{"id":45714,"date":"2024-01-24T16:52:16","date_gmt":"2024-01-24T08:52:16","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=45714"},"modified":"2025-10-30T23:52:37","modified_gmt":"2025-10-30T15:52:37","slug":"ubah-suai-kereta-pengaruhi-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/ubah-suai-kereta-pengaruhi-insurans","title":{"rendered":"Bagaimana Pengubahsuaian Pengaruhi Premium Insurans Kereta Anda"},"content":{"rendered":"\n<p>Ramai peminat kereta yang gemar mencantikkan kereta mereka dengan membuat pengubahsuaian. Tidak ada apa-apa pun yang rosak atau pun perlu ditukar kerana kereta mereka itu masih baru dan berfungsi dengan baik.<\/p>\n\n\n\n<p>Walau bagaimanapun, mereka ini sudah ada rancangan untuk mengubahsuai mereka itu atas beberapa faktor. Antara faktor-faktornya adalah mungkin mereka mahukan supaya kereta mereka nampak lebih cantik serta mahu prestasi kereta mereka itu lebih hebat.<\/p>\n\n\n\n<p>Disebabkan itu mereka akan mula memasukkan enjin turbo baharu ke dalam kereta mereka, atau mungkin mereka akan menukar rim tayar kepada yang lebih bergaya.<\/p>\n\n\n\n<p>Jika anda cuba menambah baik satu atau dua aspek dengan menukar komponen baharu, pada dasarnya ia bukanlah perkara yang tidak bagus.&nbsp;Walau bagaimanapun, anda perlu sedar bahawa pengubahsuaian ini boleh menjejaskan&nbsp; <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium&nbsp;insurans kereta<\/a>&nbsp;anda.<\/p>\n\n\n\n<p>Untuk ketahui lebih lanjut, teruskan membaca 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-69e1b11076aa3\" 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-69e1b11076aa3\"><\/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\/ubah-suai-kereta-pengaruhi-insurans\/#Apakah_pengubahsuaian_kereta\" title=\"Apakah pengubahsuaian kereta?\">Apakah pengubahsuaian 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\/ubah-suai-kereta-pengaruhi-insurans\/#Jenis_pengubahsuaian_kereta\" title=\"Jenis pengubahsuaian kereta\">Jenis pengubahsuaian kereta<\/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\/ubah-suai-kereta-pengaruhi-insurans\/#Pengubahsuaian_kenderaan_mengikut_piawaian_Jabatan_Pengangkutan_Jalan_JPJ\" title=\"Pengubahsuaian kenderaan mengikut piawaian Jabatan Pengangkutan Jalan (JPJ)\">Pengubahsuaian kenderaan mengikut piawaian Jabatan Pengangkutan Jalan (JPJ)<\/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\/ubah-suai-kereta-pengaruhi-insurans\/#Bagaimanakah_pengubahsuaian_kereta_menjejaskan_insurans\" title=\"Bagaimanakah pengubahsuaian kereta menjejaskan insurans?\">Bagaimanakah pengubahsuaian kereta menjejaskan insurans?<\/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\/ubah-suai-kereta-pengaruhi-insurans\/#Apa_yang_berlaku_jika_anda_tidak_mendedahkan_pengubahsuaian_kereta_kepada_syarikat_insurans_anda\" title=\"Apa yang berlaku jika anda tidak mendedahkan pengubahsuaian kereta kepada syarikat insurans anda?\">Apa yang berlaku jika anda tidak mendedahkan pengubahsuaian kereta kepada syarikat insurans anda?<\/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\/ubah-suai-kereta-pengaruhi-insurans\/#Fikir_dahulu_sebelum_anda_mengubah_suai_kereta_anda\" title=\"Fikir dahulu sebelum anda mengubah suai kereta anda\">Fikir dahulu sebelum anda mengubah suai kereta anda<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_pengubahsuaian_kereta\"><\/span>Apakah pengubahsuaian kereta?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pengubahsuaian kereta boleh membuatkan kereta anda menjadi lebih menyerlah berbanding dengan kereta lain.<\/p>\n\n\n\n<p>Pengubahsuaian ini secara asasnya bermaksud perubahan yang dibuat pada kenderaan untuk mengubah penampilan atau meningkatkan prestasi atau kedua-duanya.<\/p>\n\n\n\n<p>Pengubahsuaian boleh menjadi perubahan besar atau kecil untuk tujuan estetik atau untuk meningkatkan prestasi kereta.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Jenis_pengubahsuaian_kereta\"><\/span>Jenis pengubahsuaian kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img data-attachment-id=\"45715\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ubah-suai-kereta-pengaruhi-insurans\/attachment\/photo_2022-10-11-16-00-59-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/photo_2022-10-11-16.00.59.webp?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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_2022-10-11-16.00.59\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/photo_2022-10-11-16.00.59.webp?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/photo_2022-10-11-16.00.59.webp?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/photo_2022-10-11-16.00.59.webp?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-45715\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/photo_2022-10-11-16.00.59.webp?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/photo_2022-10-11-16.00.59.webp?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/photo_2022-10-11-16.00.59.webp?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/photo_2022-10-11-16.00.59.webp?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Terdapat beberapa jenis pengubahsuaian:<\/p>\n\n\n\n<p><strong>1. Prestasi<\/strong><\/p>\n\n\n\n<p>Pengubahsuaian prestasi merujuk kepada peningkatan prestasi kereta.&nbsp;Contohnya ialah naik taraf brek, transmisi, suspensi, pengecas turbo, dsb.<\/p>\n\n\n\n<p><strong>2. Berfungsi<\/strong><\/p>\n\n\n\n<p>Pengubahsuaian fungsi bermaksud perubahan atau penambahan fungsi tertentu pada kenderaan.&nbsp;Contohnya ialah sistem penyaman udara, sistem navigasi, sensor tempat letak kereta dan lampu kereta tambahan.<\/p>\n\n\n\n<p><strong>3. Estetik<\/strong><\/p>\n\n\n\n<p>Pengubahsuaian estetik merujuk kepada penambahbaikan penampilan kenderaan.&nbsp;Contohnya seperti di bawah:<\/p>\n\n\n\n<ul><li>Bampar depan dan belakang<\/li><li>Bumbung matahari<\/li><li>Warna<\/li><li>Lampu pemantul bampar belakang<\/li><li>Tingkap <em>tinted<\/em><\/li><\/ul>\n\n\n\n<p>Bergantung pada pengubahsuaian, sesetengahnya meningkatkan prestasi kenderaan anda.&nbsp;Walau bagaimanapun, perkara itu hanya jika ia dilakukan secara sah.&nbsp;Pengubahsuaian yang menyalahi undang-undang atau dilarang boleh menjejaskan prestasi kereta anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pengubahsuaian_kenderaan_mengikut_piawaian_Jabatan_Pengangkutan_Jalan_JPJ\"><\/span>Pengubahsuaian kenderaan mengikut piawaian Jabatan Pengangkutan Jalan (JPJ)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pengubahsuaian kereta yang menyalahi undang-undang boleh menyebabkan anda didenda oleh pihak berkuasa.&nbsp;Pengubahsuaian kereta tertakluk kepada pematuhan kepada peraturan yang ditetapkan oleh Jabatan Pengangkutan Jalan (JPJ).<\/p>\n\n\n\n<p>Mengikut Seksyen 12 Akta Pengangkutan Jalan 1987, pengubahsuaian yang dibuat pada mana-mana kenderaan sebelum atau selepas pendaftaran hendaklah dilakukan secara sah.&nbsp;<\/p>\n\n\n\n<p>Beberapa pengubahsuaian boleh dilakukan tanpa kelulusan JPJ.&nbsp;Walau bagaimanapun, mereka mesti mengikut garis panduan yang ditetapkan.&nbsp;Anda boleh merujuk artikel ini untuk panduan terperinci pengubahsuaian kereta berdasarkan piawaian JPJ: Garis Panduan JPJ untuk Pengubahsuaian Kenderaan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimanakah_pengubahsuaian_kereta_menjejaskan_insurans\"><\/span>Bagaimanakah pengubahsuaian kereta menjejaskan insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Syarikat <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> menganggap kereta diubah suai apabila anda menggantikan, menambah atau mengalih keluar bahagian atau sistem kenderaan yang tiada dalam spesifikasi standard pengeluar.<\/p>\n\n\n\n<p>Tetapi bagaimana ia akan menjejaskan <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a> anda jika anda ingin mengubah suai kereta anda?<\/p>\n\n\n\n<p>Sebagai contoh, jika pengubahsuaian kereta mengakibatkan keselamatan kereta anda berada dalam risiko, maka risiko kereta anda untuk dicuri akan meningkat.&nbsp;Oleh itu,&nbsp;syarikat insurans kereta&nbsp;akan mengenakan anda premium yang lebih tinggi daripada yang akan dikenakan kepada anda sebelum pengubahsuaian.<\/p>\n\n\n\n<p>Kemas kini polisi insurans kereta&nbsp;anda&nbsp;untuk melindungi dari perkara ini jika anda telah mengubah suai kenderaan anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_yang_berlaku_jika_anda_tidak_mendedahkan_pengubahsuaian_kereta_kepada_syarikat_insurans_anda\"><\/span>Apa yang berlaku jika anda tidak mendedahkan pengubahsuaian kereta kepada syarikat insurans anda?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurans anda hanya melindungi aksesori kereta standard yang dipasang di kilang.&nbsp;<\/p>\n\n\n\n<p>Sekiranya berlaku kemalangan atau kecurian kereta, insurans anda akan menggantikan atau membayar pampasan untuk aksesori, dengan syarat aksesori itu adalah alat standard yang dipasang di kilang.&nbsp;Anda memerlukan insurans komprehensif untuk mendapatkan penggantian atau pampasan aksesori.<\/p>\n\n\n\n<p>Dalam erti kata lain, jika aksesori kereta anda bukan aksesori standard yang disertakan dengan kereta anda, insurans anda tidak akan melindungi atau memberi pampasan kepada anda jika aksesori bukan standard rosak atau dicuri.&nbsp;<\/p>\n\n\n\n<p>Oleh itu, anda mesti mendedahkan pengubahsuaian yang dilakukan pada kereta anda pada masa pembelian polisi.&nbsp;Sila ambil perhatian bahawa sebarang pengubahan yang tidak dinyatakan boleh mengakibatkan penolakan tuntutan pada masa penyelesaian tuntutan.<\/p>\n\n\n\n<p>Jika anda tidak pasti, disarankan agar anda mendapatkan penjelasan daripada syarikat insurans anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Fikir_dahulu_sebelum_anda_mengubah_suai_kereta_anda\"><\/span>Fikir dahulu sebelum anda mengubah suai kereta anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda mesti tidak mahu apa-apa yang tidak kena dengan kereta anda semasa pengubahsuaian.&nbsp;Ia sememangnya akan menjadi mimpi ngeri bagi semua pemilik kereta.&nbsp;Anda membelanjakan beribu-ribu ringgit untuk mengubah suai kereta anda namun, ia menjejaskan prestasi kereta anda.<\/p>\n\n\n\n<p>Oleh itu, kami menasihati anda untuk merujuk kepada pakar supaya anda tidak merosakkan kereta anda.&nbsp;Dapatkan perlindungan tambahan yang diperlukan untuk memastikan kereta anda mendapat perlindungan yang mencukupi.<\/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=ubah-suai-kereta-pengaruhi-insurans\">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\/insurans-kereta-apa-yang-anda-perlu-tahu\/\">Insurans Kereta: Apa yang Anda Perlu Tahu<\/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\/tuntutan-insurans-kereta-akibat-kemalangan\/#Tuntutan_Pihak_Ketiga\">Nak Claim Insurans? Ketahui Dulu Jenis-Jenis Tuntutan Insurans &amp; Caranya<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Beberapa pengubahsuaian boleh memberi kesan dan menyebabkan premium insurans kereta anda jadi mahal. Baca untuk ketahui lebih lanjut.<\/p>\n","protected":false},"author":23,"featured_media":45728,"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>Bagaimana Pengubahsuaian Pengaruhi Premium Insurans Kereta Anda<\/title>\n<meta name=\"description\" content=\"Beberapa pengubahsuaian boleh memberi kesan dan menyebabkan premium insurans kereta anda jadi mahal. 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