{"id":46323,"date":"2024-02-27T16:53:06","date_gmt":"2024-02-27T08:53:06","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46323"},"modified":"2025-07-11T19:35:45","modified_gmt":"2025-07-11T11:35:45","slug":"insuran-kereta-takaful","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful","title":{"rendered":"Insuran Kereta Takaful: Definisi, Ciri &#038; Pembekal Di Malaysia"},"content":{"rendered":"\n<p>Selain daripada&nbsp;<a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> konvensional, pemilik kereta di Malaysia juga mempunyai pilihan untuk mendapatkan insuran kereta takaful. <\/p>\n\n\n\n<p>Untuk membantu anda memahami <a href=\"https:\/\/bjak.my\/blog\/takaful-kereta-panduan\/\">insuran kereta takaful<\/a> dengan lebih baik, artikel ini akan menjelaskan berkenaan definisi, ciri dan pembekal insurans takaful di Malaysia dan menjawab beberapa soalan yang mungkin anda ada mengenai insurans kereta takaful.<\/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-69dffca57d8fe\" 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-69dffca57d8fe\"><\/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\/insuran-kereta-takaful\/#Definisi_takaful\" title=\"Definisi takaful\">Definisi takaful<\/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\/insuran-kereta-takaful\/#Apakah_fungsi_takaful\" title=\"Apakah fungsi takaful?\">Apakah fungsi takaful?<\/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\/insuran-kereta-takaful\/#Ciri-ciri_takaful\" title=\"Ciri-ciri takaful\">Ciri-ciri takaful<\/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\/insuran-kereta-takaful\/#Perbezaan_antara_takaful_dan_insurans_konvensional\" title=\"Perbezaan antara takaful dan insurans konvensional\">Perbezaan antara takaful dan insurans konvensional<\/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\/insuran-kereta-takaful\/#Jenis-jenis_takaful_motor\" title=\"Jenis-jenis takaful motor\">Jenis-jenis takaful motor<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/#Menyeluruh\" title=\"Menyeluruh\">Menyeluruh<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/#Pihak_ketiga_kebakaran_dan_kecurian\" title=\"Pihak ketiga, kebakaran dan kecurian\">Pihak ketiga, kebakaran dan kecurian<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/#Pihak_ketiga\" title=\"Pihak ketiga\">Pihak ketiga<\/a><\/li><\/ul><\/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\/insuran-kereta-takaful\/#Bolehkah_orang_bukan_Islam_membeli_takaful_motor\" title=\"Bolehkah orang bukan Islam membeli takaful motor?\">Bolehkah orang bukan Islam membeli takaful motor?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/#Bolehkah_orang_Islam_membeli_insurans_kereta_konvensional\" title=\"Bolehkah orang Islam membeli insurans kereta konvensional?\">Bolehkah orang Islam membeli insurans kereta konvensional?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/#Takaful_motor_terbaik_di_Malaysia\" title=\"Takaful motor terbaik di Malaysia\">Takaful motor terbaik di Malaysia<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/#Etiqa_Takaful\" title=\"Etiqa Takaful\">Etiqa Takaful<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/#Takaful_Malaysia\" title=\"Takaful Malaysia\">Takaful Malaysia<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/#Takaful_Ikhlas\" title=\"Takaful Ikhlas\">Takaful Ikhlas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/#Zurich_Takaful\" title=\"Zurich Takaful\">Zurich Takaful<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/#Insurans_kereta_konvensional_atau_takaful_yang_lebih_baik\" title=\"Insurans kereta konvensional atau takaful yang lebih baik?\">Insurans kereta konvensional atau takaful yang lebih baik?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/#Bandingkan_takaful_di_BJAK\" title=\"Bandingkan takaful di BJAK\">Bandingkan takaful di BJAK<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Definisi_takaful\"><\/span>Definisi takaful<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Takaful adalah konsep insurans yang mematuhi undang-undang Syariah yang bebas daripada unsur-unsur yang dilarang dalam Islam.&nbsp;Unsur-unsur tersebut ialah Riba&#8217; (faedah), Maysir (judi) dan Gharar (ketidakpastian).<\/p>\n\n\n\n<p>Selain itu, takaful menggalakkan konsep kerjasama di kalangan peserta termasuk pembekal takaful untuk menjamin satu sama lain sekiranya berlaku kerugian.&nbsp;Khususnya, peserta membayar caruman secara sukarela kepada dana Takaful yang dikongsi dan bersetuju untuk berkongsi semua risiko dan lebihan secara bersama.<\/p>\n\n\n\n<p>Di Malaysia, takaful telah diwujudkan sebagai alternatif kepada rakyat Malaysia terutamanya yang beragama Islam, khususnya untuk mengelakkan unsur-unsur yang dilarang dalam Islam.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_fungsi_takaful\"><\/span>Apakah fungsi takaful?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara umumnya, insurans kereta dan takaful konvensional berkongsi objektif yang sama untuk melindungi pemegang polisi dan\/atau pihak ketiga sekiranya berlaku kemalangan, kerosakan pada kereta dan harta benda, kebakaran dan kecurian, seperti yang ditetapkan dalam polisi yang dipilih.<\/p>\n\n\n\n<p>Seperti insurans kereta konvensional, takaful motor melindungi pemilik kereta daripada terpaksa menanggung kos yang tinggi untuk sebarang kehilangan atau kerosakan akibat daripada mana-mana peristiwa yang dinyatakan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Ciri-ciri_takaful\"><\/span>Ciri-ciri takaful<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Terdapat tiga ciri utama takaful iaitu perkongsian risiko, tiada bonus tuntutan dan patuh Syariah seperti yang dijelaskan di bawah:<\/p>\n\n\n\n<ul><li><strong>Perkongsian risiko<\/strong> &#8211; Peserta di bawah skim Takaful berkongsi semua risiko secara bersama.<\/li><li><strong>Tiada bonus tuntutan<\/strong> &#8211; Ini adalah salah satu keistimewaan yang dapat dinikmati oleh peserta di bawah perlindungan Takaful.&nbsp;Jika anda tidak membuat sebarang tuntutan dalam tempoh polisi anda, anda layak menerima ganjaran pulangan tunai.&nbsp;Untuk makluman anda, jumlah pulangan tunai berbeza di seluruh syarikat takaful kerana ia tidak tetap.<\/li><li><strong>Patuh syariah<\/strong> &#8211; Pelan takaful mesti mematuhi undang-undang Syariah.&nbsp;Oleh itu, produk takaful adalah bebas daripada unsur-unsur yang dilarang dalam Islam seperti faedah, perjudian dan ketidakpastian.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img data-attachment-id=\"46324\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/attachment\/211112-bjakblog-adilah-takafulvsconventional-b-01-01-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01.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=\"211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01.webp?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01.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\/02\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01.webp?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-46324\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01.webp?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01.webp?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01.webp?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01.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=\"Perbezaan_antara_takaful_dan_insurans_konvensional\"><\/span>Perbezaan antara takaful dan insurans konvensional<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Seperti yang dinyatakan, insurans dan takaful konvensional berkongsi objektif yang sama untuk melindungi pemegang polisi dan\/atau pihak ketiga sekiranya berlaku kemalangan, kerosakan pada kereta dan harta benda, kebakaran dan kecurian, tertakluk kepada polisi yang dipilih.<\/p>\n\n\n\n<p>Walau bagaimanapun, perbezaan utama antara takaful dan insurans konvensional ialah takaful bebas daripada unsur-unsur yang bertentangan dengan Islam termasuk Riba&#8217; (faedah), Maysir (perjudian) dan Gharar (ketidakpastian).<\/p>\n\n\n\n<p>Untuk rujukan anda, berikut adalah perbezaan antara takaful dan insurans konvensional:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img data-attachment-id=\"46325\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/attachment\/image-2-en-_-takaful-vs-konvensional-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-2-EN-_-Takaful-vs-Konvensional.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=\"Image-2-EN-_-Takaful-vs-Konvensional\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-2-EN-_-Takaful-vs-Konvensional.webp?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-2-EN-_-Takaful-vs-Konvensional.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\/Image-2-EN-_-Takaful-vs-Konvensional.webp?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-46325\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-2-EN-_-Takaful-vs-Konvensional.webp?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-2-EN-_-Takaful-vs-Konvensional.webp?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-2-EN-_-Takaful-vs-Konvensional.webp?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Image-2-EN-_-Takaful-vs-Konvensional.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=\"Jenis-jenis_takaful_motor\"><\/span>Jenis-jenis takaful motor<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Seperti&nbsp;insurans kereta konvensional, terdapat juga tiga jenis takaful motor iaitu&nbsp;komprehensif,&nbsp;pihak ketiga, kebakaran dan kecurian&nbsp;dan&nbsp;pihak ketiga.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Menyeluruh\"><\/span>Menyeluruh<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Takaful motor komprehensif menawarkan perlindungan yang paling komprehensif.&nbsp;Ia memberi perlindungan kepada pemegang polisi daripada sebarang kerugian atau kerosakan harta benda mereka dan tuntutan pihak ketiga, yang termasuk kehilangan atau kerosakan harta benda, kecederaan atau kematian pihak ketiga yang disebabkan oleh anda. <\/p>\n\n\n\n<p>Polisi ini biasanya wajib untuk kereta baharu berumur 10 tahun ke bawah.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Pihak_ketiga_kebakaran_dan_kecurian\"><\/span>Pihak ketiga, kebakaran dan kecurian<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Takaful motor kebakaran dan kecurian pihak ketiga melindungi pemegang polisi daripada tuntutan pihak ketiga yang merangkumi kerugian atau kerosakan harta benda, kecederaan atau kematian pihak ketiga yang disebabkan oleh anda.<\/p>\n\n\n\n<p>Selain itu, polisi ini menawarkan perlindungan tambahan yang akan melindungi kenderaan anda sekiranya berlaku kebakaran dan kecurian.<\/p>\n\n\n\n<p>Polisi ini lebih sesuai untuk kenderaan lama (10 tahun ke atas) dan jarang digunakan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Pihak_ketiga\"><\/span>Pihak ketiga<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Takaful motor pihak ketiga adalah polisi paling asas kerana ia hanya memberi perlindungan kepada pihak ketiga.&nbsp;Ia termasuk kerosakan atau kehilangan harta benda dan nyawa pihak ketiga akibat kemalangan kereta yang disebabkan oleh anda.&nbsp;<\/p>\n\n\n\n<p>Oleh itu, katakan kereta anda rosak akibat kemalangan di mana anda bersalah, anda perlu menanggung kos pembaikan kereta anda.<\/p>\n\n\n\n<p>Untuk memudahkan rujukan anda, di bawah ialah ringkasan perbezaan antara tiga&nbsp;jenis <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta:<\/a><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img data-attachment-id=\"46326\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/attachment\/56412-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/56412.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=\"56412\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/56412.webp?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/56412.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\/56412.webp?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-46326\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/56412.webp?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/56412.webp?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/56412.webp?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/56412.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=\"Bolehkah_orang_bukan_Islam_membeli_takaful_motor\"><\/span>Bolehkah orang bukan Islam membeli takaful motor?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ya.&nbsp;Walaupun takaful motor menyediakan perlindungan yang mematuhi undang-undang Syariah, ia tidak bermakna ia hanya ditawarkan kepada orang Islam.&nbsp;Malah, sesiapa sahaja termasuk bukan Islam boleh membeli takaful motor.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bolehkah_orang_Islam_membeli_insurans_kereta_konvensional\"><\/span>Bolehkah orang Islam membeli insurans kereta konvensional?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Seperti yang dinyatakan, insurans konvensional mungkin mempunyai unsur-unsur yang dilarang dalam Islam iaitu Riba&#8217; (faedah), Maysir (judi) dan Gharar (ketidakpastian).<\/p>\n\n\n\n<p>Bagi orang Islam, wajib bagi mereka mencari yang&nbsp;<em>halal&nbsp;<\/em>dan menepati ajaran Islam.<\/p>\n\n\n\n<p>Oleh itu, selaras dengan keputusan&nbsp;<em><a href=\"http:\/\/e-muamalat.islam.gov.my\/en\/bahan-ilmiah\/artikel\/148-menyertai-polisi-insurans-konvensional-halal-atau-haram\">Muzakarah Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia<\/a><\/em><a href=\"http:\/\/e-muamalat.islam.gov.my\/en\/bahan-ilmiah\/artikel\/148-menyertai-polisi-insurans-konvensional-halal-atau-haram\">&nbsp;&nbsp;(MJFK)<\/a>, pembelian produk insurans konvensional termasuk insurans am dan hayat adalah tidak mematuhi agama Islam, terutamanya kerana ia mengandungi tiga elemen yang dilarang, yang telah kami sebutkan tadi.<em>&nbsp;<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Takaful_motor_terbaik_di_Malaysia\"><\/span>Takaful motor terbaik di Malaysia<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Menurut&nbsp;&nbsp;<a href=\"https:\/\/www.malaysiantakaful.com.my\/general-takaful\/motor-takaful\">Persatuan Takaful Malaysia (MTA)<\/a>, terdapat empat pengendali takaful motor di Malaysia iaitu Etiqa Takaful, Takaful Malaysia, Takaful Ikhlas dan Zurich Takaful.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Etiqa_Takaful\"><\/span>Etiqa Takaful<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img data-attachment-id=\"46327\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/attachment\/etiqa-logo-1920-x-1080-1-3\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Etiqa-Logo-1920-x-1080-1.webp?fit=1536%2C864&amp;ssl=1\" data-orig-size=\"1536,864\" 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=\"Etiqa-Logo-1920-x-1080-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Etiqa-Logo-1920-x-1080-1.webp?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Etiqa-Logo-1920-x-1080-1.webp?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Etiqa-Logo-1920-x-1080-1.webp?resize=1080%2C608&#038;ssl=1\" alt=\"\" class=\"wp-image-46327\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Etiqa-Logo-1920-x-1080-1.webp?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Etiqa-Logo-1920-x-1080-1.webp?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Etiqa-Logo-1920-x-1080-1.webp?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Etiqa-Logo-1920-x-1080-1.webp?w=1536&amp;ssl=1 1536w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Etiqa Takaful menawarkan faedah menarik termasuk:<\/p>\n\n\n\n<p><strong>Percuma semua perlindungan pemandu<\/strong>.&nbsp;Etiqa Takaful menawarkan&nbsp;perlindungan percuma kepada semua pemandu.&nbsp;Oleh itu, anda tidak perlu memasukkan mana-mana pemandu bernama.&nbsp;Semua pemandu anda yang diberi kuasa dilindungi secara automatik secara percuma.<\/p>\n\n\n\n<p><strong>Nilai yang dipersetujui, bukan&nbsp;nilai pasaran<\/strong>.&nbsp;Pampasan untuk tuntutan adalah mengikut nilai yang dipersetujui.&nbsp;Ini bermakna anda akan mendapat amaun penuh yang diinsuranskan sekiranya berlaku kecurian kereta atau jumlah kerugian.<\/p>\n\n\n\n<p><strong>Tiada lebihan<\/strong>.&nbsp;Penanggung insurans tertentu akan memerlukan anda membayar&nbsp;lebihan&nbsp;untuk setiap tuntutan.&nbsp;Walau bagaimanapun, bagi pemandu yang berumur 21 tahun ke atas, Etiqa Takaful tidak mengenakan sebarang lebihan.<\/p>\n\n\n\n<p><strong>Kereta ihsan percuma selepas tuntutan kemalangan<\/strong>.&nbsp;Etiqa Takaful membenarkan anda menggunakan kereta ihsan percuma&nbsp;selama 14 hari.&nbsp;Manfaat ini jarang ditawarkan oleh pembekal insurans kereta atau takaful motor yang lain.&nbsp;Ini akan berguna terutamanya jika anda sangat bergantung pada hanya satu kereta untuk pengangkutan harian anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Takaful_Malaysia\"><\/span>Takaful Malaysia<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Takaful&nbsp;<em>myMotor<\/em>&nbsp;di bawah Takaful Malaysia menawarkan dua jenis perlindungan iaitu&nbsp;perlindungan komprehensif&nbsp;dan&nbsp;perlindungan pihak ketiga, kebakaran dan kecurian.<\/p>\n\n\n\n<p><strong>Liputan yang menyeluruh<\/strong>.&nbsp;Pemegang polisi akan menerima pampasan untuk kerugian atau kerosakan kereta mereka sendiri yang disebabkan oleh kemalangan, kecurian atau kebakaran yang tidak disengajakan.&nbsp;Polisi ini juga akan melindungi pihak ketiga daripada kecederaan, kematian, kerugian dan kerosakan harta benda.<\/p>\n\n\n\n<p><strong>Perlindungan pihak ketiga, kebakaran dan kecurian<\/strong>.&nbsp;Pampasan diberikan kepada pihak ketiga sekiranya berlaku kematian, kecederaan, kerosakan atau kehilangan kenderaan pihak ketiga.&nbsp;Sementara itu, pemegang polisi hanya akan menerima perlindungan untuk kerugian dan kerosakan yang disebabkan oleh kebakaran, letupan, kilat, rompakan, pecah rumah atau kecurian.<\/p>\n\n\n\n<p>Seperti Etiqa Takaful, Takaful Malaysia juga menyediakan&nbsp;<strong>perlindungan percuma untuk semua pemandu<\/strong>.<\/p>\n\n\n\n<p>Lebih menarik, Takaful Malaysia turut menawarkan&nbsp;<strong>perlindungan kemalangan diri&nbsp;secara percuma<\/strong>.&nbsp;Pelan komprehensifnya dilengkapi dengan perlindungan kemalangan peribadi percuma sebanyak RM15,000 untuk setiap pemandu dan penumpang sekiranya berlaku kematian akibat kemalangan atau hilang upaya kekal.<\/p>\n\n\n\n<p>Di samping itu, pemegang polisi Takaful Malaysia layak mendapat&nbsp;<strong>pulangan tunai<\/strong>&nbsp;dengan syarat jumlah tuntutan mereka di bawah 7.5%.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Takaful_Ikhlas\"><\/span>Takaful Ikhlas<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=\"46328\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/attachment\/logo-takaful-ikhlas-1920-x-1080-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/logo-takaful-ikhlas-1920-x-1080.webp?fit=1536%2C864&amp;ssl=1\" data-orig-size=\"1536,864\" 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=\"logo-takaful-ikhlas-1920-x-1080\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/logo-takaful-ikhlas-1920-x-1080.webp?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/logo-takaful-ikhlas-1920-x-1080.webp?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/logo-takaful-ikhlas-1920-x-1080.webp?resize=1080%2C608&#038;ssl=1\" alt=\"\" class=\"wp-image-46328\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/logo-takaful-ikhlas-1920-x-1080.webp?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/logo-takaful-ikhlas-1920-x-1080.webp?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/logo-takaful-ikhlas-1920-x-1080.webp?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/logo-takaful-ikhlas-1920-x-1080.webp?w=1536&amp;ssl=1 1536w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Takaful Ikhlas juga menawarkan perlindungan komprehensif untuk kerosakan dan kerugian kereta akibat kemalangan kereta, kecurian atau kebakaran.&nbsp;Polisi ini juga melindungi liabiliti terhadap pihak ketiga untuk kecederaan, kematian dan kerosakan atau kerugian harta benda.<\/p>\n\n\n\n<p>Beberapa manfaat utama yang ditawarkan oleh Takaful Ikhlas ialah&nbsp;<strong>pemandu bernama tambahan percuma sehingga 10 pemandu<\/strong>&nbsp;dan&nbsp;<strong>perlindungan kemalangan diri<\/strong>&nbsp;sehingga RM10,000 untuk pemegang polisi.&nbsp;Selanjutnya, Takaful Ikhlas&nbsp;<strong>mengetepikan lebihan wajib bagi pemandu yang tidak dinamakan<\/strong>&nbsp;dan menawarkan&nbsp;<strong>pembayaran balik yuran pengangkutan<\/strong>&nbsp;sehingga RM100 untuk penggunaan pengangkutan awam anda apabila kereta anda dibaiki di bengkel panel.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Zurich_Takaful\"><\/span>Zurich Takaful<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=\"46329\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\/attachment\/zurich-takaful-1920-x-1080-5\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/zurich-takaful-1920-x-1080.webp?fit=1536%2C864&amp;ssl=1\" data-orig-size=\"1536,864\" 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=\"zurich-takaful-1920-x-1080\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/zurich-takaful-1920-x-1080.webp?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/zurich-takaful-1920-x-1080.webp?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/zurich-takaful-1920-x-1080.webp?resize=1080%2C608&#038;ssl=1\" alt=\"\" class=\"wp-image-46329\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/zurich-takaful-1920-x-1080.webp?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/zurich-takaful-1920-x-1080.webp?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/zurich-takaful-1920-x-1080.webp?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/zurich-takaful-1920-x-1080.webp?w=1536&amp;ssl=1 1536w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Zurich Takaful juga menyediakan perlindungan terhadap pihak ketiga untuk kecederaan, kematian, kerosakan harta benda pihak ketiga serta kerosakan pada kenderaan pemegang polisi akibat kemalangan kereta, kecurian atau kebakaran.<\/p>\n\n\n\n<p>Melalui produknya, Z-Driver Takaful, Takaful Ikhlas turut menawarkan pelbagai manfaat termasuk&nbsp;<strong>perlindungan kemalangan diri<\/strong>&nbsp;sehingga RM175,000 dengan harga serendah RM15 setahun.&nbsp;Tidak seperti Takaful Malaysia dan Takaful Ikhlas yang menawarkan perlindungan kemalangan peribadi percuma, Zurich Takaful mengenakan yuran nominal untuk perlindungan kemalangan diri serendah RM15 setahun untuk perlindungan sehingga RM175,000, tertakluk kepada terma dan syarat.&nbsp;Perlindungan tambahan ini melindungi anda sebagai peserta dan penumpang lain.<\/p>\n\n\n\n<p>Tambahan pula, Zurich Takaful juga membenarkan anda melanjutkan perlindungan anda kepada&nbsp;<strong>bilangan pemandu tambahan yang dinamakan tanpa had<\/strong>, secara percuma.&nbsp;Satu lagi ciri menarik pelan komprehensif Zurich Takaful ialah&nbsp;<strong>penepian perlindungan kos penambahbaikan<\/strong>.&nbsp;Sekiranya berlaku kemalangan, anda boleh menggantikan bahagian kereta anda yang rosak dengan alat ganti yang baru dan asli, tanpa kos tambahan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Insurans_kereta_konvensional_atau_takaful_yang_lebih_baik\"><\/span>Insurans kereta konvensional atau takaful yang lebih baik?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Berdasarkan apa yang telah kami kongsikan, insurans kereta konvensional dan takaful motor berkongsi tujuan yang sama untuk menyediakan perlindungan kepada pemegang polisi.&nbsp;Kedua-duanya juga menawarkan perlindungan untuk kenderaan pemegang polisi sekiranya berlaku kemalangan, kebakaran dan kecurian.&nbsp;Namun, bagi orang Islam, wajib membeli takaful motor kerana ia bebas daripada unsur-unsur yang dilarang dalam Islam.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bandingkan_takaful_di_BJAK\"><\/span>Bandingkan takaful di BJAK<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kami berharap perkongsian kami di atas dapat membantu anda membezakan dan memilih antara insurans kereta konvensional dan takaful motor.<\/p>\n\n\n\n<p>Seperti yang telah kami nyatakan, sesiapa sahaja \u2013 tanpa mengira agama mereka \u2013 boleh membeli takaful motor tanpa sebarang kebimbangan.&nbsp;Walau bagaimanapun, pastikan anda memahami prinsip yang terpakai serta perlindungan yang ditawarkan oleh setiap takaful motor.<\/p>\n\n\n\n<p>Anda boleh membandingkan semua penyedia takaful motor seperti yang disenaraikan di atas melalui&nbsp;salah satu tapak perbandingan insurans terbesar di Malaysia, Bjak.&nbsp;Layari Bjak.my dan dapatkan&nbsp;sebut harga takaful motor percuma&nbsp;anda hari ini.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em><em>Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan sebut harga percuma di Bjak dan pilih pelan terbaik hari ini!<\/em><\/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=insuran-kereta-takaful\">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\/fahami-lebihan-wajib-dalam-insurans-kereta\/\">Fahami Lebihan Wajib Dalam Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/konvensional-vs-takaful\/\">Insurans Kereta Konvensional Vs Takaful<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/prosedur-tuntut-insurans\/\">Ini Prosedur Nak Tuntut Insurans Kereta \u201cTotal Loss\u201d<\/a><\/li><\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sebelum anda membeli sebarang insuran kereta takaful, ambil tahu dulu berkenaan definisi, ciri dan pembekal di Malaysia.<\/p>\n","protected":false},"author":23,"featured_media":46338,"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>Insuran Kereta Takaful: Definisi, Ciri &amp; Pembekal Di Malaysia<\/title>\n<meta name=\"description\" content=\"Sebelum anda membeli sebarang insuran kereta takaful, ambil tahu dulu berkenaan definisi, ciri dan pembekal di Malaysia.\" \/>\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\/insuran-kereta-takaful\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insuran Kereta Takaful: Definisi, Ciri &amp; Pembekal Di Malaysia\" \/>\n<meta property=\"og:description\" content=\"Sebelum anda membeli sebarang insuran kereta takaful, ambil tahu dulu berkenaan definisi, ciri dan pembekal di Malaysia.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-kereta-takaful\" \/>\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=\"2024-02-27T08:53:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-11T11:35:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/02\/Featured-Images-1-22_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=\"8 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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