{"id":46225,"date":"2024-02-20T16:00:43","date_gmt":"2024-02-20T08:00:43","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46225"},"modified":"2025-07-11T19:44:36","modified_gmt":"2025-07-11T11:44:36","slug":"penambahan-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/penambahan-insurans-kereta","title":{"rendered":"Pilihan Penambahan Untuk Insurans Kereta Yang Disyorkan"},"content":{"rendered":"\n<p>Mengikut Akta Pengangkutan Jalan 1987, adalah wajib untuk semua kenderaan yang menggunakan jalan raya di Malaysia mempunyai&nbsp;<a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a>.&nbsp;Sebagai pemilik kereta, anda memerlukan sekurang-kurangnya insurans kereta pihak ketiga yang menawarkan perlindungan paling asas dan hanya kepada pihak ketiga.&nbsp;Tetapi walaupun anda membeli <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> komprehensif atau pihak pertama, adakah perlindungan itu mencukupi?&nbsp;Mari lihat beberapa pilihan penambahan untuk insurans kereta yang disyorkan yang mungkin anda perlukan.<\/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-69e03e15215d8\" 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-69e03e15215d8\"><\/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\/penambahan-insurans-kereta\/#Tambahan_insurans_kereta_Cermin_depan\" title=\"Tambahan insurans kereta: Cermin depan\">Tambahan insurans kereta: Cermin depan<\/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\/penambahan-insurans-kereta\/#Tambahan_insurans_kereta_Pemandu_yang_dinamakan\" title=\"Tambahan insurans kereta:&nbsp;Pemandu yang dinamakan\">Tambahan insurans kereta:&nbsp;Pemandu yang dinamakan<\/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\/penambahan-insurans-kereta\/#Tambahan_insurans_kereta_Peril_khas\" title=\"Tambahan insurans kereta: Peril khas\">Tambahan insurans kereta: 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\/penambahan-insurans-kereta\/#Tambahan_insurans_kereta_Liabiliti_undang-undang\" title=\"Tambahan insurans kereta: Liabiliti undang-undang\">Tambahan insurans kereta: Liabiliti undang-undang<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penambahan-insurans-kereta\/#Liabiliti_Undang-undang_Penumpang_LLOP\" title=\"Liabiliti Undang-undang Penumpang (LLOP)\">Liabiliti Undang-undang Penumpang (LLOP)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penambahan-insurans-kereta\/#Liabiliti_Undang-undang_kepada_Penumpang_LLTP\" title=\"Liabiliti Undang-undang kepada Penumpang (LLTP)\">Liabiliti Undang-undang kepada Penumpang (LLTP)<\/a><\/li><\/ul><\/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\/penambahan-insurans-kereta\/#Tambahan_insurans_kereta_Penepian_penambahbaikan\" title=\"Tambahan insurans kereta: Penepian penambahbaikan\">Tambahan insurans kereta: Penepian penambahbaikan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penambahan-insurans-kereta\/#Dapatkan_pilihan_penambahan_insurans_kereta_di_Bjak\" title=\"Dapatkan pilihan penambahan insurans kereta di Bjak\">Dapatkan pilihan penambahan insurans kereta di Bjak<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tambahan_insurans_kereta_Cermin_depan\"><\/span><strong>Tambahan insurans kereta: Cermin depan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"46226\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penambahan-insurans-kereta\/attachment\/image-1_-gambar-windscreen-pecah_retak-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-1_-Gambar-windscreen-pecah_retak.webp?fit=1024%2C576&amp;ssl=1\" data-orig-size=\"1024,576\" 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=\"Image-1_-Gambar-windscreen-pecah_retak\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-1_-Gambar-windscreen-pecah_retak.webp?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-1_-Gambar-windscreen-pecah_retak.webp?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-1_-Gambar-windscreen-pecah_retak.webp?resize=1024%2C576&#038;ssl=1\" alt=\"\" class=\"wp-image-46226\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-1_-Gambar-windscreen-pecah_retak.webp?w=1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-1_-Gambar-windscreen-pecah_retak.webp?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-1_-Gambar-windscreen-pecah_retak.webp?resize=768%2C432&amp;ssl=1 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Perlindungan untuk cermin depan akan memberikan perlindungan sama ada dengan membaiki atau menggantikan cermin depan, cermin belakang, tingkap pintu atau kaca bumbung matahari yang asalnya disertakan dengan kereta, bukan pengubahsuaian.&nbsp;Oleh itu, jika cermin depan anda retak atau pecah, anda tidak perlu risau mengenainya kerana perlindungan tambahan cermin depan anda akan menanggung kos pembaikan atau penggantian, tanpa menjejaskan Perlindungan Tanpa Diskaun (NCD) anda.<\/p>\n\n\n\n<p><strong>Bagaimana cara kira premium cermin depan?<\/strong><\/p>\n\n\n\n<p>Anda perlu membayar hanya 15% daripada nilai perlindungan cermin depan. Katakan nilai cermin kereta anda ialah RM1,000, anda hanya perlu membayar sebanyak RM150 sahaja iaitu 15% daripada nilai cermin hadapan. Daripada membayar jumlah penuh untuk menggantikan cermin depan kereta anda, anda hanya perlu membayar 15% daripadanya jika anda memasukkan perlindungan tambahan cermin depan dalam <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> anda. Memang sangat berbaloi!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tambahan_insurans_kereta_Pemandu_yang_dinamakan\"><\/span><strong>Tambahan insurans kereta:&nbsp;Pemandu yang dinamakan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"46227\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penambahan-insurans-kereta\/attachment\/image-2-gambar-pemandu-tambahan-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-2-Gambar-pemandu-tambahan.webp?fit=1024%2C576&amp;ssl=1\" data-orig-size=\"1024,576\" 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=\"Image-2-Gambar-pemandu-tambahan\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-2-Gambar-pemandu-tambahan.webp?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-2-Gambar-pemandu-tambahan.webp?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-2-Gambar-pemandu-tambahan.webp?resize=1024%2C576&#038;ssl=1\" alt=\"\" class=\"wp-image-46227\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-2-Gambar-pemandu-tambahan.webp?w=1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-2-Gambar-pemandu-tambahan.webp?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-2-Gambar-pemandu-tambahan.webp?resize=768%2C432&amp;ssl=1 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p><strong>Apa maksud &#8220;pemandu yang dinamakan&#8221; dalam insurans kereta?<\/strong><\/p>\n\n\n\n<p>Pemandu yang dinamakan ialah seseorang yang mendapat kebenaran anda untuk memandu kereta anda dan menikmati perlindungan insurans yang sama seperti yang anda perolehi sebagai pemegang polisi. Di Malaysia, termasuk anda sebagai pemegang polisi, anda boleh menamakan dua pemandu dalam polisi kereta anda. Jika anda ingin menambah lebih banyak pemandu yang dinamakan, anda hanya perlu menambah RM10 untuk setiap pemandu yang hendak ditambah itu.<\/p>\n\n\n\n<p>Anda mungkin memerlukan penambahan ini jika anda sering bagi orang lain pandu kereta anda. Jika anda tidak mempunyai perlindungan tambahan &#8220;pemandu yang dinamakan&#8221; ini, anda perlu membayar sebanyak RM400 sekiranya pemandu yang tidak dinamakan itu terlibat kemalangan ketika memandu kereta anda. RM400 itu bukan jumlah yang sikit, jadi pertimbangkan untuk menambah pemandu yang dinamakan terutamanya jika anda sering bagi orang lain pandu kereta anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tambahan_insurans_kereta_Peril_khas\"><\/span><strong>Tambahan insurans kereta: Peril khas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"46228\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penambahan-insurans-kereta\/attachment\/image-3_-gambar-bencana-alam-kereta-kena-banjir_timpa-pokok_ribut-taufan_tanah-runtuh-1-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-3_-Gambar-bencana-alam-kereta-kena-banjir_timpa-pokok_ribut-taufan_tanah-runtuh-1.webp?fit=1080%2C608&amp;ssl=1\" data-orig-size=\"1080,608\" 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=\"Image-3_-Gambar-bencana-alam-kereta-kena-banjir_timpa-pokok_ribut-taufan_tanah-runtuh-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-3_-Gambar-bencana-alam-kereta-kena-banjir_timpa-pokok_ribut-taufan_tanah-runtuh-1.webp?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-3_-Gambar-bencana-alam-kereta-kena-banjir_timpa-pokok_ribut-taufan_tanah-runtuh-1.webp?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-3_-Gambar-bencana-alam-kereta-kena-banjir_timpa-pokok_ribut-taufan_tanah-runtuh-1.webp?resize=1080%2C608&#038;ssl=1\" alt=\"\" class=\"wp-image-46228\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-3_-Gambar-bencana-alam-kereta-kena-banjir_timpa-pokok_ribut-taufan_tanah-runtuh-1.webp?w=1080&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-3_-Gambar-bencana-alam-kereta-kena-banjir_timpa-pokok_ribut-taufan_tanah-runtuh-1.webp?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-3_-Gambar-bencana-alam-kereta-kena-banjir_timpa-pokok_ribut-taufan_tanah-runtuh-1.webp?resize=768%2C432&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p><strong>Apakah maksud &#8220;peril khas&#8221;?<\/strong><\/p>\n\n\n\n<p>Tambahan peril khas melindungi kereta anda daripada kehilangan atau kerosakan yang disebabkan oleh bencana alam seperti banjir, ribut, taufan, letusan gunung berapi, gempa bumi, tanah runtuh atau mendapan, tertakluk kepada polisi insurans anda.<\/p>\n\n\n\n<p>Perlindungan ini akan memberikan pembayaran atau menampung kos pembaikan kereta anda akibat kerosakan atau kerugian akibat peril semula jadi yang ditetapkan dalam polisi insurans anda.<\/p>\n\n\n\n<p><strong>Bagaimana nak kira premium peril khas?<\/strong><\/p>\n\n\n\n<p>Bergantung pada insurans anda, premium tambahan untuk perlindungan khas boleh berkisar antara 0.25% hingga 0.5% daripada jumlah diinsuranskan kereta anda. Katakan bahawa jumlah diinsuranskan kereta anda ialah RM30,000, maka tambahan peril khas hanya akan menelan kos RM150 atau hanya 0.5% daripada jumlah yang diinsuranskan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tambahan_insurans_kereta_Liabiliti_undang-undang\"><\/span><strong>Tambahan insurans kereta: Liabiliti undang-undang<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bagi insurans kenderaan, terdapat dua jenis perlindungan di bawah satu bumbung liabiliti undang-undang.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Liabiliti_Undang-undang_Penumpang_LLOP\"><\/span><strong>Liabiliti Undang-undang Penumpang (LLOP)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Liabiliti Undang-undang Penumpang (LLOP) melindungi anda apabila pihak ketiga menuntut terhadap anda atas tindakan penumpang anda.<\/p>\n\n\n\n<p>Sebagai contoh, bayangkan penumpang anda membuang botol keluar dari tingkap kereta anda.&nbsp;Botol itu terkena penunggang motosikal di belakang kereta anda, menyebabkan dia hilang kawalan dan terjatuh dari motosikalnya.&nbsp;Katakan penunggang motosikal mengalami kecederaan akibat kejadian itu, penunggang motosikal itu boleh menyaman anda atas kecederaannya dan kerosakan pada motosikalnya.<\/p>\n\n\n\n<p>Pilihan penambahan ini akan melindungi anda daripada liabiliti sedemikian.<\/p>\n\n\n\n<p><strong>Berapakah kos untuk Liabiliti Undang-undang Penumpang (LLOP)?<\/strong><\/p>\n\n\n\n<p>Anda hanya perlu menambah sebanyak RM7.50 kepada premium insurans anda untuk mendapatkan tambahan ini.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Liabiliti_Undang-undang_kepada_Penumpang_LLTP\"><\/span><strong>Liabiliti Undang-undang kepada Penumpang (LLTP)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"46229\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penambahan-insurans-kereta\/attachment\/image-4-gambar-memandu-kereta-ke-singapura-scaled\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-4-Gambar-memandu-kereta-ke-Singapura-scaled-1.webp?fit=1024%2C576&amp;ssl=1\" data-orig-size=\"1024,576\" 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=\"Image-4-Gambar-memandu-kereta-ke-Singapura-scaled\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-4-Gambar-memandu-kereta-ke-Singapura-scaled-1.webp?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-4-Gambar-memandu-kereta-ke-Singapura-scaled-1.webp?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-4-Gambar-memandu-kereta-ke-Singapura-scaled-1.webp?resize=1024%2C576&#038;ssl=1\" alt=\"\" class=\"wp-image-46229\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-4-Gambar-memandu-kereta-ke-Singapura-scaled-1.webp?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-4-Gambar-memandu-kereta-ke-Singapura-scaled-1.webp?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-4-Gambar-memandu-kereta-ke-Singapura-scaled-1.webp?resize=768%2C432&amp;ssl=1 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Liabiliti Undang-undang kepada Penumpang (LLTP) melindungi sebarang liabiliti undang-undang yang diminta oleh penumpang anda terhadap anda dalam kemalangan yang disebabkan oleh pemanduan cuai anda.&nbsp;Perlindungan tambahan ini&nbsp;<strong>diperlukan oleh undang-undang jika anda ingin memandu kereta anda ke Singapura<\/strong>.<\/p>\n\n\n\n<p>Sebagai contoh, bayangkan anda membawa rakan anda menaiki kereta anda.&nbsp;Semasa memandu, anda menggunakan telefon bimbit anda untuk seketika tetapi dalam beberapa saat, anda telah terlanggar sebuah kereta di hadapan anda.&nbsp;Rakan anda cedera akibat kemalangan itu.&nbsp;Rakan anda boleh menyaman anda atas kecederaan yang dialami akibat pemanduan cuai anda.<\/p>\n\n\n\n<p>Dengan mempunyai perlindungan tambahan ini, insurans anda akan menampung kos liabiliti. <\/p>\n\n\n\n<p><strong>Berapakah kos perlindungan Liabiliti Undang-undang kepada Penumpang (LLTP) kepada anda?<\/strong><\/p>\n\n\n\n<p>Biasanya, LLTP melindungi kos tidak melebihi 25% daripada jumlah yang anda bayar untuk polisi insurans asas pihak ketiga anda.&nbsp;Sila semak dengan syarikat insurans anda untuk jumlah sebenar premium tambahan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tambahan_insurans_kereta_Penepian_penambahbaikan\"><\/span><strong>Tambahan insurans kereta: Penepian penambahbaikan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"46230\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penambahan-insurans-kereta\/attachment\/image-5-gambar-repair-kereta-di-workshop-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-5-Gambar-repair-kereta-di-workshop.webp?fit=1024%2C576&amp;ssl=1\" data-orig-size=\"1024,576\" 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=\"Image-5-Gambar-repair-kereta-di-workshop\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-5-Gambar-repair-kereta-di-workshop.webp?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-5-Gambar-repair-kereta-di-workshop.webp?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-5-Gambar-repair-kereta-di-workshop.webp?resize=1024%2C576&#038;ssl=1\" alt=\"\" class=\"wp-image-46230\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-5-Gambar-repair-kereta-di-workshop.webp?w=1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-5-Gambar-repair-kereta-di-workshop.webp?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-5-Gambar-repair-kereta-di-workshop.webp?resize=768%2C432&amp;ssl=1 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Bayangkan kereta anda yang berusia 5 tahun mengalami kemalangan, merosakkan beberapa bahagian asal kereta anda.&nbsp;Memandangkan kereta anda perlu menggunakan alat ganti asal baharu, anda dikehendaki membayar sebahagian daripada kos alat ganti asal baharu.&nbsp;Ini dipanggil sebagai &#8220;betterment.&#8221;<\/p>\n\n\n\n<p>Untuk mengelakkan daripada membayar kos penambahbaikan, pertimbangkan untuk menambah &#8220;penepian penambahbaikan&#8221; pada polisi insurans anda. Ambil perhatian bahawa bergantung kepada syarikat insurans, kos penambahbaikan hanya terpakai kepada kereta yang berumur kurang daripada 5 tahun dan tidak melebihi 15 tahun.<\/p>\n\n\n\n<p><strong>Berapakah kos perlindungan &#8220;penepian penambahbaikan&#8221; yang akan dikenakan kepada anda?<\/strong><\/p>\n\n\n\n<p>Peratusan peningkatan yang perlu anda bayar berbeza-beza mengikut umur kereta anda.&nbsp;Kos pembaikan meningkat apabila kereta anda semakin tua.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Dapatkan_pilihan_penambahan_insurans_kereta_di_Bjak\"><\/span>Dapatkan pilihan penambahan insurans kereta di Bjak<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kami telah berkongsi dengan anda lima pilihan penambahan insurans kereta yang disyorkan untuk anda miliki.&nbsp;Sebelum anda memperbaharui insurans kereta anda, pertimbangkan mana-mana <em>add-on<\/em> yang telah kami kongsikan untuk menjimatkan wang anda dalam kejadian yang tidak diingini.<\/p>\n\n\n\n<p>Adakah anda ingin memasukkan mana-mana&nbsp;pilihan penambahan&nbsp;insurans kereta dalam polisi insurans anda?&nbsp;Pergi ke Bjak dan cuma tambahkan mana-mana penambahan insurans kereta yang anda perlukan apabila anda memperbaharui insurans kereta anda dalam talian.<\/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=penambahan-insurans-kereta\">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\/pengecualian-utama-dalam-insurans\/\">Ini Maksud Pengecualian Utama Dalam Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/jumlah-diinsuranskan\/\">Fahami Maksud Jumlah Yang Diinsuranskan Dalam Insurans Kenderaan<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/pengecualian-dalam-insurans\/\">4 Pengecualian Dalam Insurans Kereta Perlu Anda Ada Untuk Perlindungan Yang Berbaloi<\/a><\/li><\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Adakah perlindungan insurans kereta anda mencukupi? Baca untuk ketahui pilihan add-on yang kami syorkan untuk anda tambah.<\/p>\n","protected":false},"author":23,"featured_media":46237,"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>Pilihan Penambahan Untuk Insurans Kereta Yang Disyorkan<\/title>\n<meta name=\"description\" content=\"Adakah perlindungan insurans kereta anda mencukupi? 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Baca untuk ketahui pilihan add-on yang kami syorkan untuk anda tambah.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penambahan-insurans-kereta\" \/>\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=\"2024-02-20T08:00:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-11T11:44:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Featured-Images-2-16_censored-1.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=\"6 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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