{"id":46564,"date":"2024-03-15T16:26:15","date_gmt":"2024-03-15T08:26:15","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46564"},"modified":"2025-07-11T12:38:27","modified_gmt":"2025-07-11T04:38:27","slug":"premium-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/premium-insurans-kereta","title":{"rendered":"Premium Insurans Kereta: Kesan Kemalangan Kereta Terhadapnya"},"content":{"rendered":"\n<p><a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">Insurans kereta<\/a> ialah suatu benda penting yang menawarkan perlindungan bagi memastikan anda tidak terduduk selepas kemalangan. Sebagai pertukaran untuk premium, syarikat insurans menjamin perlindungan seperti yang dinyatakan dalam polisi kereta anda.<\/p>\n\n\n\n<p>Jika anda terfikir untuk failkan tuntutan insurans kenderaan anda, perlu diingat bahawa dengan berbuat demikian boleh memberi kesan kepada premium insurans anda. Jadi, teruskan membaca untuk mengetahui tentang kesan kemalangan kereta pada <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium insurans kereta<\/a> anda.<\/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-69e4a596099b4\" 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-69e4a596099b4\"><\/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\/premium-insurans-kereta\/#Adakah_kemalangan_akan_meningkatkan_premium_insurans_kereta\" title=\"Adakah kemalangan akan meningkatkan premium insurans kereta?\">Adakah kemalangan akan meningkatkan premium insurans kereta?<\/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\/premium-insurans-kereta\/#Jenis-jenis_tuntutan\" title=\"Jenis-jenis tuntutan\">Jenis-jenis tuntutan<\/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\/premium-insurans-kereta\/#Tiada_Diskaun_Tuntutan_NCD\" title=\"Tiada Diskaun Tuntutan (NCD)\">Tiada Diskaun Tuntutan (NCD)<\/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\/premium-insurans-kereta\/#Kerap_kemalangan_saman\" title=\"Kerap kemalangan &amp; saman\">Kerap kemalangan &amp; saman<\/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\/premium-insurans-kereta\/#Perlukah_anda_dedahkan_kemalangan_kereta_sebelumnya_kepada_syarikat_insurans_anda\" title=\"Perlukah anda dedahkan kemalangan kereta sebelumnya kepada syarikat insurans anda?\">Perlukah anda dedahkan kemalangan kereta sebelumnya kepada syarikat insurans anda?<\/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\/premium-insurans-kereta\/#Berhati-hati_apabila_anda_buat_tuntutan\" title=\"Berhati-hati apabila anda buat tuntutan\">Berhati-hati apabila anda buat tuntutan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Adakah_kemalangan_akan_meningkatkan_premium_insurans_kereta\"><\/span>Adakah kemalangan akan meningkatkan premium insurans kereta?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Malangnya, YA.&nbsp;Apabila anda memfailkan tuntutan, kemungkinan besar kadar&nbsp;insurans kereta&nbsp;anda akan meningkat.&nbsp;Selain itu, anda akan terpaksa ucapkan selamat tinggal kepada Diskaun Tanpa Tuntutan Diskaun (NCD) anda.&nbsp;Walaupun, tahap kerosakan pada NCD anda bergantung pada jenis tuntutan yang anda buat.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Jenis-jenis_tuntutan\"><\/span>Jenis-jenis tuntutan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika anda didapati bersalah atas kemalangan kereta, premium insurans kereta anda boleh mencanak naik pada pembaharuan anda yang seterusnya.<\/p>\n\n\n\n<p>Jenis tuntutan ini, yang dikenali sebagai &#8220;<strong>tuntutan kesalahan<\/strong>,&#8221; ditambahkan pada rekod insurans anda apabila dianggap bertanggungjawab atas kemalangan itu disebabkan kecuaian anda &#8211; seperti melanggar kereta lain atau merosakkan kenderaan anda secara berlanggar dengan objek tetap. Tapi jangan risau &#8211; tidak semua tuntutan akan mempunyai kesan yang sama pada premium anda.<\/p>\n\n\n\n<p>Jika kemalangan itu bukan salah anda, contohnya, anda mungkin boleh membuat &#8220;<strong> tuntutan tanpa kesalahan<\/strong>&#8221; tanpa sebarang akibat negatif pada kadar anda.<\/p>\n\n\n\n<p>Pada asasnya, ini bermakna bahawa kesalahan terletak sepenuhnya pada pihak lain yang terlibat. Contohnya, jika kereta anda secara tiba-tiba dilanggar oleh orang yang memandu secara melulu, anda berpotensi untuk memfailkan tuntutan dengan syarikat insurans pemandu tersebut. Dengan cara itu, syarikat insurans mereka boleh menguruskan perbelanjaan anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tiada_Diskaun_Tuntutan_NCD\"><\/span>Tiada Diskaun Tuntutan (NCD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kadar NCD anda akan meningkat dari semasa ke semasa, yang bermakna anda akan membayar lebih sedikit untuk premium insurans kereta anda.&nbsp;Tetapi berhati-hati, jika anda mengalami kemalangan dan membuat tuntutan salah, tahunan NCD anda boleh terjejas.&nbsp;Akibatnya, anda mungkin akan melihat peningkatan asas dalam premium anda.<\/p>\n\n\n\n<p>Jangan risau.&nbsp;Anda masih boleh mendapat manfaat daripada NCD anda walaupun anda membuat tuntutan kerosakan tanpa kesalahan atau tuntutan cermin depan (dengan perlindungan tambahan).&nbsp;Perlu diingat bahawa NCD anda digunakan selepas premium anda dikira.&nbsp;Jadi, walaupun ia tidak akan hilang tetapi kos keseluruhan anda mungkin masih meningkat.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kerap_kemalangan_saman\"><\/span>Kerap kemalangan &amp; saman<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika anda pernah terlibat dalam beberapa kemalangan kereta atau anda mempunyai tabiat melanggar peraturan lalu lintas, anda lebih berkemungkinan dianggap sebagai pemandu berisiko tinggi.&nbsp;Ini bermakna anda perlu membayar premium yang lebih tinggi kerana penanggung insurans melihat anda sebagai liabiliti.&nbsp;Sebaliknya, jika anda seorang pemandu yang selamat dan bertanggungjawab dengan rekod pemanduan yang bersih, anda boleh mengharapkan untuk membayar lebih sedikit untuk&nbsp;<a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a> anda.&nbsp;Jadi, pandulah dengan selamat.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlukah_anda_dedahkan_kemalangan_kereta_sebelumnya_kepada_syarikat_insurans_anda\"><\/span>Perlukah anda dedahkan kemalangan kereta sebelumnya kepada syarikat insurans anda?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jawapannya adalah ya, anda perlu menceritakan tentang sebarang kejadian kemalangan yang membabitkan kereta anda pada sebelum ini mengikut keperluan pembekal insurans anda. Tidak kira sama ada anda bersalah atau tidak, atau jika anda tidak memfailkan tuntutan. Jangan lupa untuk sertakan sebarang insiden yang berlaku semasa memandu kenderaan syarikat.<\/p>\n\n\n\n<p>Jika anda menyembunyikan berkenaan kemalangan yang pernah terjadi pada sebelum ini, ia boleh mendatangkan masalah kepada anda di kemudia hari. Akibat daripada tindakan anda itu, perlindungan terhadap kenderaan anda boleh menjadi tidak sah. Oleh itu, untuk memastikan anda dilindungi sepenuhnya, adalah lebih baik untuk bersikap jujur dan terbuka tentang sejarah pemanduan anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berhati-hati_apabila_anda_buat_tuntutan\"><\/span>Berhati-hati apabila anda buat tuntutan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kadang-kala buat tuntutan insurans ini adalah suatu langkah yang bijak, tetapi berhati-hati untuk tidak melampaui batas! Jika anda mula memfailkan terlalu banyak tuntutan, syarikat insurans anda mungkin akan ketakutan.<\/p>\n\n\n\n<p>Mereka mungkin akan menaikkan kadar insurans anda atau memberikan anda waktu sukar apabila tiba masanya untuk memperbaharui polisi anda. Jadi, perhatikan tuntutan anda dan pastikan anda hanya menggunakan perlindungan anda apabila anda benar-benar memerlukannya!<\/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=premium-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\/cara-pilih-insurans-kereta-2\/\">Ini Cara Pilih Insurans Kereta: Faktor Yang Perlu Dipertimbangkan<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/tuntutan-insurans-kereta-akibat-kemalangan\/#Tuntutan_Pihak_Ketiga\">Nak Claim Insurans? Ketahui Dulu Jenis-Jenis Tuntutan Insurans &amp; Caranya<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/sebab-tuntutan-insurans-anda-ditolak\/\">Sebab Tuntutan Insurans Kereta Anda Ditolak<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ingin tahu jika kemalangan boleh menyebabkan premium insurans kereta anda melonjak? Teruskan membaca untuk tahu mengenainya.<\/p>\n","protected":false},"author":23,"featured_media":46573,"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>Premium Insurans Kereta: Kesan Kemalangan Kereta Terhadapnya<\/title>\n<meta name=\"description\" content=\"Ingin tahu jika kemalangan boleh menyebabkan premium insurans kereta anda melonjak? 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