{"id":46952,"date":"2024-04-23T18:05:42","date_gmt":"2024-04-23T10:05:42","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46952"},"modified":"2025-07-10T19:10:47","modified_gmt":"2025-07-10T11:10:47","slug":"5-perkara-insurans-motosikal","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-motosikal\/5-perkara-insurans-motosikal","title":{"rendered":"5 Perkara Yang Insurans Motosikal Tak Lindungi"},"content":{"rendered":"\n<p>Adakah anda menunggang motosikal? Adakah anda sedar bahawa kemalangan jalan raya besar berkemungkinan melibatkan penunggang motosikal berbanding pengguna jalan raya yang lain?<\/p>\n\n\n\n<p>Polisi&nbsp;insurans yang komprehensif&nbsp;ialah perlindungan terbaik untuk anda dan motosikal anda dalam kemalangan yang tidak diingini.<\/p>\n\n\n\n<p>Walau bagaimanapun, Terdapat beberapa situasi yang tidak akan dilindungi walaupun anda membeli insurans komprehensif. Berikut ialah senarai situasi yang tidak akan dilindungi oleh syarikat insurans 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-69e0c50725253\" 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-69e0c50725253\"><\/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-motosikal\/5-perkara-insurans-motosikal\/#Kerosakan_motosikal_akibat_kesalahan_jenayah\" title=\"Kerosakan motosikal akibat kesalahan jenayah\">Kerosakan motosikal akibat kesalahan jenayah<\/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-motosikal\/5-perkara-insurans-motosikal\/#Tuntutan_insurans_motosikal_palsu\" title=\"Tuntutan insurans motosikal palsu\">Tuntutan insurans motosikal palsu<\/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-motosikal\/5-perkara-insurans-motosikal\/#Penggunaan_motosikal_untuk_perlumbaan\" title=\"Penggunaan motosikal untuk perlumbaan\">Penggunaan motosikal untuk perlumbaan<\/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-motosikal\/5-perkara-insurans-motosikal\/#Penggunaan_motosikal_di_luar_negara\" title=\"Penggunaan motosikal di luar negara\">Penggunaan motosikal di luar negara<\/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-motosikal\/5-perkara-insurans-motosikal\/#Motosikal_yang_ditunggangi_oleh_penunggang_yang_tidak_dibenarkan\" title=\"Motosikal yang ditunggangi oleh penunggang yang tidak dibenarkan\">Motosikal yang ditunggangi oleh penunggang yang tidak dibenarkan<\/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-motosikal\/5-perkara-insurans-motosikal\/#Fahami_situasi_yang_tidak_dilindungi_oleh_insurans_motosikal\" title=\"Fahami situasi yang tidak dilindungi oleh insurans motosikal\">Fahami situasi yang tidak dilindungi oleh insurans motosikal<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Kerosakan_motosikal_akibat_kesalahan_jenayah\"><\/span>Kerosakan motosikal akibat kesalahan jenayah<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sekiranya berlaku kemalangan, anda tidak akan menikmati perlindungan insurans jika anda menunggang motosikal di bawah pengaruh dadah atau alkohol.<\/p>\n\n\n\n<p>Lebih teruk, jika kemalangan itu melibatkan pihak lain dan menyebabkan kecederaan atau kematian, anda perlu menanggung kosnya. Ini kerana anda tidak akan menerima sebarang pampasan daripada syarikat insurans anda.<\/p>\n\n\n\n<p>Mengikut undang-undang, adalah salah menunggang motosikal di bawah pengaruh alkohol. Anda mungkin menghadapi pendakwaan di bawah Seksyen 44(1) Akta Pengangkutan Jalan 1987.<\/p>\n\n\n\n<p>Anda boleh dipenjarakan selama tempoh 3 hingga 10 tahun dan denda RM8,000 hingga RM20,000.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tuntutan_insurans_motosikal_palsu\"><\/span>Tuntutan insurans motosikal palsu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika anda memberikan maklumat yang salah atau palsu mengenai tuntutan anda, syarikat insurans anda boleh menolak permohonan tuntutan anda.<\/p>\n\n\n\n<p>Katakan bahawa syarikat insurans telah membayar sebarang tuntutan kepada pihak ketiga, syarikat insurans berhak untuk menuntut semula jumlah yang telah dibayar dan sebarang kos yang ditanggung daripada anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Penggunaan_motosikal_untuk_perlumbaan\"><\/span>Penggunaan motosikal untuk perlumbaan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"46953\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/5-perkara-insurans-motosikal\/attachment\/211105_bjakblog_athirah_a6101-01-04-1-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/04\/211105_BjakBlog_Athirah_A6101-01-04-1.webp?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" 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=\"211105_BjakBlog_Athirah_A6101-01-04-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/04\/211105_BjakBlog_Athirah_A6101-01-04-1.webp?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/04\/211105_BjakBlog_Athirah_A6101-01-04-1.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\/04\/211105_BjakBlog_Athirah_A6101-01-04-1.webp?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-46953\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/04\/211105_BjakBlog_Athirah_A6101-01-04-1.webp?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/04\/211105_BjakBlog_Athirah_A6101-01-04-1.webp?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/04\/211105_BjakBlog_Athirah_A6101-01-04-1.webp?resize=768%2C768&amp;ssl=1 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Syarikat insurans anda tidak akan memberikan perlindungan jika anda atau penunggang bernama yang dibenarkan menunggang motosikal anda untuk:<\/p>\n\n\n\n<ol><li>Berlatih atau menyertai mana-mana acara sukan permotoran, pertandingan, pencarian harta karun, rali, atau ujian kelajuan<\/li><li>Tunggang di mana-mana litar perlumbaan<\/li><\/ol>\n\n\n\n<p>Walau bagaimanapun, anda&nbsp;<em>boleh<\/em>&nbsp;menikmati perlindungan insurans jika apa-apa berlaku kepada anda dalam situasi berkenaan. Tetapi hanya dengan syarat anda melanjutkan pelan polisi anda dengan perlindungan tambahan untuk menunggang dalam pertandingan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Penggunaan_motosikal_di_luar_negara\"><\/span>Penggunaan motosikal di luar negara<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Penanggung insurans anda juga tidak akan melindungi sebarang tuntutan untuk sebarang insiden yang berlaku di luar negara. Anda tidak layak mendapat perlindungan jika anda menggunakan atau menunggang motosikal yang diinsuranskan di luar Malaysia.<\/p>\n\n\n\n<p>Walau bagaimanapun, sesetengah syarikat insurans meluaskan perlindungan ke negara tertentu. Sebagai contoh, AmAssurance menyediakan perlindungan polisi kepada Singapura dan Brunei. Perlindungan ini membolehkan anda membuat tuntutan insurans untuk kerosakan motosikal yang digunakan dan ditunggang di kedua-dua negara.<\/p>\n\n\n\n<p>Anda boleh merujuk kepada ejen atau syarikat insurans untuk mendapatkan butiran lanjut.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Motosikal_yang_ditunggangi_oleh_penunggang_yang_tidak_dibenarkan\"><\/span>Motosikal yang ditunggangi oleh penunggang yang tidak dibenarkan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Syarikat insurans anda tidak akan membayar untuk kerugian yang ditanggung untuk sebarang kemalangan, kerosakan atau liabiliti yang disebabkan oleh penunggang yang tidak dinamakan yang menunggang motosikal anda.<\/p>\n\n\n\n<p>Anda tidak boleh sewenang-wenangnya meminjamkan motosikal anda kepada penunggang yang tidak dinamakan kerana syarikat insurans anda tidak akan memberikan perlindungan sekiranya berlaku apa-apa.<\/p>\n\n\n\n<p>Untuk makluman anda, anda boleh melanjutkan perlindungan kepada penunggang lain dengan menamakan mereka sebagai pemandu yang dinamakan dalam polisi insurans anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Fahami_situasi_yang_tidak_dilindungi_oleh_insurans_motosikal\"><\/span>Fahami situasi yang tidak dilindungi oleh insurans motosikal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda perlu memahami butiran polisi insurans anda.<\/p>\n\n\n\n<p>Pastikan anda hanya membenarkan mereka yang dinamakan sebagai penunggang sah anda untuk menggunakan motosikal anda. Ini akan menyelamatkan anda daripada kerumitan tuntutan insurans. Jika anda sering berkongsi motosikal anda dengan individu lain, kami menasihatkan anda untuk menambah perlindungan &#8216;All Rider&#8217; pada polisi anda.<\/p>\n\n\n\n<p>Layari Bjak untuk membeli dan menyesuaikan polisi insurans anda mengikut keperluan anda. Anda juga boleh memilih pilihan pembayaran faedah 0% &#8216;Beli Sekarang Bayar Kemudian&#8217; untuk membeli&nbsp;insurans motor&nbsp;anda.<\/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=5-perkara-insurans-motosikal\">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-renew-insurans-kereta-third-party\/\">Risiko Renew Insurans Kereta Third Party<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">Fahami Jenis-jenis Polisi Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">Insurans Kereta: Panduan Lengkap Untuk Pemilik Kenderaan<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Sesetengah situasi tidak akan dilindungi oleh insurans anda. Ini adalah beberapa situasi yang tidak akan dilindungi oleh insurans motosikal.<\/p>\n","protected":false},"author":23,"featured_media":46960,"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":[641],"tags":[26,633],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Perkara Yang Insurans Motosikal Tak Lindungi<\/title>\n<meta name=\"description\" content=\"Sesetengah situasi tidak akan dilindungi oleh insurans anda. Ini adalah beberapa situasi yang tidak akan dilindungi oleh insurans motosikal.\" \/>\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-motosikal\/5-perkara-insurans-motosikal\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Perkara Yang Insurans Motosikal Tak Lindungi\" \/>\n<meta property=\"og:description\" content=\"Sesetengah situasi tidak akan dilindungi oleh insurans anda. 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