{"id":46742,"date":"2024-04-05T14:00:45","date_gmt":"2024-04-05T06:00:45","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46742"},"modified":"2025-10-30T23:52:17","modified_gmt":"2025-10-30T15:52:17","slug":"cara-pengiraan-insuran-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-pengiraan-insuran-kereta","title":{"rendered":"Ini Panduan Lengkap Cara Pengiraan Insuran Kereta"},"content":{"rendered":"\n<p><a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">Insurans kereta<\/a> adalah satu keperluan penting bagi pemilik kereta di Malaysia. Ia tidak hanya melindungi kereta daripada risiko kecemasan dan kemalangan, tetapi juga menjadi keperluan undang-undang di negara ini.<\/p>\n\n\n\n<p>Bagi sesetengah individu, memahami bagaimana <a href=\"https:\/\/bjak.my\/blog\/bagaimana-harga-insurans-kereta-dikira\/\">pengiraan insuran kereta<\/a> adalah suatu perkara yang penting. Ia kerana, dengan mengetahui cara pengiraan ini boleh membantu pemilik kenderaan untuk menyediakan wang secukupnya apabila tiba waktu untuk perlu memperbaharui <a href=\"https:\/\/bjak.my\/blog\/cukai-jalan-jpj\/\">cukai jalan<\/a> dan insurans kenderaan mereka. Pada anda yang nak tahu macam mana cara pengiraannya, teruskan membaca artikel ini sehingga habis.<\/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-69d4b94da0cff\" 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-69d4b94da0cff\"><\/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\/cara-pengiraan-insuran-kereta\/#Apakah_yang_dimaksudkan_dengan_insurans_kereta\" title=\"Apakah yang dimaksudkan dengan insurans kereta?\">Apakah yang dimaksudkan dengan 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\/cara-pengiraan-insuran-kereta\/#Komponen_pengiraan_insurans_kereta\" title=\"Komponen pengiraan insurans kereta\">Komponen pengiraan insurans kereta<\/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\/cara-pengiraan-insuran-kereta\/#Cara_pengiraan_insurans_kereta\" title=\"Cara pengiraan insurans kereta\">Cara pengiraan insurans kereta<\/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\/cara-pengiraan-insuran-kereta\/#Layari_BJAK_untuk_cari_insurans_kereta\" title=\"Layari BJAK untuk cari insurans kereta\">Layari BJAK untuk cari insurans kereta<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_yang_dimaksudkan_dengan_insurans_kereta\"><\/span>Apakah yang dimaksudkan dengan insurans kereta?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurans kereta adalah polisi yang menyediakan perlindungan kewangan terhadap kerugian atau kerosakan kepada kereta. Ini termasuk kerosakan akibat kemalangan, kecurian, atau kerosakan semasa bencana alam semula jadi seperti banjir atau ribut taufan. Apabila seseorang membeli polisi insuran kereta, mereka perlu membayar jumlah tertentu (premium) kepada syarikat insurans untuk mendapatkan perlindungan itu.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Komponen_pengiraan_insurans_kereta\"><\/span>Komponen pengiraan insurans kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pengiraan insurans kereta bergantung kepada beberapa faktor utama. Berikut adalah beberapa faktor penting yang akan menentukan jumlah premium:<\/p>\n\n\n\n<p><strong>Nilai pasaran kereta<\/strong>: Nilai pasaran kereta adalah nilai semasa kereta di pasaran. Semakin tinggi nilai pasaran kereta, semakin tinggi juga premium yang perlu dibayar.<\/p>\n\n\n\n<p><strong>Tahun pembuatan dan model kereta<\/strong>: Kereta yang lebih baru dan model yang lebih mahal mungkin memerlukan premium yang lebih tinggi.<\/p>\n\n\n\n<p><strong>Kapasiti enjin kereta<\/strong>: Kapasiti enjin adalah faktor penting yang akan dipertimbangkan dalam pengiraan insurans kereta. Kereta dengan enjin yang lebih besar mungkin memerlukan premium yang lebih tinggi.<\/p>\n\n\n\n<p><strong>Rekod pemanduan<\/strong>: Rekod pemanduan individu juga mempengaruhi jumlah premium. Pemandu yang berpengalaman dengan rekod pemanduan yang baik cenderung untuk membayar premium yang lebih rendah.<\/p>\n\n\n\n<p><strong>Lokasi tempat tinggal<\/strong>: Tempat tinggal di kawasan yang lebih berisiko seperti bandar atau kawasan yang kerap berlaku kemalangan mungkin memerlukan premium yang lebih tinggi.<\/p>\n\n\n\n<p><strong>Perlindungan tambahan<\/strong>: Pilihan untuk menambah perlindungan tambahan seperti insurans pemandu dan insurans kecederaan diri juga akan menambah jumlah premium.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_pengiraan_insurans_kereta\"><\/span>Cara pengiraan insurans kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Berikut adalah langkah-langkah untuk mengira jumlah premium insurans kereta:<\/p>\n\n\n\n<ol><li><strong>Pilih Syarikat Insurans<\/strong>: Mulakan dengan memilih syarikat insurans yang sesuai dengan keperluan dan bajet anda.<\/li><li><strong>Kumpulkan Maklumat Kereta<\/strong>: Perlu sediakan maklumat lengkap tentang kereta anda seperti nombor pendaftaran, model, tahun pembuatan, dan nilai pasaran semasa.<\/li><li><strong>Isi Borang Permohonan<\/strong>: Isi borang permohonan insurans dengan maklumat yang betul dan lengkap.<\/li><li><strong>Pilih Jenis Polisi<\/strong>: Pilih jenis polisi insurans yang sesuai dengan keperluan anda seperti insurans komprehensif atau insurans pihak ketiga.<\/li><li><strong>Tentukan tahap Perlindungan<\/strong>: Tentukan tahap perlindungan yang anda perlukan seperti sumbangan sendiri (deductible) dan perlindungan tambahan.<\/li><li><strong>Dapatkan Penawaran<\/strong>: Selepas mengemukakan maklumat yang diperlukan, syarikat insurans akan menyediakan penawaran premium berdasarkan faktor-faktor yang disebutkan di atas.<\/li><li><strong>Bandingkan Penawaran<\/strong>: Sebelum membuat keputusan, bandingkan tawaran dari beberapa syarikat insurans untuk mendapatkan tawaran yang terbaik.<\/li><li><strong>Pilih dan Bayar<\/strong>: Selepas memilih tawaran yang sesuai, lakukan pembayaran premium mengikut kaedah yang disediakan oleh syarikat insurans.<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Layari_BJAK_untuk_cari_insurans_kereta\"><\/span>Layari BJAK untuk cari insurans kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Nak cari insurans kereta yang terbaik untuk kereta anda ini memerlukan usaha yang lebih kerana bukannya mudah. Jika sudah jumpa yang terbaik, kadang-kadang harga pula yang menghalang daripada dibeli. Itulah sebabnya anda disarankan untuk melayari laman web BJAK. BJAK adalah laman perbandingan insurans nombor 1 di Malaysia. BJAK boleh membantu memudahkan anda untuk membandingkan sebanyak 23 jenama insurans dalam masa 5 minit sahaja. Anda hanya tinggal pilih sahaja. Bukan itu sahaja, BJAK juga menawarkan pembayaran secara ansuran. Kalau anda nak tahu lebih lanjut, klik sahaja butang di bawah ini.<\/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=cara-pengiraan-insuran-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-cari-insurans-kereta-terbaik\/\">Cara Cari Insurans Kereta Terbaik<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-komprehensif\/\">Salah Faham Biasa Mengenai Insurans Kereta Komprehensif<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cukai-jalan-offline\/\">Kelebihan &amp; Kekurangan Renew Cukai Jalan Secara Offline<\/a><\/li><\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Setiap pemilik kenderaan di Malaysia disarankan untuk tahu cara pengiraan insuran kereta dalam artikel ini.<\/p>\n","protected":false},"author":23,"featured_media":46759,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[350],"tags":[26,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ini Panduan Lengkap Cara Pengiraan Insuran Kereta<\/title>\n<meta name=\"description\" content=\"Setiap pemilik kenderaan di Malaysia disarankan untuk tahu cara pengiraan insuran kereta dalam artikel ini.\" \/>\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\/cara-pengiraan-insuran-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ini Panduan Lengkap Cara Pengiraan Insuran Kereta\" \/>\n<meta property=\"og:description\" content=\"Setiap pemilik kenderaan di Malaysia disarankan untuk tahu cara pengiraan insuran kereta dalam artikel ini.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-pengiraan-insuran-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=\"2024-04-05T06:00:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T15:52:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/04\/Featured_Images_4April_-_Template-03.jpg?fit=1708%2C1080&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1708\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Aqmal Ezany\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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