{"id":47038,"date":"2024-05-14T12:21:16","date_gmt":"2024-05-14T04:21:16","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47038"},"modified":"2025-07-10T18:59:48","modified_gmt":"2025-07-10T10:59:48","slug":"maksud-loading-dalam-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/maksud-loading-dalam-insurans-kereta","title":{"rendered":"Maksud &#8220;Loading&#8221; Dalam Insurans Kereta"},"content":{"rendered":"\n<p>Sesetengah daripada kita mungkin tidak biasa dengan beberapa istilah insurans semasa anda membelek halaman <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> anda. Sama ada apabila anda ingin membeli pelan polisi atau memperbaharui yang baharu setiap tahun.<\/p>\n\n\n\n<p>Antara istilah dalam insurans yang mengelirukan itu adalah <em>excess,&nbsp;betterment,&nbsp;waiver,&nbsp;endorsement,&nbsp;premium<\/em> dan lain-lain lagi. Dalam artikel ini kami akan berkongsikan mengenai satu lagi istilah insurans yang agak mengelirukan. Baca artikel ini untuk mengetahui lebih lanjut mengenai istilah insurans ini.<\/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-69e7d317ba798\" 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-69e7d317ba798\"><\/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\/maksud-loading-dalam-insurans-kereta\/#Apa_itu_%E2%80%9Cloading%E2%80%9D\" title=\"Apa itu &#8220;loading&#8221;?\">Apa itu &#8220;loading&#8221;?<\/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\/maksud-loading-dalam-insurans-kereta\/#Berapakah_kos_%E2%80%98loading%E2%80%99\" title=\"Berapakah kos &#8216;loading&#8217;?\">Berapakah kos &#8216;loading&#8217;?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/maksud-loading-dalam-insurans-kereta\/#Contoh_situasi\" title=\"Contoh situasi\">Contoh situasi<\/a><\/li><\/ul><\/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\/maksud-loading-dalam-insurans-kereta\/#Bandingkan_loading_yang_dikenakan_sebelum_memperbaharui_insurans\" title=\"Bandingkan loading yang dikenakan sebelum memperbaharui insurans\">Bandingkan loading yang dikenakan sebelum memperbaharui insurans<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apa_itu_%E2%80%9Cloading%E2%80%9D\"><\/span>Apa itu &#8220;loading&#8221;?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><em>Loading<\/em> ialah <strong>surcaj tambahan yang dikenakan ke atas kadar premium asas<\/strong>&nbsp;berdasarkan beberapa risiko.<\/p>\n\n\n\n<p>Faktor yang boleh menjejaskan risiko di mana <em>loading<\/em> boleh dikenakan adalah tetapi tidak terhad kepada umur kenderaan, pengalaman pemanduan pemandu dan pengalaman tuntutan buruk.<\/p>\n\n\n\n<p><em>Loading<\/em> berlaku apabila syarikat <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> dengan calon berisiko tinggi dan diambil alih oleh syarikat insurans dalam kes di mana risiko kepada individu itu lebih tinggi daripada dalam keadaan biasa.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapakah_kos_%E2%80%98loading%E2%80%99\"><\/span>Berapakah kos &#8216;loading&#8217;?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Walaupun jenis risiko adalah serupa, kadar yuran atau &#8216;peratusan <em>loading<\/em>&#8216; berbeza-beza merentas syarikat insurans. Peratusan berkisar&nbsp;&nbsp;<strong>antara 15% dan 35<\/strong>&nbsp;%.<\/p>\n\n\n\n<p>Semakin tinggi risiko seseorang individu, semakin tinggi peratusan yang akan dikenakan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Contoh_situasi\"><\/span>Contoh situasi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ahmad mempunyai kereta lama (jenama XX) yang didaftarkan pada 2007. Justeru, menjadikan keretanya berusia 15 tahun pada tahun ini.<\/p>\n\n\n\n<p>Dalam 15 tahun, Ahmad tidak pernah memohon tuntutan insurans \u2013 kadar NCDnya kekal pada 55%. Bagaimanapun, di sebalik rekod Ahmad yang baik, syarikat insuransnya masih perlu mengenakan peratusan <em>loading<\/em> kepada premium insurans asasnya sebanyak 30%. Sebabnya kereta itu agak lama.<\/p>\n\n\n\n<p>Oleh itu, premium yang perlu dibayar oleh Ahmad untuk 2022 adalah seperti berikut:<\/p>\n\n\n\n<p><em><strong>Pengiraan sebelum potongan NCD, dan caj loading:<\/strong><\/em><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Premium asas<\/strong><\/td><td>RM427.30<\/td><\/tr><tr><td><strong>Peratusan loading (30%)<\/strong><\/td><td>RM128.19<\/td><\/tr><tr><td><strong>Jumlah perlu dibayar<\/strong><\/td><td>RM555.49<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong><em>Selepas potongan NCD<\/em><\/strong><\/p>\n\n\n\n<p>RM555.49 \u2013 NCD (55%) RM305.50=&nbsp;&nbsp;<strong>RM249.97<\/strong><\/p>\n\n\n\n<p><strong><em>Jumlah premium yang perlu dibayar selepas menambah cukai SST (6%) dan caj duti setem<\/em><\/strong><\/p>\n\n\n\n<p>RM249.97 + RM15 (SST) + RM10 (duti setem) =&nbsp;<strong>RM274.97<\/strong><\/p>\n\n\n\n<p>Bagi pembaharuan insurans pada 2022, jumlah <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium insurans kereta<\/a> yang perlu dibayar oleh Ahmad ialah&nbsp;<strong>RM274.97<\/strong>&nbsp;.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bandingkan_loading_yang_dikenakan_sebelum_memperbaharui_insurans\"><\/span>Bandingkan loading yang dikenakan sebelum memperbaharui insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara ringkasnya, semakin tinggi peratusan <em>loading<\/em> yang dikenakan, semakin mahal premium insurans yang perlu dibayar.<\/p>\n\n\n\n<p>Oleh itu, kami mengesyorkan anda membandingkan dahulu peratusan <em>loading <\/em>merentas pembekal insurans. Perbandingan boleh membantu anda mendapatkan tawaran termurah di bandar. Semakin rendah peratusan <em>loading <\/em>, semakin rendah premium insurans yang perlu anda bayar.<\/p>\n\n\n\n<p>Sila ambil perhatian bahawa sesetengah syarikat insurans tidak mengenakan sebarang caj. Oleh itu, adalah penting untuk membuat kajian terlebih dahulu sebelum membeli perlindungan insurans kereta 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=maksud-loading-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\/ncb-insurans-kereta\/\">Apakah NCB Dalam Insurans Kereta?<\/a><\/li><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><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ketahui apa maksud &#8220;loading&#8221; dalam polisi insurans kereta. Apa fungsi serta peranannya di dalam artikel ini.<\/p>\n","protected":false},"author":23,"featured_media":47058,"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>Maksud &quot;Loading&quot; Dalam Insurans Kereta<\/title>\n<meta name=\"description\" content=\"Ketahui apa maksud &quot;loading&quot; dalam polisi insurans kereta. 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