{"id":45615,"date":"2024-01-19T17:36:55","date_gmt":"2024-01-19T09:36:55","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=45615"},"modified":"2025-07-15T18:38:41","modified_gmt":"2025-07-15T10:38:41","slug":"potongan-vs-lebihan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/potongan-vs-lebihan","title":{"rendered":"Potongan Vs Lebihan Dalam Insurans Kereta"},"content":{"rendered":"\n<p>Bila bercakap tentang <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a>, beberapa konsep mungkin akan menyebabkan pemilik kenderaan kekeliruan. Sebagai contoh, lebihan sukarela mungkin akan disalah anggap sebagai potongan kerana persamaan antara keduanya.<\/p>\n\n\n\n<p>Walaupun&nbsp;potongan <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a> dan lebihan berfungsi dengan cara yang sama, namun kedua-duanya sebenarnya tidak sama.&nbsp;Tetapi jangan risau, kerana artikel ini akan cuba untuk menjelaskan kekeliruan tersebut.&nbsp;Mari kita ketahui berkenaan potongan dan insurans untuk memahami cara ia berfungsi serta persamaan dan perbezaannya.<\/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-69e1c596364cd\" 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-69e1c596364cd\"><\/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\/potongan-vs-lebihan\/#Apa_itu_potongan\" title=\"Apa itu potongan?\">Apa itu potongan?<\/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\/potongan-vs-lebihan\/#Bagaimanakah_potongan_insurans_kereta_berfungsi\" title=\"Bagaimanakah potongan insurans kereta berfungsi?\">Bagaimanakah potongan insurans kereta berfungsi?<\/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\/potongan-vs-lebihan\/#Apakah_lebihan\" title=\"Apakah lebihan?\">Apakah lebihan?<\/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\/potongan-vs-lebihan\/#Bagaimanakah_lebihan_berfungsi_dalam_insurans_kereta\" title=\"Bagaimanakah lebihan berfungsi dalam insurans kereta?\">Bagaimanakah lebihan berfungsi dalam insurans kereta?<\/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\/potongan-vs-lebihan\/#Kesimpulannya\" title=\"Kesimpulannya\">Kesimpulannya<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apa_itu_potongan\"><\/span>Apa itu potongan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pemotongan dalam insurans kereta ialah jumlah yang perlu anda bayar untuk pembaikan selepas kemalangan.&nbsp;Ia adalah jumlah yang telah ditetapkan yang anda bersetuju untuk membayar sebelum syarikat insurans anda membayar pampasan bagi kerugian.<\/p>\n\n\n\n<p>Sebagai contoh, jika anda mempunyai polisi insurans kereta dengan potongan RM500 dan kereta anda rosak dalam kemalangan, menyebabkan kerosakan RM3,000, anda bertanggungjawab untuk RM500 pertama;&nbsp;syarikat insurans anda akan menanggung baki RM2,500.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"45616\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/potongan-vs-lebihan\/attachment\/photo_2023-10-16_16-14-46-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/photo_2023-10-16_16-14-46.webp?fit=768%2C352&amp;ssl=1\" data-orig-size=\"768,352\" 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=\"photo_2023-10-16_16-14-46\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/photo_2023-10-16_16-14-46.webp?fit=300%2C138&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/photo_2023-10-16_16-14-46.webp?fit=768%2C352&amp;ssl=1\" loading=\"lazy\" width=\"768\" height=\"352\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/photo_2023-10-16_16-14-46.webp?resize=768%2C352&#038;ssl=1\" alt=\"\" class=\"wp-image-45616\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/photo_2023-10-16_16-14-46.webp?w=768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/photo_2023-10-16_16-14-46.webp?resize=300%2C138&amp;ssl=1 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" data-recalc-dims=\"1\" \/><figcaption>Contoh pengiraan pemotongan<br><\/figcaption><\/figure><\/div>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimanakah_potongan_insurans_kereta_berfungsi\"><\/span><strong>Bagaimanakah potongan insurans kereta berfungsi?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Berbeza dari insurans perubatan, anda tidak perlu membayar potongan tahunan untuk insurans kereta.&nbsp;Anda hanya bertanggungjawab untuk jumlah yang dinyatakan dalam polisi anda setiap kali anda memfailkan tuntutan.&nbsp;Sebaik sahaja anda membayar jumlah yang ditentukan, syarikat insurans anda akan menanggung baki kos pembaikan.<\/p>\n\n\n\n<p>Pemotongan anda juga biasa digunakan apabila pembayaran dikeluarkan selepas tuntutan diluluskan.&nbsp;Dalam senario ini, insurer akan menolak amaun daripada amaun tuntutan yang diluluskan.&nbsp;Sebagai contoh, jika jumlah tuntutan yang diluluskan ialah RM5,000, dan deduktibel anda ialah RM1,000, syarikat insurans anda akan membayar RM4,500, seperti yang ditunjukkan dalam jadual di atas.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_lebihan\"><\/span><strong>Apakah lebihan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Lebihan ialah bayaran awal yang anda mesti buat semasa memfailkan tuntutan insurans sebelum penanggung insurans anda menampung baki jumlah.&nbsp;Ia selalunya merupakan jumlah tetap dan diwajibkan untuk pemegang polisi di bawah senario tertentu.&nbsp;Lebihan biasanya dibahagikan kepada dua jenis \u2014&nbsp;lebihan wajib&nbsp;&nbsp;dan lebihan sukarela.&nbsp;Butiran lanjut mengenai kedua-dua jenis ini dijelaskan di bawah.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimanakah_lebihan_berfungsi_dalam_insurans_kereta\"><\/span><strong>Bagaimanakah lebihan berfungsi dalam insurans kereta?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Lebihan wajib ialah jumlah tetap (biasanya RM400) yang ditetapkan oleh penanggung insurans untuk pemandu muda yang berisiko tinggi, kebanyakannya mereka yang berumur bawah 21 tahun dengan lesen percubaan (P) atau pelajar (L).&nbsp;Lebihan wajib juga mungkin diperlukan dalam situasi di mana kerosakan kenderaan disebabkan oleh pemandu yang tidak dinamakan.<\/p>\n\n\n\n<p>Sebagai contoh, jika anak-anak atau adik-beradik anda di bawah umur 21 tahun mengalami kemalangan semasa memandu kereta anda, anda akan dikehendaki membayar lebihan wajib sebanyak RM400 manakala syarikat insurans anda menanggung bakinya.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"45617\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/potongan-vs-lebihan\/attachment\/fi-en-10-16b-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/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:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/FI-EN-10-16B.webp?fit=196%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/FI-EN-10-16B.webp?fit=670%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"670\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/FI-EN-10-16B.webp?resize=670%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-45617\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/FI-EN-10-16B.webp?w=670&amp;ssl=1 670w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/FI-EN-10-16B.webp?resize=196%2C300&amp;ssl=1 196w\" sizes=\"(max-width: 670px) 100vw, 670px\" data-recalc-dims=\"1\" \/><figcaption>Pengiraan lebihan wajib<\/figcaption><\/figure><\/div>\n\n\n\n<p>Lebihan sukarela, sebaliknya, adalah jumlah yang sanggup dibayar oleh pemegang polisi apabila membuat tuntutan daripada syarikat insurans mereka.&nbsp;Ia berfungsi berbeza daripada lebihan wajib walaupun berkongsi keadaan yang sama.<\/p>\n\n\n\n<p>Seperti lebihan wajib, lebihan sukarela juga dikenakan kepada pemilik kenderaan di bawah umur 21 tahun. Walau bagaimanapun, ia berlaku di bawah dua syarat tambahan: kenderaan berkenaan berisiko lebih tinggi untuk dicuri, dan pemegang polisi memiliki kereta mahal.&nbsp;Tidak seperti lebihan wajib, lebihan sukarela biasanya merupakan peratusan tertentu daripada jumlah yang diinsuranskan dan bukan jumlah tetap.<\/p>\n\n\n\n<p><strong>Potongan vs Lebihan<\/strong><\/p>\n\n\n\n<p>Lebihan dan potongan sering dikelirukan dalam insurans kereta kerana ia berfungsi agak serupa, di mana kedua-duanya adalah jumlah tertentu yang perlu dibayar oleh pemegang polisi.&nbsp;Walau bagaimanapun, adalah penting untuk ambil perhatian bahawa had polisi tidak termasuk jumlah lebihan dalam situasi yang melibatkan polisi insurans dengan lebihan.&nbsp;Tidak seperti potongan, lebihan tidak mengurangkan had polisi keseluruhan.<\/p>\n\n\n\n<p>Sebagai gambaran, bayangkan anda mempunyai had polisi RM90,000 dan lebihan sukarela RM10,000 dan menanggung kerugian 50,000 akibat kemalangan.&nbsp;Dalam kes ini, anda akan membayar RM10,000 untuk tuntutan, dan syarikat insurans anda akan membayar baki RM40,000.&nbsp;Di sini, lebihan dan potongan mempunyai kesan yang sama kerana amaun yang perlu dibayar oleh pemegang polisi adalah serupa dengan pemotongan.<\/p>\n\n\n\n<p>Walau bagaimanapun, jika anda menanggung atau bertanggungjawab untuk kerugian sebanyak RM100,000, jumlah melebihi had polisi anda, syarikat insurans anda akan melindungi 90,000 daripada kos tersebut manakala anda membayar baki 10,000.&nbsp;Di sini, &#8220;lebihan&#8221; tidak &#8220;dipotong&#8221; daripada pembayaran tuntutan sebaliknya perlu dibayar oleh pemegang polisi, yang kekal bertanggungjawab ke atas bahagian kerugian yang melebihi had polisi.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulannya\"><\/span>Kesimpulannya<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pemotongan dan lebihan boleh membawa kepada hasil yang serupa dari segi praktikal, tetapi ia tidak semestinya sama, seperti yang dijelaskan di atas.&nbsp;Belajar untuk membezakan konsep yang berbeza dalam insurans kereta adalah penting untuk memastikan anda memahami sepenuhnya&nbsp;<a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a>&nbsp;anda .&nbsp;Kami harap anda mendapati maklumat ini berguna dan boleh membantu menjelaskan sebarang keraguan yang anda ada tentang pemotongan dan lebihan.<\/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=potongan-vs-lebihan\">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\/lebihan-wajib-vs-sukarela\/\">Lebihan Wajib Vs. Lebihan Sukarela Dalam Insurans Kenderaan Di Malaysia<\/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\/tuntutan-insurans-kereta-akibat-kemalangan\/\">Nak Claim Insurans? Ketahui Dulu Jenis-Jenis Tuntutan Insurans &amp; Caranya<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ramai yang terkeliru dengan konsep potongan dan lebihan ini. Untuk mengetahui dengan lebih jelas, baca artikel ini.<\/p>\n","protected":false},"author":23,"featured_media":45619,"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>Potongan Vs Lebihan Dalam Insurans Kereta<\/title>\n<meta name=\"description\" content=\"Ramai yang terkeliru dengan konsep potongan dan lebihan ini. 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