{"id":46272,"date":"2024-02-23T16:02:01","date_gmt":"2024-02-23T08:02:01","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46272"},"modified":"2024-02-23T16:02:05","modified_gmt":"2024-02-23T08:02:05","slug":"fahami-lebihan-wajib-dalam-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-lebihan-wajib-dalam-insurans-kereta","title":{"rendered":"Fahami Lebihan Wajib Dalam Insurans Kereta"},"content":{"rendered":"\n<p>Dalam <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi&nbsp;insuran kereta<\/a>, anda akan menemui istilah atau klausa yang dinamakan &#8220;lebihan&#8221;.&nbsp;Jadi apakah maksud lebihan dalam <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a>?&nbsp;Kami akan menerangkan istilah lebihan, termasuk lebihan wajib, dalam 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-69e0130face1d\" 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-69e0130face1d\"><\/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\/fahami-lebihan-wajib-dalam-insurans-kereta\/#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-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-lebihan-wajib-dalam-insurans-kereta\/#Jenis-jenis_lebihan\" title=\"Jenis-jenis lebihan&nbsp;\">Jenis-jenis lebihan&nbsp;<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-lebihan-wajib-dalam-insurans-kereta\/#Lebihan_sukarela\" title=\"Lebihan sukarela&nbsp;\">Lebihan sukarela&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-lebihan-wajib-dalam-insurans-kereta\/#Lebihan_wajib\" title=\"Lebihan wajib\">Lebihan wajib<\/a><\/li><\/ul><\/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\/fahami-lebihan-wajib-dalam-insurans-kereta\/#Adakah_pemegang_polisi_mendapat_bayaran_balik_atas_lebihan_wajib\" title=\"Adakah pemegang polisi mendapat bayaran balik atas lebihan wajib?\">Adakah pemegang polisi mendapat bayaran balik atas lebihan wajib?<\/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\/fahami-lebihan-wajib-dalam-insurans-kereta\/#Penepian_lebihan_wajib\" title=\"Penepian lebihan wajib\">Penepian lebihan wajib<\/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\/fahami-lebihan-wajib-dalam-insurans-kereta\/#Berapakah_penepian_kos_lebihan_wajib\" title=\"Berapakah penepian kos lebihan wajib?\">Berapakah penepian kos lebihan wajib?<\/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\/fahami-lebihan-wajib-dalam-insurans-kereta\/#Adakah_semua_syarikat_insurans_menawarkan_penepian_lebihan_wajib\" title=\"Adakah semua syarikat insurans menawarkan penepian lebihan wajib?\">Adakah semua syarikat insurans menawarkan penepian lebihan wajib?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-lebihan-wajib-dalam-insurans-kereta\/#Fahami_polisi_insurans_anda\" title=\"Fahami polisi insurans anda\">Fahami polisi insurans anda<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_lebihan\"><\/span>Apakah lebihan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Lebihan ialah bayaran pertama yang perlu anda buat apabila anda menuntut insurans anda<\/strong>&nbsp;sebelum penanggung insurans anda melindungi jumlah yang selebihnya.&nbsp;Anda perlu membayar lebihan&nbsp;<strong><em>walaupun<\/em>&nbsp;anda tidak bersalah<\/strong>.<\/p>\n\n\n\n<p>Walau bagaimanapun, ambil perhatian bahawa lebihan tidak terpakai kepada sebarang kerugian atau kerosakan yang disebabkan oleh kebakaran, letupan, kilat, kecurian, pecah rumah, rompakan, kerosakan harta benda pihak ketiga atau tuntutan kecederaan badan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Jenis-jenis_lebihan\"><\/span>Jenis-jenis lebihan&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Terdapat dua jenis lebihan iaitu&nbsp;<strong>lebihan wajib<\/strong>&nbsp;&nbsp;dan&nbsp;&nbsp;<strong>lebihan&nbsp;sukarela<\/strong>&nbsp;.<\/p>\n\n\n\n<p>Mari kita lihat makna setiap jenis yang berlebihan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Lebihan_sukarela\"><\/span>Lebihan sukarela&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Lebihan sukarela ialah&nbsp;<strong>jumlah yang anda bayar secara sukarela apabila anda membuat tuntutan insurans kereta.&nbsp;<\/strong>Walaupun sesetengah penanggung insurans memerlukan lebihan sukarela, sesetengah penanggung insurans tidak mengenakan lebihan sukarela.&nbsp;Walau bagaimanapun, premium insurans anda mungkin lebih tinggi.&nbsp;Untuk makluman anda, amaun lebihan sukarela berbeza-beza mengikut syarikat insurans.<\/p>\n\n\n\n<p>Terdapat beberapa sebab mengapa anda perlu membayar lebihan:<\/p>\n\n\n\n<ul><li>Pemilik kenderaan berumur di bawah 21 tahun<\/li><li>Risiko tinggi kereta dicuri<\/li><li>Sebuah kenderaan lama<\/li><\/ul>\n\n\n\n<p>Jumlah lebihan ialah peratusan tertentu daripada jumlah yang diinsuranskan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Lebihan_wajib\"><\/span>Lebihan wajib<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Untuk lebihan wajib, sebelum anda boleh membuat&nbsp;tuntutan insurans, anda perlu menanggung lebihan tetap pada RM400, jika anda atau orang yang memandu kereta anda dengan kebenaran anda:<\/p>\n\n\n\n<ul><li>Berumur di bawah 21 tahun<\/li><li>Memiliki lesen memandu sementara (P) atau Pelajar (L).<\/li><li>Tidak dinamakan dalam polisi insurans anda sebagai pemandu bernama<\/li><\/ul>\n\n\n\n<p><strong>Contoh:<\/strong><\/p>\n\n\n\n<p><em>Aida mengalami kemalangan semasa memandu kereta ayahnya.&nbsp;Walaupun Aida adalah pemandu kereta tersebut, bapanya masih perlu membayar lebihan wajib sebanyak RM400 memandangkan usianya di bawah 21 tahun.<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_pemegang_polisi_mendapat_bayaran_balik_atas_lebihan_wajib\"><\/span>Adakah pemegang polisi mendapat bayaran balik atas lebihan wajib?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pemegang polisi mesti membayar lebihan wajib sebanyak RM400 untuk situasi yang dinyatakan di atas.&nbsp;Oleh itu, wang tersebut tidak akan dikembalikan kepada pemegang polisi walaupun mereka bukan pihak yang bersalah.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Penepian_lebihan_wajib\"><\/span>Penepian lebihan wajib<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Walaupun adalah wajib untuk membayar lebihan wajib, sesetengah penanggung insurans menawarkan penepian lebihan sebagai perlindungan tambahan untuk pemegang polisi komprehensif.<\/p>\n\n\n\n<p>Pengecualian lebihan wajib akan meringankan beban kewangan pemegang polisi.<\/p>\n\n\n\n<p><strong>Contoh:<\/strong><\/p>\n\n\n\n<p><em>Mari kita pertimbangkan situasi yang dialami oleh Aida dalam contoh terdahulu.&nbsp;Dengan pengecualian lebihan wajib, bapa Aida tidak perlu membayar lebihan RM400 kerana dia dikecualikan daripadanya.<\/em><\/p>\n\n\n\n<p>Rujuk visual kami di bawah untuk pemahaman yang lebih baik:<\/p>\n\n\n\n<p><strong><em>Jumlah keseluruhan tuntutan kemalangan yang disebabkan oleh Aida ialah RM3,000<\/em><\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img data-attachment-id=\"46273\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-lebihan-wajib-dalam-insurans-kereta\/attachment\/photo_2021-11-26-14-01-31-3\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/photo_2021-11-26-14.01.31.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_2021-11-26-14.01.31\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/photo_2021-11-26-14.01.31.webp?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/photo_2021-11-26-14.01.31.webp?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/photo_2021-11-26-14.01.31.webp?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-46273\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/photo_2021-11-26-14.01.31.webp?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/photo_2021-11-26-14.01.31.webp?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/photo_2021-11-26-14.01.31.webp?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/photo_2021-11-26-14.01.31.webp?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapakah_penepian_kos_lebihan_wajib\"><\/span>Berapakah penepian kos lebihan wajib?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Premium tambahan untuk pengecualian lebihan wajib hanya antara RM20 hingga RM30 untuk kereta persendirian.&nbsp;Daripada membayar RM400 untuk lebihan, kami mengesyorkan agar anda mendapatkan perlindungan tambahan ini untuk menjimatkan wang anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_semua_syarikat_insurans_menawarkan_penepian_lebihan_wajib\"><\/span>Adakah semua syarikat insurans menawarkan penepian lebihan wajib?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><em>Tidak<\/em>&nbsp;semua penanggung insurans menawarkan perlindungan tambahan ini dalam polisi komprehensif mereka.<\/p>\n\n\n\n<p>Jika anda ingin mendapatkan perlindungan tambahan ini, MSIG, Liberty Insurance dan Tokio Marine adalah antara syarikat insurans yang menawarkan perlindungan ini.<\/p>\n\n\n\n<p>Di samping itu, sesetengah penanggung insurans menawarkan pengecualian&nbsp;lebihan wajib&nbsp;untuk pemegang polisi komprehensif mereka secara&nbsp;<em>percuma<\/em>&nbsp;seperti Takaful Ikhlas.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Fahami_polisi_insurans_anda\"><\/span>Fahami polisi insurans anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebagai pemilik kereta, adalah penting untuk anda memahami klausa penting dalam polisi anda untuk memudahkan tuntutan insurans anda pada masa hadapan.&nbsp;Sebagai contoh, jika anda tidak mengetahui lebihan klausa dalam polisi anda, anda mungkin mempersoalkan mengapa anda perlu membayar RM400 apabila membuat tuntutan insurans di mana anda tidak bersalah.<\/p>\n\n\n\n<p>Selain itu, memahami klausa insurans yang penting akan membantu anda mendapatkan pelan insurans yang lebih baik dan lebih murah.&nbsp;Ini kerana tidak semua syarikat insurans menawarkan perlindungan tambahan yang serupa untuk insurans kereta.<\/p>\n\n\n\n<p>Oleh itu, sebaiknya anda membandingkan polisi insurans kereta sebelum anda membeli sebarang pelan insurans.&nbsp;Untuk kemudahan anda, anda boleh membandingkan sehingga 23 jenama insurans di salah satu platform perbandingan insurans terbesar di Malaysia, Bjak.&nbsp;Mulakan dengan mendapatkan sebut <a href=\"https:\/\/bjak.my\/blog\/senarai-harga-insuran-kereta-ikut-cc\/\">harga insurans kereta<\/a>&nbsp;<em>percuma<\/em>&nbsp;anda dalam talian di Bjak.my hari ini.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kebanyakan polisi insurans kereta tertakluk kepada lebihan klausa. Ketahui dalam artikel ini cara lebihan sukarela dan wajib berfungsi.<\/p>\n","protected":false},"author":23,"featured_media":46284,"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>Fahami Lebihan Wajib Dalam Insurans Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"Kebanyakan polisi insurans kereta tertakluk kepada lebihan klausa. 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