{"id":46999,"date":"2024-04-29T18:23:17","date_gmt":"2024-04-29T10:23:17","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46999"},"modified":"2025-07-10T19:07:05","modified_gmt":"2025-07-10T11:07:05","slug":"perkara-yang-harus-ada-dalam-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/perkara-yang-harus-ada-dalam-insurans-kereta","title":{"rendered":"Perkara Yang Harus Ada Dalam Insurans Kereta Anda"},"content":{"rendered":"\n<p><a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">Insurans kereta<\/a> merupakan salah satu aspek terpenting dalam pemilikan kereta. Ia bukan sahaja berfungsi untuk melindungi kenderaan anda daripada kerosakan dan kemalangan, ia juga dapat memberikan perlindungan dari segi kewangan kepada anda dan individu lain jika berlaku sesuatu yang tak diingini.<\/p>\n\n\n\n<p>Untuk <a href=\"https:\/\/bjak.my\/blog\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/\">beli insuran kereta<\/a> ini, anda perlu tahu tengok terlebih dahulu apa yang ada di dalam pelan yang hendak dibeli itu. Anda juga perlu tahu berkenaan apa yang harus ada di dalamnya bagi memastikan anda dapat memaksimumkan penggunaannya. Persoalannya, apakah yang perlu ada dalam <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> yang hendak anda beli itu nanti? Jangan risau kerana, kami akan bantu anda menjawab persoalan tersebut dalam artikel ini. Teruskan membaca untuk mengetahuinya.<\/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-69dff81e8f2b5\" 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-69dff81e8f2b5\"><\/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\/perkara-yang-harus-ada-dalam-insurans-kereta\/#Perlindungan_terhadap_kemalangan\" title=\"Perlindungan terhadap kemalangan\">Perlindungan terhadap kemalangan<\/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\/perkara-yang-harus-ada-dalam-insurans-kereta\/#Perlindungan_terhadap_kerosakan\" title=\"Perlindungan terhadap kerosakan \">Perlindungan terhadap kerosakan <\/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\/perkara-yang-harus-ada-dalam-insurans-kereta\/#Perlindungan_terhadap_liabiliti_undang-undang\" title=\"Perlindungan terhadap liabiliti undang-undang\">Perlindungan terhadap liabiliti undang-undang<\/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\/perkara-yang-harus-ada-dalam-insurans-kereta\/#Perlindungan_terhadap_kecurian\" title=\"Perlindungan terhadap kecurian\">Perlindungan terhadap kecurian<\/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\/perkara-yang-harus-ada-dalam-insurans-kereta\/#Perlindungan_terhadap_banjir_dan_bencana_alam_semula_jadi\" title=\"Perlindungan terhadap banjir dan bencana alam semula jadi\">Perlindungan terhadap banjir dan bencana alam semula jadi<\/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\/perkara-yang-harus-ada-dalam-insurans-kereta\/#Perlindungan_terhadap_pemandu_tidak_berinsurans\" title=\"Perlindungan terhadap pemandu tidak berinsurans\">Perlindungan terhadap pemandu tidak berinsurans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perkara-yang-harus-ada-dalam-insurans-kereta\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_terhadap_kemalangan\"><\/span>Perlindungan terhadap kemalangan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Perlindungan terhadap kemalangan adalah unsur asas dalam sebarang polisi insurans kereta. Ini termasuk kos pembaikan kenderaan anda jika terlibat dalam kemalangan, serta kos perubatan jika anda atau orang lain cedera dalam kemalangan tersebut. Pastikan polisi anda menyediakan perlindungan yang mencukupi untuk menampung kos pembaikan dan perubatan yang mungkin timbul akibat kemalangan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_terhadap_kerosakan\"><\/span>Perlindungan terhadap kerosakan <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Selain daripada kemalangan, insurans kereta juga harus menyediakan perlindungan terhadap kerosakan yang disebabkan oleh faktor-faktor lain seperti cuaca buruk, pencurian, atau kebakaran. Ini termasuk kos pembaikan atau gantian nilai kenderaan jika ia tidak dapat dibaiki. Pastikan polisi anda meliputi pelbagai jenis kerosakan yang mungkin berlaku.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_terhadap_liabiliti_undang-undang\"><\/span>Perlindungan terhadap liabiliti undang-undang<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Polisi insurans kereta anda juga harus meliputi perlindungan terhadap liabiliti undang-undang. Ia merangkumi kos guaman dan denda yang mungkin anda hadapi jika terlibat dalam kemalangan tanpa perlindungan yang mencukupi. Pastikan polisi anda menyediakan perlindungan yang mencukupi untuk menangani kos undang-undang yang mungkin timbul.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_terhadap_kecurian\"><\/span>Perlindungan terhadap kecurian<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Perlindungan terhadap kecurian adalah penting terutama bagi pemilik kenderaan yang berharga. Polisi anda harus menyediakan gantian nilai kenderaan jika ia dicuri dan tidak dapat dikesan semula. Selain itu, ia juga mungkin termasuk kos penggantian kunci atau alat keselamatan yang berkaitan dengan kecurian.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_terhadap_banjir_dan_bencana_alam_semula_jadi\"><\/span>Perlindungan terhadap banjir dan bencana alam semula jadi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Di negara-negara di mana banjir atau bencana semula jadi adalah risiko yang tinggi, penting untuk memastikan bahawa polisi insurans kereta anda menyediakan perlindungan terhadap kerosakan yang disebabkan oleh banjir atau bencana alam semula jadi. Ia termasuk dengan kos pembaikan atau penggantian kenderaan jika ia rosak akibat banjir atau bencana semula jadi.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_terhadap_pemandu_tidak_berinsurans\"><\/span>Perlindungan terhadap pemandu tidak berinsurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Perlindungan terhadap pemandu tidak berinsurans adalah salah satu penambahan yang baik dalam polisi insurans kereta anda. Ia akan bertindak melindungi anda jika anda terlibat dalam kemalangan dengan pemandu lain yang tidak mempunyai insurans atau jika pemandu tersebut melarikan diri selepas kemalangan. Pastikan polisi anda menyediakan perlindungan yang mencukupi dalam situasi ini.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span>Kesimpulan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurans kereta adalah penting untuk melindungi anda dan kenderaan anda daripada pelbagai risiko yang tidak dijangka. Apa yang wajib ada dalam polisi insurans kereta anda adalah perlindungan yang mencukupi terhadap kemalangan, kerosakan, liabiliti undang-undang, kecurian, banjir, dan perlindungan daripada pemandu yang tidak berinsurans sekiranya berlaku kemalangan. Pastikan anda baca dan fahami terma serta syarat polisi anda dengan teliti, dan dapatkan nasihat dari ejen insurans jika diperlukan untuk memastikan anda mendapatkan perlindungan yang mencukupi keperluan 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=perkara-yang-harus-ada-dalam-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\/polisi-insuran-kereta-di-malaysia\/\">Jenis-Jenis Polisi Insuran Kereta Di Malaysia<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cover-note-insurans-kereta-hilang\/\">Cara Nak Dapatkan Semula Cover Note Insurans Kereta Hilang<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-tukar-syarikat-insurans-kereta\/\">Cara Nak Tukar Syarikat Insurans Kereta<\/a><\/li><\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Baca artikel ini untuk tahu apa yang harus ada dalam sesebuah polisi insurans kereta bagi memastikan keperluan anda mencukupi.<\/p>\n","protected":false},"author":23,"featured_media":47007,"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>Perkara Yang Harus Ada Dalam Insurans Kereta Anda<\/title>\n<meta name=\"description\" content=\"Baca artikel ini untuk tahu apa yang harus ada dalam sesebuah polisi insurans kereta bagi memastikan keperluan anda mencukupi.\" \/>\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\/perkara-yang-harus-ada-dalam-insurans-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Perkara Yang Harus Ada Dalam Insurans Kereta Anda\" \/>\n<meta property=\"og:description\" content=\"Baca artikel ini untuk tahu apa yang harus ada dalam sesebuah polisi insurans kereta bagi memastikan keperluan anda mencukupi.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perkara-yang-harus-ada-dalam-insurans-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=\"2024-04-29T10:23:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-10T11:07:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/04\/Featured_Image_20240429_03.png?fit=1709%2C1081&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1709\" \/>\n\t<meta property=\"og:image:height\" content=\"1081\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\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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