">Lebihan wajib vs lebihan sukarela<\/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\/lebihan-wajib-vs-sukarela\/#Boleh_ke_nak_ubah_lebihan_sukarela_ini\" title=\"Boleh ke nak ubah lebihan sukarela ini?\">Boleh ke nak ubah lebihan sukarela ini?<\/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\/lebihan-wajib-vs-sukarela\/#Bilakah_anda_membayar_lebihan\" title=\"Bilakah anda membayar lebihan?\">Bilakah anda membayar lebihan?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_lebihan_insurans_kereta\"><\/span>Apakah lebihan insurans kereta?<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 diwajibkan untuk pemegang <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> di bawah senario tertentu.&nbsp;Ia dibahagikan kepada&nbsp;lebihan wajib&nbsp;dan lebihan sukarela, masing-masing.<\/p>\n\n\n\n<p>Walaupun lebihan diwajibkan bagi sesetengah pihak, ia tidak mengambil kira tuntutan yang berkaitan dengan kerugian atau kerosakan akibat kebakaran, letupan, kilat, kecurian, kerosakan harta benda pihak ketiga atau kecederaan badan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Lebihan_wajib_vs_lebihan_sukarela\"><\/span>Lebihan wajib vs lebihan sukarela<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Lebihan Wajib<\/strong><\/td><td><strong>Lebihan Sukarela<\/strong><\/td><\/tr><tr><td>Apa itu?<\/td><td>Jumlah tetap yang ditetapkan oleh penanggung insurans terhadap pemandu muda yang berisiko tinggi<\/td><td>Jumlah yang anda sanggup bayar semasa membuat tuntutan<br><br><\/td><\/tr><tr><td><strong>Mengapa anda membayarnya?<\/strong><br><\/td><td>\u2013 Anda atau pemandu anda berumur di bawah 21 tahun<br><br>\u2013 Mempunyai lesen Percubaan (P) atau Pelajar (L)<br><br>\u2013 Kerosakan disebabkan oleh pemandu yang tidak dinamakan<\/td><td>\u2013 Anda pemilik kenderaan di bawah umur 21 tahun<br><br>\u2013 Kenderaan anda berisiko lebih tinggi untuk dicuri<br><br>\u2013 Anda mempunyai kereta mahal<\/td><\/tr><tr><td><strong>Berapa banyak yang anda bayar?<\/strong><br><\/td><td>RM400<br><\/td><td>Peratusan tertentu daripada jumlah yang diinsuranskan<br><\/td><\/tr><\/tbody><\/table><figcaption>Perbezaan antara lebihan wajib dan sukarela<br><\/figcaption><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Boleh_ke_nak_ubah_lebihan_sukarela_ini\"><\/span>Boleh ke nak ubah lebihan sukarela ini?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ya, anda boleh mengubah lebihan sukarela yang telah anda tetapkan dengan pembekal insurans anda, kerana ia adalah jumlah yang anda sanggup bayar semasa membuat tuntutan.<\/p>\n\n\n\n<p>Dengan meningkatkan caruman sukarela anda, kadar insurans anda akan berkurangan, tetapi ia mungkin akan memberi kesan negatif kepada kos untuk memfailkan tuntutan kerana anda perlu menanggung lebih banyak kos. Jadi, walaupun anda mampu membayar lebihan tersebut, pertimbangkan juga cara untuk menukar caruman sukarela anda kerana ia boleh memberi kesan kepada harga insurans anda sebelum anda membuat keputusan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bilakah_anda_membayar_lebihan\"><\/span>Bilakah anda membayar lebihan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda dikehendaki melindungi kedua-dua caruman wajib dan sukarela anda semasa memfailkan tuntutan insurans kereta.&nbsp;Sekiranya berlaku kemalangan jalan raya kecil, lebihan anda mungkin lebih daripada kos pembaikan, terutamanya jika anda memilih lebihan sukarela yang lebih tinggi.<\/p>\n\n\n\n<p>Dalam kes yang sedemikian, tentukan sama ada berbaloi atau tak untuk meneruskan tuntutan insurans kerana ia boleh menjejaskan Diskaun Tanpa Tuntutan (NCD) 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=lebihan-wajib-vs-sukarela\">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\/tuntutan-insurans-kereta-akibat-kemalangan\/\">Nak Claim Insurans? Ketahui Dulu Jenis-Jenis Tuntutan Insurans &amp; Caranya<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-terbaik\/\">5 Tip Untuk Pilih Insurans Kereta Terbaik<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-1st-party-situasi-boleh-claim-insurans\/\">Insurans Kereta 1st Party \u2013 5 Situasi Membolehkan Anda Claim Insurans<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Terdapat pelbagai terma sebenarnya dalam polisi insurans ini. Ketahui berkenaan terma lebihan wajib dan sukarela dalam artikel ini.<\/p>\n","protected":false},"author":23,"featured_media":45455,"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>Lebihan Wajib Vs. Lebihan Sukarela Dalam Insurans Kenderaan<\/title>\n<meta name=\"description\" content=\"Terdapat pelbagai terma sebenarnya dalam polisi insurans ini. 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