{"id":46796,"date":"2024-04-15T18:11:39","date_gmt":"2024-04-15T10:11:39","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46796"},"modified":"2025-07-10T19:31:03","modified_gmt":"2025-07-10T11:31:03","slug":"insurans-kereta-banjir","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-banjir","title":{"rendered":"Adakah Insurans Kereta Lindungi Kerosakan Akibat Banjir?"},"content":{"rendered":"\n<p>Kita dapat melihat bencana alam lebih kerap berlaku akibat hujan lebat sejak kebelakangan ini. Sebagai contoh, pada 22 Nov 2021,&nbsp;<a href=\"https:\/\/www.bharian.com.my\/berita\/nasional\/2021\/11\/890842\/hujan-lebat-sebabkan-banjir-kilat-di-ampang\">banjir kilat<\/a>&nbsp;setinggi 0.3 meter hingga 1.5 meter melanda beberapa kawasan di Ampang iaitu Taman Hillview, Kampung Lembah Jaya Utara dan Lembah Jaya Selatan.<\/p>\n\n\n\n<p>Banjir kilat itu telah menyebabkan tiga pusat pemindahan dibuka untuk melindungi mangsa banjir.<\/p>\n\n\n\n<p>Selain banjir kilat di Ampang, terdapat&nbsp;<a href=\"https:\/\/www.sinarharian.com.my\/article\/173910\/BERITA\/Semasa\/11-kejadian-tanah-runtuh-pokok-tumbang-di-Cameron-Highlands\">11 kejadian tanah runtuh dan pokok tumbang di Cameron Highlands<\/a>&nbsp;pada 22 Nov 2021. Kejadian itu berlaku kira-kira jam 2 petang berikutan hujan lebat yang berlarutan hampir dua jam, menyebabkan seorang pemandu cedera dilanggar keretanya. Pokok tumbang.<\/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-69d4b4feef893\" 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-69d4b4feef893\"><\/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\/insurans-kereta-banjir\/#Adakah_insurans_kereta_melindungi_kerosakan_akibat_bencana_alam\" title=\"Adakah insurans kereta melindungi kerosakan akibat bencana alam?\">Adakah insurans kereta melindungi kerosakan akibat bencana alam?<\/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\/insurans-kereta-banjir\/#Perlindungan_peril_khas_boleh_menyelamatkan_kereta_anda\" title=\"Perlindungan peril khas boleh menyelamatkan kereta anda\">Perlindungan peril khas boleh menyelamatkan kereta anda<\/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\/insurans-kereta-banjir\/#Berapakah_yang_anda_perlu_bayar_untuk_perlindungan_peril_khas\" title=\"Berapakah yang anda perlu bayar untuk perlindungan peril khas?\">Berapakah yang anda perlu bayar untuk perlindungan peril khas?<\/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\/insurans-kereta-banjir\/#Adakah_berbaloi_untuk_mendapatkan_perlindungan_peril_khas\" title=\"Adakah berbaloi untuk mendapatkan perlindungan peril khas?\">Adakah berbaloi untuk mendapatkan perlindungan peril khas?<\/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\/insurans-kereta-banjir\/#Perbaharui_insurans_dan_dapatkan_perlindungan_peril_khas\" title=\"Perbaharui insurans dan dapatkan perlindungan peril khas\">Perbaharui insurans dan dapatkan perlindungan peril khas<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Adakah_insurans_kereta_melindungi_kerosakan_akibat_bencana_alam\"><\/span>Adakah insurans kereta melindungi kerosakan akibat bencana alam?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bencana alam seperti di atas boleh berlaku tanpa sebarang amaran. Mangsa boleh kehilangan harta berharga, termasuk kenderaan mereka, dalam sekelip mata.<\/p>\n\n\n\n<p>Bagi pemilik kereta, anda harus tahu bahawa&nbsp;<strong><a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> standard tidak melindungi kerosakan atau kerugian kereta akibat banjir atau bencana alam yang lain<\/strong>. Tetapi ada cara untuk membuat tuntutan insurans untuk kereta yang rosak akibat banjir.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_peril_khas_boleh_menyelamatkan_kereta_anda\"><\/span>Perlindungan peril khas boleh menyelamatkan kereta anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika anda menambah&nbsp;perlindungan peril khas&nbsp;pada polisi anda, anda boleh membuat tuntutan insurans untuk kerosakan tersebut.<\/p>\n\n\n\n<p>Walau bagaimanapun, untuk anda membeli perlindungan tambahan ini, anda perlu mempunyai&nbsp;insurans komprehensif. Dengan perlindungan peril khas, anda tidak perlu risau kerana syarikat insurans anda akan melindungi kehilangan atau kerosakan pada kenderaan anda.<\/p>\n\n\n\n<p>Ambil perhatian bahawa jika anda membuat tuntutan di bawah perlindungan peril khas,&nbsp;Diskaun Tanpa Tuntutan (NCD)&nbsp;anda akan kembali kepada 0%. Oleh itu, <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium insurans kereta<\/a> anda pada tahun berikutnya akan menjadi lebih tinggi.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapakah_yang_anda_perlu_bayar_untuk_perlindungan_peril_khas\"><\/span>Berapakah yang anda perlu bayar untuk perlindungan peril khas?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda tidak perlu risau kerana premium untuk perlindungan ini tidaklah mahal berbanding dengan membayar sendiri pembaikan kereta anda.<\/p>\n\n\n\n<p>Anda biasanya perlu membayar tambahan&nbsp;0.5% daripada jumlah yang diinsuranskan untuk kereta anda menikmati perlindungan peril khas.<\/p>\n\n\n\n<p>Walau bagaimanapun, ambil perhatian bahawa premium tambahan berbeza mengikut penanggung insurans.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_berbaloi_untuk_mendapatkan_perlindungan_peril_khas\"><\/span>Adakah berbaloi untuk mendapatkan perlindungan peril khas?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tiada siapa yang boleh meramalkan apa yang akan berlaku pada masa hadapan. Kejadian bencana alam di Ampang dan Cameron Highlands yang lalu menunjukkan sesiapa sahaja terdedah kepada risiko ini.<\/p>\n\n\n\n<p>Selain itu, anda hanya perlu membeli perlindungan peril khas sekali setahun apabila anda memperbaharui insurans anda. Kosnya tidaklah terlalu mahal jika dibandingkan dengan jumlah yang perlu anda tanggung untuk membaiki kereta anda.<\/p>\n\n\n\n<p>Sebaik-baiknya anda menyediakan diri anda dengan mendapatkan perlindungan bahaya khas ini. Ia berbaloi untuk anda dapatkan dan mungkin akan membantu anda suatu hari nanti. Seperti yang mereka katakan, lebih baik selamat daripada menyesal.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perbaharui_insurans_dan_dapatkan_perlindungan_peril_khas\"><\/span>Perbaharui insurans dan dapatkan perlindungan peril khas<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pemilik kereta wajib mempunyai&nbsp;insurans kereta&nbsp;yang sah. Kami mengesyorkan anda mendapatkan&nbsp;insurans komprehensif, jika layak, dan tambah perlindungan peril khas pada polisi anda untuk perlindungan tambahan. Sekiranya berlaku apa-apa yang tidak diingini, anda boleh menuntut daripada insurans anda untuk kereta anda yang rosak akibat banjir.<\/p>\n\n\n\n<p>Jika&nbsp;insurans anda tamat tempoh, perbaharui&nbsp;insurans kereta&nbsp;dan&nbsp;<a href=\"https:\/\/bjak.my\/blog\/cukai-jalan-jpj\/\">cukai jalan<\/a>&nbsp;anda dalam talian di Bjak. Anda boleh memilih daripada 23 jenama insurans terkemuka di Malaysia. Mulakan dengan mendapatkan&nbsp;sebut harga insurans kereta&nbsp;percuma di Bjak.my hari 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=insurans-kereta-banjir\">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\/risiko-pemandu-adakah-anda-pemandu-berisiko-tinggi-atau-rendah\/\">Risiko Pemandu: Adakah Anda Pemandu Berisiko Tinggi Atau Rendah?&nbsp;<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/adakah-tabiat-memandu-anda-akan-memberi-kesan-kepada-premium-insurans\/\">Adakah Tabiat Memandu Anda Akan Memberi Kesan Kepada Premium Insurans?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/5-perkara-yang-perlu-anda-tahu-sebelum-membuat-tuntutan-insurans\/\">5 Perkara Yang Perlu Anda Tahu Sebelum Membuat Tuntutan Insurans<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ketahui cara nak buat sekiranya insurans komprehensif tak lindungi kerugian atau kerosakan akibat bencana alam seperti banjir.<\/p>\n","protected":false},"author":23,"featured_media":46835,"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 - 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