{"id":46033,"date":"2024-02-05T16:12:16","date_gmt":"2024-02-05T08:12:16","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46033"},"modified":"2025-07-15T18:10:22","modified_gmt":"2025-07-15T10:10:22","slug":"pengecualian-dalam-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/pengecualian-dalam-insurans","title":{"rendered":"4 Pengecualian Dalam Insurans Kereta Perlu Anda Ada Untuk Perlindungan Yang Berbaloi"},"content":{"rendered":"\n<p>Pengecualian dalam <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> memainkan peranan penting dalam memastikan perlindungan komprehensif bagi melindungi pemilik kenderaan. Pengecualian ini berfungsi sebagai tambahan atau pengesahan kepada <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> standard, memberikan perlindungan tambahan untuk situasi tertentu.<\/p>\n\n\n\n<p>Lebih penting lagi, pengecualian yang betul akan dapat memberikan anda ketenangan apabila anda mengetahui bahawa kenderaan anda telah dilindungi sepenuhnya untuk pelbagai senario. Dalam artikel ini, kami akan menjelaskan berkenaan empat pengecualian insurans kereta persendirian yang perlu dipertimbangkan oleh setiap pemilik kenderaan untuk perlindungan yang berbaloi.<\/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-69dffc839e734\" 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-69dffc839e734\"><\/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\/pengecualian-dalam-insurans\/#Pengecualian_daripada_penambahbaikan\" title=\"Pengecualian daripada penambahbaikan\">Pengecualian daripada penambahbaikan<\/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\/pengecualian-dalam-insurans\/#Pengecualian_lebihan_wajib\" title=\"Pengecualian lebihan wajib\">Pengecualian lebihan wajib<\/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\/pengecualian-dalam-insurans\/#Peril_khas\" title=\"Peril khas\">Peril khas<\/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\/pengecualian-dalam-insurans\/#Kerosakan_cermin_depan\" title=\"Kerosakan cermin depan\">Kerosakan cermin depan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengecualian_daripada_penambahbaikan\"><\/span>Pengecualian daripada penambahbaikan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Caj penambahbaikan berlaku apabila syarikat insurans memerlukan pemegang polisi membayar sebahagian daripada kos menggantikan bahagian yang rosak dengan yang baharu.&nbsp;Caj ini biasanya dikenakan untuk kenderaan yang berumur lebih daripada 5 tahun dengan kadar minimum bermula pada 15% dan maksimum pada 40%.<\/p>\n\n\n\n<p>Walau bagaimanapun, pemegang polisi boleh melangkau membayar caj ini dengan pengecualian penambahbaikan atau tambahan.&nbsp;Pilihan penambahan ini akan mengecualikan mereka daripada caj sedemikian sekiranya kenderaan usang memerlukan penggantian alat ganti.&nbsp;Penepian penambahbaikan&nbsp;adalah faedah berguna untuk kenderaan lama yang terdedah kepada kerosakan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pengecualian_lebihan_wajib\"><\/span>Pengecualian lebihan wajib<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pemandu muda yang berisiko tinggi, kebanyakannya mereka yang berumur bawah 21 tahun dengan lesen percubaan (P) atau pelajar (L) biasanya dikenakan bayaran lebihan wajib jika mereka mengalami kemalangan.&nbsp;Lebihan wajib biasanya merupakan jumlah tetap \u2014 RM400 \u2014 yang perlu dibayar oleh pemegang polisi jika pemandu yang tidak dinamakan menyebabkan kerosakan kenderaan.<\/p>\n\n\n\n<p>Sama seperti pengecualian penambahbaikan, anda juga boleh membeli pengecualian lebihan wajib jika kenderaan anda digunakan oleh pemandu yang tidak dinamakan atau anak atau adik-beradik anda di bawah umur 21 tahun dengan lesen memandu percubaan (P) atau pelajar (L).&nbsp;Dengan pengecualian tersebut, anda boleh melangkau daripada perlu membayar RM400, dan biarkan syarikat insurans anda menguruskan keseluruhan perbelanjaan kewangan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Peril_khas\"><\/span>Peril khas<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Peril khas merujuk kepada risiko atau bahaya khusus yang biasanya tidak dilindungi di bawah polisi insurans kereta persendirian standard, seperti gempa bumi, banjir, rusuhan, vandalisme dan kejadian luar biasa atau luar biasa lain.&nbsp;Ia wujud dalam dua bentuk dalam&nbsp;<a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a>&nbsp;\u2014 perlindungan peril khas penuh dan perlindungan peril khas terhad.<\/p>\n\n\n\n<p>Perlindungan penuh dan terhad adalah berbeza terutamanya dalam jumlah perlindungan dan pampasan yang ditawarkan kepada pemegang polisi.&nbsp;Syarikat insurans biasanya mengenakan premium di mana-mana antara 0.2% hingga 0.5% daripada jumlah yang diinsuranskan untuk perlindungan ini.&nbsp;Membeli tambahan bahaya khas adalah penting untuk perlindungan yang bagus, kerana ia biasanya dikecualikan daripada polisi standard.&nbsp;Ini bermakna pemegang polisi perlu menanggung sendiri semua perbelanjaan jika kemalangan berlaku.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kerosakan_cermin_depan\"><\/span>Kerosakan cermin depan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Perlindungan untuk pecah kaca pada cermin depan, tingkap, bumbung matahari dan filem laminasi atau pewarnaan boleh dilakukan melalui polisi standard.&nbsp;Walau bagaimanapun, berbuat demikian boleh menjejaskan Diskaun Tanpa Tuntutan (NCD) kerana ia dianggap sebagai tuntutan kerosakan sendiri dan mencerminkan anda sebagai memandu secara melulu.<\/p>\n\n\n\n<p>Untuk mengelakkan situasi ini daripada berlau, adalah disyorkan untuk membeli pengecualian kerosakan cermin depan khusus atau pilihan penambahan yang menjamin cermin depan dan penggantian pecah kaca lain tanpa menjejaskan NCD.&nbsp;Perlindungan cermin depan adalah salah satu pengecualian yang paling dicari kerana ia membolehkan penggantian cermin depan atas sebab yang tidak dijangka.<\/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=pengecualian-dalam-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\/abai-bayar-insurans-kereta\/\">Boleh Ke Nak Abai Bayar Premium Insurans Kereta Kita?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/perbaharui-insurans-kereta-online\/\">Kelebihan Perbaharui Insurans Kereta Online<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/ubah-suai-kereta-pengaruhi-insurans\/\">Bagaimana Pengubahsuaian Pengaruhi Premium Insurans Kereta Anda<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Pengecualian yang perlu anda ada dalam polisi insurans kereta persendirian anda untuk perlindungan yang menyeluruh<\/p>\n","protected":false},"author":23,"featured_media":46044,"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>4 Pengecualian Dalam Insurans Kereta Perlu Anda Ada<\/title>\n<meta name=\"description\" content=\"Pengecualian yang perlu anda ada dalam polisi insurans kereta persendirian anda untuk perlindungan yang menyeluruh\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/pengecualian-dalam-insurans\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 Pengecualian Dalam Insurans Kereta Perlu Anda Ada\" \/>\n<meta property=\"og:description\" content=\"Pengecualian yang perlu anda ada dalam polisi insurans kereta persendirian anda untuk perlindungan yang menyeluruh\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/pengecualian-dalam-insurans\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2024-02-05T08:12:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-15T10:10:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Featured-Images-3-9_censored.jpg?fit=1708%2C1080&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1708\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Aqmal Ezany\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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