{"id":47079,"date":"2024-05-17T12:47:38","date_gmt":"2024-05-17T04:47:38","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47079"},"modified":"2025-07-10T18:55:40","modified_gmt":"2025-07-10T10:55:40","slug":"ini-maksud-ekses-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/ini-maksud-ekses-insurans-kereta","title":{"rendered":"Ini Maksud Ekses Insurans Kereta"},"content":{"rendered":"\n<p>Ekses <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> atau lebih dikenali sebagai <em>car excess insurance<\/em>, adalah salah satu bentuk perlindungan tambahan yang semakin popular di kalangan pemilik kenderaan di Malaysia. Insurans ini bertujuan untuk melindungi pemegang polisi daripada kos tambahan yang perlu dibayar semasa membuat tuntutan insurans kereta. <\/p>\n\n\n\n<p>Bagi anda yang tidak biasa <a href=\"https:\/\/bjak.my\/ms\">renew insurans kereta<\/a>, pastinya kurang tahu berkenaan maksud ekses insurans kereta ini. Jangan risau kerana dalam artikel ini kita akan meneroka apa itu ekses insurans kereta, bagaimana ia berfungsi, dan mengapa ia penting. 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-69d3e2f5c4ea7\" 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-69d3e2f5c4ea7\"><\/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\/ini-maksud-ekses-insurans-kereta\/#Apa_itu_ekses_insurans_kereta\" title=\"Apa itu ekses insurans kereta?\">Apa itu ekses insurans kereta?<\/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\/ini-maksud-ekses-insurans-kereta\/#Bagaimana_ekses_insurans_kereta_ini_berfungsi\" title=\"Bagaimana ekses insurans kereta ini berfungsi?\">Bagaimana ekses insurans kereta ini berfungsi?<\/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\/ini-maksud-ekses-insurans-kereta\/#Kenapa_ekses_insurans_kereta_penting\" title=\"Kenapa ekses insurans kereta penting?\">Kenapa ekses insurans kereta penting?<\/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\/ini-maksud-ekses-insurans-kereta\/#Siapa_yang_sesuai_untuk_ambil_ekses_insurans_kereta_ini\" title=\"Siapa yang sesuai untuk ambil ekses insurans kereta ini?\">Siapa yang sesuai untuk ambil ekses insurans kereta ini?<\/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\/ini-maksud-ekses-insurans-kereta\/#Beli_insurans_kereta_online_lebih_jimat\" title=\"Beli insurans kereta&nbsp;online&nbsp;lebih jimat\">Beli insurans kereta&nbsp;online&nbsp;lebih jimat<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apa_itu_ekses_insurans_kereta\"><\/span>Apa itu ekses insurans kereta?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ekses insurans kereta adalah perlindungan yang menanggung kos lebihan (excess) yang biasanya perlu dibayar oleh pemilik kenderaan apabila membuat tuntutan insurans kereta. Lebihan ini adalah jumlah wang yang ditetapkan dalam <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> anda yang perlu anda bayar sendiri sebelum syarikat insurans menanggung baki kos tuntutan. Contohnya, jika lebihan anda adalah RM500 dan kos pembaikan kereta anda adalah RM3000, anda perlu membayar RM500, manakala syarikat insurans akan membayar baki RM2500.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_ekses_insurans_kereta_ini_berfungsi\"><\/span>Bagaimana ekses insurans kereta ini berfungsi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ekses insurans kereta berfungsi dengan membayar balik kos lebihan yang anda bayar kepada syarikat insurans utama anda. Katakan anda terlibat dalam kemalangan dan perlu membayar lebihan sebanyak RM1000. Jika anda mempunyai ekses insurans kereta, anda boleh membuat tuntutan untuk mendapatkan semula RM1000 tersebut dari polisi lebihan anda. Ini bermakna anda tidak perlu menanggung kos tambahan ini dari poket sendiri, yang boleh meringankan beban kewangan anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kenapa_ekses_insurans_kereta_penting\"><\/span>Kenapa ekses insurans kereta penting?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Terdapat beberapa sebab mengapa ekses insurans kereta adalah penting:<\/p>\n\n\n\n<ol><li>Perlindungan kewangan tambahan: Insurans ini membantu mengurangkan beban kewangan anda dengan menanggung kos ekses yang mungkin besar, terutama jika anda terlibat dalam kemalangan yang serius.<\/li><li>Ketenangan minda: Mengetahui bahawa anda dilindungi dari segi kewangan dapat membuatkan fikiran anda tenang, terutama apabila anda tahu bahawa kos ekses boleh ditanggung oleh ekses insurans.<\/li><li>Kos lebihan yang tinggi: Sesetengah polisi insurans kereta mempunyai kos lebihan yang tinggi, terutamanya bagi pemandu muda atau yang berisiko tinggi. Ekses insurans kereta ini dapat membantu mengurus kos ini dengan lebih berkesan.<\/li><li>Fleksibiliti dan jimat kos: Dengan adanya ekses insurans kereta, anda boleh memilih polisi insurans utama dengan lebihan yang lebih tinggi untuk menjimatkan premium bulanan, kerana anda tahu bahawa kos lebihan akan ditanggung oleh ekses insurans kereta anda.<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Siapa_yang_sesuai_untuk_ambil_ekses_insurans_kereta_ini\"><\/span>Siapa yang sesuai untuk ambil ekses insurans kereta ini?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ekses insurans kereta ini sesuai untuk semua pemilik kenderaan, terutamanya mereka yang:<\/p>\n\n\n\n<ul><li>Mempunyai polisi insurans kereta dengan kos lebihan yang tinggi.<\/li><li>Memandu kereta mewah atau mahal yang mungkin memerlukan kos pembaikan yang tinggi.<\/li><li>Baru memandu atau mempunyai risiko kemalangan yang lebih tinggi.<\/li><li>Ingin mengurangkan beban kewangan sekiranya berlaku tuntutan insurans.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Beli_insurans_kereta_online_lebih_jimat\"><\/span>Beli insurans kereta&nbsp;<em>online<\/em>&nbsp;lebih jimat<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk makluman anda, kebanyakan platform insurans termasuk Bjak memberikan peluang kepada pelanggan untuk lebih jimat.<\/p>\n\n\n\n<p>Selain penjimatan sehingga RM480 apabila membandingkan dengan 23 pilihan insurans, anda juga boleh mendapatkan lagi diskaun tambahan apabila menggunakan kaedah pembayaran&nbsp;<a href=\"https:\/\/bjak.my\/blog\/beli-dulu-bayar-kemudian-di-bjak\/\">Beli Dulu Bayar Kemudian (BNPL)<\/a>&nbsp;untuk kali pertama. Dengan kaedah BNPL, anda boleh berasa lega kerana pembayaran insurans boleh dilakukan dengan 3 kali ansuran tanpa sebarang faedah.&nbsp;<\/p>\n\n\n\n<p>Jadi, inilah kesempatan yang anda boleh gunakan dengan renew insurans kereta&nbsp;<em>online<\/em>. Tidak rugi, malah ia sememangnya berbaloi untuk anda. Bagi memudahkan anda untuk renew secara online, klik sahaja butang di bawah 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=ini-maksud-ekses-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\/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\/risiko-pemandu-adakah-anda-pemandu-berisiko-tinggi-atau-rendah\/\">Risiko Pemandu: Adakah Anda Pemandu Berisiko Tinggi Atau Rendah?&nbsp;<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bagi anda yang tidak biasa atau merupakan kali pertama nak beli insurans kereta wajib tahu apa maksud ekses insurans kereta ini.<\/p>\n","protected":false},"author":23,"featured_media":47082,"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>Ini Maksud Ekses Insurans Kereta<\/title>\n<meta name=\"description\" content=\"Bagi anda yang tidak biasa atau merupakan kali pertama nak beli insurans kereta wajib tahu apa maksud ekses insurans kereta ini.\" \/>\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\/ini-maksud-ekses-insurans-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ini Maksud Ekses Insurans Kereta\" \/>\n<meta property=\"og:description\" content=\"Bagi anda yang tidak biasa atau merupakan kali pertama nak beli insurans kereta wajib tahu apa maksud ekses insurans kereta ini.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ini-maksud-ekses-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=\"2024-05-17T04:47:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-10T10:55:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/05\/20240516_Arif_FI-BM-01.jpg?fit=1708%2C1080&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1708\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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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