{"id":46035,"date":"2024-02-05T16:10:07","date_gmt":"2024-02-05T08:10:07","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46035"},"modified":"2025-07-15T18:10:54","modified_gmt":"2025-07-15T10:10:54","slug":"pengecualian-utama-dalam-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/pengecualian-utama-dalam-insurans","title":{"rendered":"Ini Maksud Pengecualian Utama Dalam Insurans Kereta"},"content":{"rendered":"\n<p>Jika anda memiliki kereta, anda mungkin pernah dengar tentang pengecualian utama semasa membeli <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> anda. Tetapi pernahkah anda terfikir maksudnya dan bagaimana ia memberi kesan kepada anda sebagai pemegang polisi? Biar kami konsikan dengan anda asas-asas pengecualian utama bagi membantu anda memahami polisi <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> anda dengan lebih jelas. Teruskan membaca untuk ketahui mengenainya dengan lebih lanjut.<\/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-69dffc9a16cc6\" 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-69dffc9a16cc6\"><\/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-utama-dalam-insurans\/#Apakah_pengecualian_utama\" title=\"Apakah pengecualian utama?\">Apakah pengecualian utama?<\/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-utama-dalam-insurans\/#Kategori_pengecualian_utama\" title=\"Kategori pengecualian utama\">Kategori pengecualian utama<\/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-utama-dalam-insurans\/#Pengecualian_berkaitan_pemandu\" title=\"Pengecualian berkaitan pemandu\">Pengecualian berkaitan pemandu<\/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-utama-dalam-insurans\/#Pengecualian_berkaitan_kenderaan\" title=\"Pengecualian berkaitan kenderaan\">Pengecualian berkaitan kenderaan<\/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\/pengecualian-utama-dalam-insurans\/#Pengecualian_berkaitan_kejadian\" title=\"Pengecualian berkaitan kejadian\">Pengecualian berkaitan kejadian<\/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\/pengecualian-utama-dalam-insurans\/#Pengecualian_geografi\" title=\"Pengecualian geografi\">Pengecualian geografi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/pengecualian-utama-dalam-insurans\/#Beberapa_contoh_lain_yang_biasa_terjadi\" title=\"Beberapa contoh lain yang biasa terjadi\">Beberapa contoh lain yang biasa terjadi<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_pengecualian_utama\"><\/span>Apakah pengecualian utama?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pengecualian utama dalam <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a> merujuk kepada situasi tertentu di mana syarikat insurans anda tidak akan menanggung kos pembaikan, penggantian atau liabiliti yang timbul daripada kemalangan atau kerosakan pada kenderaan anda.<\/p>\n\n\n\n<p>Pengecualian ini ialah senario di mana pembekal insurans tidak akan memberikan perlindungan atau pampasan untuk kerosakan atau kerugian yang berkaitan dengan kenderaan anda. Menariknya, pengecualian ini digunakan untuk semua polisi termasuk pelan insurans kereta yang komprehensif.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kategori_pengecualian_utama\"><\/span>Kategori pengecualian utama<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pengecualian utama boleh dibahagikan kepada empat jenis iaitu pengecualian berkaitan pemandu, pengecualian berkaitan kenderaan, pengecualian berkaitan kejadian dan pengecualian geografi.<\/p>\n\n\n\n<p>Berikut ialah senarai kejadian yang biasanya disertakan di bawah setiap kategori pengecualian ini.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pengecualian_berkaitan_pemandu\"><\/span>Pengecualian berkaitan pemandu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Pemandu tidak berlesen atau hilang kelayakan<\/strong>&nbsp;\u2013 Kerosakan yang disebabkan oleh seseorang memandu kereta anda tanpa lesen yang sah atau semasa hilang kelayakan tidak dilindungi.<\/li><li><strong>Pemandu tidak berlesen atau hilang kelayakan<\/strong>&nbsp;\u2013 Kerosakan yang disebabkan oleh seseorang memandu kereta anda tanpa lesen yang sah atau semasa hilang kelayakan tidak dilindungi.<\/li><li><strong>Pemanduan cuai<\/strong>&nbsp;\u2013 Pemanduan melulu atau sengaja yang menyumbang kepada kemalangan mungkin tidak dilindungi.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pengecualian_berkaitan_kenderaan\"><\/span>Pengecualian berkaitan kenderaan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><em><strong>Normal wear and tear<\/strong><\/em> &#8211; Kemerosotan prestasi secara beransur-ansur kereta anda akibat penggunaan harian tidak dilindungi<\/li><li> <strong>Kerosakan sedia ada<\/strong>&nbsp;\u2013 Kerosakan sedia ada pada kereta anda sebelum polisi dimulakan tidak dilindungi.<\/li><li><strong>Kenderaan tidak layak jalan<\/strong>&nbsp;\u2013 Kemalangan yang disebabkan oleh kereta dalam keadaan buruk yang tidak lulus pemeriksaan keselamatan dikecualikan.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pengecualian_berkaitan_kejadian\"><\/span>Pengecualian berkaitan kejadian<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Bencana alam semula jadi <\/strong>\u2013 Kerosakan yang disebabkan oleh banjir, gempa bumi, taufan atau bencana alam lain selalunya dikecualikan melainkan anda membeli perlindungan tambahan.<\/li><li><strong>Aktiviti jenayah<\/strong>&nbsp;\u2013 Kerosakan yang disebabkan semasa melakukan jenayah tidak dilindungi.<\/li><li><strong>Peperangan dan keganasan<\/strong>&nbsp;\u2013 Kerugian yang timbul daripada peperangan, keganasan atau pergolakan awam biasanya dikecualikan.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pengecualian_geografi\"><\/span>Pengecualian geografi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Memandu di luar kawasan yang dibenarkan<\/strong>&nbsp;\u2013 Sekatan ke atas perlindungan ke negara atau wilayah tertentu.<\/li><li><strong>Import\/eksport\/e-hailing<\/strong>&nbsp;\u2013 Menggunakan kereta anda untuk tujuan komersial seperti import\/eksport mungkin tidak dilindungi.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Beberapa_contoh_lain_yang_biasa_terjadi\"><\/span>Beberapa contoh lain yang biasa terjadi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Di Malaysia, kebanyakan penanggung insurans menyenaraikan insiden berikut sebagai pengecualian utama dalam dokumen polisi.&nbsp;Anda juga boleh menemui satu atau lebih item ini disenaraikan dalam bahagian Soalan Lazim pada helaian pendedahan produk.<\/p>\n\n\n\n<ul><li>Kematian pemegang polisi atau kecederaan badan akibat kemalangan motor<\/li><li>Liabiliti pemegang polisi terhadap tuntutan daripada penumpang dalam kenderaan anda<\/li><li>Kerugian, kerosakan atau liabiliti yang timbul daripada bencana alam iaitu banjir, ribut atau tanah runtuh (tanpa perlindungan bahaya khas)<\/li><li>Jika kenderaan digunakan untuk sewa &amp; ganjaran termasuk kereta sewa persendirian<\/li><li>Kerugian berbangkit, susut nilai, <em>wear and tear<\/em>, kerosakan mekanikal atau elektronik<\/li><\/ul>\n\n\n\n<p>Memandangkan pengecualian utama adalah sangat penting untuk mana-mana polisi, memahaminya adalah penting untuk membantu anda mengurus risiko dan jangkaan anda.&nbsp;Oleh itu, sentiasa baca dokumen polisi anda dengan teliti dan fahami perkara yang dilindungi dan dikecualikan untuk mengelakkan sebarang kejutan yang tak dijangka.&nbsp;Jika anda ada sebarang kemusykilan, hubungi pembekal insurans anda untuk mendapatkan penjelasan.<\/p>\n\n\n\n<p>Jika anda mendapati maklumat ini berguna, jangan lupa untuk berkongsi artikel ini dengan rakan dan keluarga anda.&nbsp;Ikuti blog kami untuk lebih banyak info menarik seperti ini mengenai insurans kereta, motosikal &amp; perjalanan.<\/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-utama-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\/telefon-mati-cukai-jalan\/\">Ini Apa Nak Buat Kalau Tak Boleh Tunjuk Lesen &amp; Cukai Jalan Digital Jika Telefon \u2018Mati\u2019<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/harga-insurans-kereta-mahal\/\">Kenapa Harga Premium Insurans Kereta Anda Makin Mahal?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-pilih-insurans-kereta-2\/\">Ini Cara Pilih Insurans Kereta: Faktor Yang Perlu Dipertimbangkan<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ketahui lebih lanjut secara terperinci mengenai pengecualian utama dalam insurans kereta &#8211; apa maksudnya dalam dokumen polisi?<\/p>\n","protected":false},"author":23,"featured_media":46041,"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>Ini Maksud Pengecualian Utama Dalam Insurans Kereta<\/title>\n<meta name=\"description\" content=\"Ketahui lebih lanjut secara terperinci mengenai pengecualian utama dalam insurans kereta - apa maksudnya dalam dokumen polisi?\" \/>\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-utama-dalam-insurans\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ini Maksud Pengecualian Utama Dalam Insurans Kereta\" \/>\n<meta property=\"og:description\" content=\"Ketahui lebih lanjut secara terperinci mengenai pengecualian utama dalam insurans kereta - apa maksudnya dalam dokumen polisi?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/pengecualian-utama-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=\"2024-02-05T08:10:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-15T10:10:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Featured-Images-2-8_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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