{"id":46793,"date":"2024-04-15T18:08:46","date_gmt":"2024-04-15T10:08:46","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46793"},"modified":"2025-07-10T19:31:38","modified_gmt":"2025-07-10T11:31:38","slug":"polisi-insuran-kereta-di-malaysia","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/polisi-insuran-kereta-di-malaysia","title":{"rendered":"Jenis-Jenis Polisi Insuran Kereta Di Malaysia"},"content":{"rendered":"\n<p>Adakah anda nak beli <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a>? Sebelum anda membeli apa-apa, sebaiknya anda memahami terlebih dahulu pelbagai jenis polisi insuran kereta. Ini adalah untuk memastikan anda mendapat perlindungan insurans yang mencukupi.<\/p>\n\n\n\n<p>Sebagai permulaan, terdapat tiga jenis <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> yang terdapat di Malaysia. Mari kita lihat setiap jenis polisi dan perlindungannya.<\/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-69d25bff70de4\" 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-69d25bff70de4\"><\/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\/polisi-insuran-kereta-di-malaysia\/#Insurans_komprehensif\" title=\"Insurans komprehensif\">Insurans komprehensif<\/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\/polisi-insuran-kereta-di-malaysia\/#Insurans_pihak_ketiga_kebakaran_dan_kecurian\" title=\"Insurans pihak ketiga, kebakaran dan kecurian\">Insurans pihak ketiga, kebakaran dan kecurian<\/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\/polisi-insuran-kereta-di-malaysia\/#Insurans_pihak_ketiga\" title=\"Insurans pihak ketiga\">Insurans pihak ketiga<\/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\/polisi-insuran-kereta-di-malaysia\/#Cara_untuk_memilih_polisi_insurans_yang_betul\" title=\"Cara untuk memilih polisi insurans yang betul\">Cara untuk memilih polisi insurans yang betul<\/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\/polisi-insuran-kereta-di-malaysia\/#Umur_kenderaan\" title=\"Umur kenderaan\">Umur kenderaan<\/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\/polisi-insuran-kereta-di-malaysia\/#Penggunaan_kereta\" title=\"Penggunaan kereta\">Penggunaan kereta<\/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\/polisi-insuran-kereta-di-malaysia\/#Jumlah_perlindungan\" title=\"Jumlah perlindungan\">Jumlah perlindungan<\/a><\/li><\/ul><\/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\/polisi-insuran-kereta-di-malaysia\/#Pilih_polisi_insurans_yang_sesuai_untuk_kereta_anda\" title=\"Pilih polisi insurans yang sesuai untuk kereta anda\">Pilih polisi insurans yang sesuai untuk kereta anda<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Insurans_komprehensif\"><\/span>Insurans komprehensif<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yang pertama ialah insurans komprehensif, juga dikenali sebagai insurans pihak pertama. Polisi ini menawarkan perlindungan yang paling meluas kepada pemegang polisi.<\/p>\n\n\n\n<p>Insurans komprehensif melindungi kereta pemegang polisi sekiranya berlaku kemalangan kereta, kebakaran dan kecurian. Polisi ini juga menyediakan perlindungan kepada pihak ketiga.<\/p>\n\n\n\n<p>Antara insiden yang dilindungi oleh insurans komprehensif termasuk:<\/p>\n\n\n\n<ul><li>Perlanggaran atau terbalik secara tidak sengaja<\/li><li>Perlanggaran atau terbalik yang disebabkan oleh kerosakan mekanikal<\/li><li>Perlanggaran atau terbalik kerana haus dan lusuh semula jadi<\/li><li>Kerosakan yang disebabkan oleh objek jatuh (tertakluk kepada pengecualian dasar)<\/li><li>Api, letupan atau kilat<\/li><li>Pecah cermin depan, tingkap atau bumbung matahari termasuk filem laminasi\/pewarna<\/li><li>Kecurian, pecah rumah atau kecurian<\/li><li>Perbuatan jahat<\/li><li>Kerosakan semasa dalam transit<\/li><\/ul>\n\n\n\n<p>Insurans komprehensif biasanya diwajibkan untuk kereta baru berumur 10 tahun dan ke bawah. Untuk kereta berumur 15 tahun ke atas, kebanyakan syarikat insurans akan mengesyorkan perlindungan insurans kebakaran dan kecurian (TPFT) pihak ketiga yang akan kami terangkan seterusnya.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Insurans_pihak_ketiga_kebakaran_dan_kecurian\"><\/span>Insurans pihak ketiga, kebakaran dan kecurian<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurans pihak ketiga, kebakaran dan kecurian melindungi kerosakan dan kerugian kepada pihak ketiga di mana anda bersalah. Ia juga menyediakan perlindungan kepada kenderaan pemegang polisi sekiranya berlaku kebakaran dan kecurian. Polisi ini tidak melindungi kenderaan pemegang polisi dalam keadaan lain seperti kemalangan kereta.<\/p>\n\n\n\n<p>Jenis insurans ini biasanya lebih murah daripada insurans komprehensif dan lebih sesuai untuk kenderaan lama dan jarang digunakan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Insurans_pihak_ketiga\"><\/span>Insurans pihak ketiga<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurans pihak ketiga ialah polisi yang paling asas. Di Malaysia, adalah wajib bagi pemilik kenderaan bermotor untuk memiliki sekurang-kurangnya insurans pihak ketiga untuk memandu secara sah di jalan awam Malaysia.<\/p>\n\n\n\n<p>&#8220;Pihak ketiga&#8221; yang dirujuk dalam polisi ini ialah individu yang terlibat dalam kemalangan dengan kereta anda, di mana anda bersalah.<\/p>\n\n\n\n<p>Polisi ini hanya memberi perlindungan kepada pihak ketiga untuk kerosakan atau kerugian kepada pihak ketiga dan harta benda mereka yang disebabkan oleh kenderaan anda.<\/p>\n\n\n\n<p>Polisi ini menyediakan perlindungan yang sangat terhad kerana ia hanya boleh digunakan untuk tuntutan pihak ketiga. Jika kenderaan anda mengalami sebarang kerosakan, anda perlu menanggung sendiri kos pembaikan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_untuk_memilih_polisi_insurans_yang_betul\"><\/span>Cara untuk memilih polisi insurans yang betul<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk membantu anda memilih jenis polisi insurans kereta yang betul, di bawah ialah tiga aspek utama yang perlu dipertimbangkan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Umur_kenderaan\"><\/span>Umur kenderaan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Adalah penting untuk anda memilih insurans yang betul berdasarkan umur kenderaan anda. Ini adalah untuk mengelakkan sama ada terlebih insurans (menginsuranskan kereta anda&nbsp;<em>melebihi<\/em>&nbsp;nilai pasaran) atau terkurang insurans (menginsuranskan kereta anda&nbsp;<em>di bawah<\/em>&nbsp;nilai pasaran).<\/p>\n\n\n\n<p>Contohnya, jika kenderaan anda sudah tua, katakan berumur 15 tahun ke atas, anda mungkin ingin membeli insurans pihak ketiga, kebakaran dan kecurian. Ini kerana anggaran kos kerosakan kenderaan anda mungkin lebih murah dan berpatutan.<\/p>\n\n\n\n<p>Sebaliknya, jika kereta anda baru, perlindungan insurans komprehensif disyorkan kerana ia boleh memberikan perlindungan penuh untuk kereta anda.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Penggunaan_kereta\"><\/span>Penggunaan kereta<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika anda kerap menggunakan kereta anda, anda amat disyorkan untuk mendapatkan&nbsp;insurans kereta yang komprehensif&nbsp;kerana ia boleh memberikan perlindungan yang lebih.<\/p>\n\n\n\n<p>Sebagai contoh, untuk kereta yang berumur lebih dari 10 tahun yang kerap digunakan, insurans komprehensif adalah pilihan yang lebih baik kerana polisi termasuk perlindungan sekiranya berlaku kemalangan kereta.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Jumlah_perlindungan\"><\/span>Jumlah perlindungan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Bagi kenderaan yang berumur 10 tahun ke atas tetapi dengan nilai pasaran melebihi RM10,000, anda amat digalakkan untuk mendapatkan perlindungan menyeluruh bagi memastikan kenderaan anda dilindungi secukupnya. Insurans yang komprehensif boleh mengelakkan pemilik daripada terpaksa membayar kos yang tinggi untuk pembaikan apabila kereta mereka mengalami kemalangan.<\/p>\n\n\n\n<p>Anda boleh menyemak nilai pasaran kenderaan anda secara percuma di MyCarInfo.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pilih_polisi_insurans_yang_sesuai_untuk_kereta_anda\"><\/span>Pilih polisi insurans yang sesuai untuk kereta anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kebanyakan syarikat insurans menyediakan tiga jenis polisi insurans yang telah kami jelaskan di atas. Sebelum anda membeli sebarang polisi, pertimbangkan perlindungan polisi, umur kenderaan anda, penggunaan kereta dan jumlah perlindungan untuk memastikan perlindungan yang mencukupi.<\/p>\n\n\n\n<p>*Untuk membantu anda membandingkan polisi yang ditawarkan oleh penanggung insurans yang berbeza di Malaysia, hanya gunakan Bjak di mana anda boleh mendapatkan sehingga 23 sebut <a href=\"https:\/\/bjak.my\/blog\/senarai-harga-insuran-kereta-ikut-cc\/\">harga insurans kereta<\/a>&nbsp;secara percuma. Bandingkan sebut harga dan perbaharui insurans kereta anda dengan mudah di Bjak, sepenuhnya 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=polisi-insuran-kereta-di-malaysia\">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\/qa-mengenai-tuntutan-insurans-kereta\/\">Soalan Lazim Mengenai Tuntutan Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/sebab-tuntutan-insurans-anda-ditolak\/\">Sebab Tuntutan Insurans Kereta Anda Ditolak<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/tuntutan-insurans-kereta-akibat-kemalangan\/\">Nak Claim Insurans? Ketahui Dulu Jenis-Jenis Tuntutan Insurans &amp; Caranya<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Terdapat tiga jenis polisi insurans kereta yang ditawarkan di Malaysia. Ketahui tentang perlindungan setiap jenis polisi ini.<\/p>\n","protected":false},"author":23,"featured_media":46833,"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>Jenis-Jenis Polisi Insuran Kereta Di Malaysia<\/title>\n<meta name=\"description\" content=\"Terdapat tiga jenis polisi insurans kereta yang ditawarkan di Malaysia. 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