{"id":47315,"date":"2024-06-12T18:18:27","date_gmt":"2024-06-12T10:18:27","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47315"},"modified":"2025-07-10T18:42:05","modified_gmt":"2025-07-10T10:42:05","slug":"ketahui-maksud-deduktibel-dalam-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/ketahui-maksud-deduktibel-dalam-insurans-kereta","title":{"rendered":"Ketahui Maksud Deduktibel Dalam Insurans Kereta"},"content":{"rendered":"\n<p>Bagi pemandu baru yang pertama kali membeli insurans kereta, sudah pasti mereka akan merasakan bahawa insurans kereta terlalu rumit dan mengandungi terlalu banyak maklumat, yang sangat mengelirukan. Salah satu perkara yang mengelirukan ramai pemandu baru ini ialah deduktibel. Mereka tidak tahu cara ia berfungsi, jadi mereka pastinya akan menghadapi banyak masalah apabila mereka perlu mengemukakan tuntutan.<\/p>\n\n\n\n<p>Oleh itu, kami berharap agar perkongsian pada hari ini dapat memberikan pemahaman yang lebih baik kepada semua orang tentang deduktibel atau potongan <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a>.<\/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-69e8f41f5ba46\" 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-69e8f41f5ba46\"><\/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\/ketahui-maksud-deduktibel-dalam-insurans-kereta\/#Apakah_maksud_potongan_insurans_kereta\" title=\"Apakah maksud potongan insurans kereta?\">Apakah maksud potongan 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\/ketahui-maksud-deduktibel-dalam-insurans-kereta\/#Bagaimanakah_deduktibel_berfungsi\" title=\"Bagaimanakah deduktibel berfungsi?\">Bagaimanakah deduktibel 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\/ketahui-maksud-deduktibel-dalam-insurans-kereta\/#Bila_nak_kena_bayar_deduktibel\" title=\"Bila nak kena bayar deduktibel?\">Bila nak kena bayar deduktibel?<\/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\/ketahui-maksud-deduktibel-dalam-insurans-kereta\/#Macam_mana_jika_deduktibel_saya_lebih_tinggi_daripada_kos_pembaikan\" title=\"Macam mana jika deduktibel saya lebih tinggi daripada kos pembaikan?\">Macam mana jika deduktibel saya lebih tinggi daripada kos pembaikan?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_maksud_potongan_insurans_kereta\"><\/span>Apakah maksud potongan insurans kereta?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Potongan insurans kereta merujuk kepada perbelanjaan yang perlu ditanggung oleh pemilik kereta terlebih dahulu apabila membuat tuntutan selepas kemalangan. Syarikat insurans akan mula membayar pampasan melebihi deduktibel. Sudah tentu, ini adalah jumlah yang dipersetujui oleh kedua-dua pihak.<\/p>\n\n\n\n<p>Sebagai contoh, jika insurans kereta anda menetapkan bahawa deduktibel ialah RM1,000, dan jika kos pembaikan yang diperlukan selepas kemalangan adalah setinggi RM5,000, maka anda mesti membayar RM1,000 dahulu, dan baki RM4,000 akan ditanggung oleh syarikat insurans.<\/p>\n\n\n\n<p>Ia berfungsi dengan membuat pemilik kereta memikul sedikit tanggungjawab kerana kemalangan atau kerosakan pada kenderaan mereka, untuk menggalakkan pemilik memandu dengan berhati-hati dan mengelakkan salah guna tuntutan insurans.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimanakah_deduktibel_berfungsi\"><\/span>Bagaimanakah deduktibel berfungsi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara amnya, apabila <a href=\"https:\/\/bjak.my\/blog\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/\">beli insuran kereta<\/a>, anda boleh memilih deduktibel. Jumlahnya bergantung pada polisi dan syarikat insurans. Lazimnya, deduktibel yang lebih tinggi bermakna pemilik kereta hanya perlu membayar premium insurans yang lebih rendah kerana pemilik kereta itu sendiri mengambil lebih banyak risiko. Oleh itu, anda harus mempertimbangkan keadaan kewangan anda sebelum memutuskan berapa banyak boleh ditolak anda.<\/p>\n\n\n\n<p>Sebelum membeli insurans kereta, adalah disyorkan untuk membaca kontrak insurans dengan teliti dan berunding dengan syarikat insurans untuk memahami butiran khusus dan jumlah yang boleh ditolak.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bila_nak_kena_bayar_deduktibel\"><\/span>Bila nak kena bayar deduktibel?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Berbeza daripada insurans kesihatan, anda tidak perlu membayar potongan tahunan untuk insurans kereta. Anda hanya perlu membayar jumlah yang ditetapkan setiap kali anda membuat tuntutan. Selepas membayar jumlah yang ditetapkan, syarikat insurans akan menanggung baki kos pembaikan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Macam_mana_jika_deduktibel_saya_lebih_tinggi_daripada_kos_pembaikan\"><\/span>Macam mana jika deduktibel saya lebih tinggi daripada kos pembaikan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika begitu, nda akan bertanggungjawab untuk keseluruhan kos pembaikan, kerana syarikat insurans hanya akan melindungi kerosakan yang melebihi deduktibel anda.<\/p>\n\n\n\n<p>Sebagai contoh, jika bayaran pembaikan anda ialah RM700, tetapi deduktibel anda ialah RM1,000, maka sudah semestinya anda perlu menanggung semuanya sendiri. Oleh itu, dalam kes ini, tidak perlu memfailkan tuntutan insurans sama sekali.<\/p>\n\n\n\n<p>Sebagai pemilik kereta, adalah sangat penting untuk memahami dengan jelas deduktibel, supaya anda boleh memilih pakej insurans yang lebih sesuai dan mengetahui masa untuk membuat tuntutan.<\/p>\n\n\n\n<p>Untuk memperbaharui insurans kereta anda, pilih sahaja Bjak, platform <a href=\"https:\/\/bjak.my\/blog\/cara-renew-insurans-kereta\/\">pembaharuan insurans kereta<\/a> nombor satu di Malaysia. Anda hanya perlu memasukkan maklumat untuk mendapatkan sebut harga daripada 23 syarikat insurans dan memilih insurans yang paling sesuai mengikut keperluan dan kemampuan anda. Jika anda mempunyai sebarang pertanyaan, anda boleh menghubungi perkhidmatan pelanggan profesional kami pada bila-bila masa.<\/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=ketahui-maksud-deduktibel-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\/cara-nak-tuntut-insurans-kereta-loss-of-use\/\">Ini Cara Nak Tuntut Insurans Kereta \u201cLoss of Use\u201d Kalau Kereta \u2018Tersangkut\u2019 Lama Dekat Bengkel<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/ini-maksud-ekses-insurans-kereta\/\">Ini Maksud Ekses Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/kepentingan-insurans-kereta\/\">Ini Kepentingan Insurans Kereta Yang Ramai Tak Sedar<\/a><\/li><\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Untuk pemandu yang baru pertama kali memandu dan nak perbaharui insurans kereta wajib tahu apa maksud deduktibel ini.<\/p>\n","protected":false},"author":23,"featured_media":47320,"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>Ketahui Maksud Deduktibel Dalam Insurans Kereta<\/title>\n<meta name=\"description\" content=\"Untuk pemandu yang baru pertama kali memandu dan nak perbaharui insurans kereta wajib tahu apa maksud deduktibel 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\/ketahui-maksud-deduktibel-dalam-insurans-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ketahui Maksud Deduktibel Dalam Insurans Kereta\" \/>\n<meta property=\"og:description\" content=\"Untuk pemandu yang baru pertama kali memandu dan nak perbaharui insurans kereta wajib tahu apa maksud deduktibel ini.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ketahui-maksud-deduktibel-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=\"2024-06-12T10:18:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-10T10:42:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/06\/119Artboard_5_copy_censored.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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