{"id":47589,"date":"2024-07-24T10:51:39","date_gmt":"2024-07-24T02:51:39","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47589"},"modified":"2025-07-10T16:38:31","modified_gmt":"2025-07-10T08:38:31","slug":"risiko-memandu-dengan-insurans-tamat-tempoh","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-memandu-dengan-insurans-tamat-tempoh","title":{"rendered":"Insurans Kereta: Ini Risiko Perlu Ditanggung Jika Memandu Dengan Insurans Tamat Tempoh"},"content":{"rendered":"\n<p>Mengikut undang-undang jalan raya di Malaysia, setiap kereta dan motosikal wajib mempunyai <a href=\"https:\/\/bjak.my\/blog\/cukai-jalan-jpj\/\">cukai jalan<\/a> dan insurans kenderaan yang sah sebelum menggunakan jalan raya. Namun, selalu ada segelintir orang yang mengabaikan perkara penting ini dan terus memandu di jalan raya tanpa memperbaharui insurans kereta mereka. Apabila berlaku kemalangan, mereka mendapati mereka tidak boleh menuntut pampasan malah perlu membayar denda.<\/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-69efe2a0a216e\" 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-69efe2a0a216e\"><\/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\/risiko-memandu-dengan-insurans-tamat-tempoh\/#Kepentingan_insurans_kereta\" title=\"Kepentingan insurans kereta\">Kepentingan 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\/risiko-memandu-dengan-insurans-tamat-tempoh\/#Risiko_memandu_tanpa_insurans_kenderaan_yang_sah\" title=\"Risiko memandu tanpa insurans kenderaan yang sah\">Risiko memandu tanpa insurans kenderaan yang sah<\/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\/risiko-memandu-dengan-insurans-tamat-tempoh\/#Berikan_perlindungan_terbaik_untuk_kereta_anda\" title=\"Berikan perlindungan terbaik untuk kereta anda\">Berikan perlindungan terbaik untuk kereta anda<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Kepentingan_insurans_kereta\"><\/span>Kepentingan insurans kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> ialah polisi yang mesti dibeli oleh setiap pemilik kereta untuk melindungi pemandu atau pihak ketiga sekiranya berlaku kemalangan.<\/p>\n\n\n\n<p>Dengan perlindungan insurans kereta yang komprehensif, jika kemalangan berlaku, pemilik kereta tidak perlu membayar, kerana syarikat insurans akan membayar pampasan untuk kos pembaikan yang diperlukan, sangat mengurangkan beban pemilik kereta. Walau bagaimanapun, jika insurans kereta anda telah tamat tempoh atau luput, anda akan kehilangan sebarang perlindungan dari segi kewangan. Jika anda adalah pelakunya, pihak ketiga juga boleh menyaman anda kerana tidak mempunyai insurans kereta.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Risiko_memandu_tanpa_insurans_kenderaan_yang_sah\"><\/span>Risiko memandu tanpa insurans kenderaan yang sah<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>i. Beban kewangan: Sesetengah orang mungkin berfikir bahawa mereka boleh menjimatkan wang dengan tidak memperbaharui insurans kereta mereka, tetapi sebenarnya ini bermakna anda tidak dilindungi oleh sebarang insurans. Jika kereta anda rosak dalam kemalangan kereta, anda akan bertanggungjawab untuk semua kos membaiki kereta anda, yang mungkin lebih daripada premium insurans anda, mewujudkan beban kewangan yang tidak dapat ditanggung.<\/p>\n\n\n\n<p>ii. Tindakan undang-undang: Kegagalan memperbaharui insurans kereta anda bermakna cukai jalan anda tidak boleh diperbaharui. Kemudian, jika anda didapati telah tamat tempoh cukai jalan, pihak berkuasa yang berkenaan akan mengeluarkan saman, yang boleh mencecah sehingga RM600 (tanpa insurans dan cukai jalan), malah boleh mengambil tindakan undang-undang yang lebih serius seperti membatalkan lesen memandu anda. Oleh itu, daripada membayar denda yang tertunggak, adalah lebih baik untuk memperbaharui insurans kereta anda tepat pada masanya.<\/p>\n\n\n\n<p>iii. Kesukaran mendapatkan insurans berikutnya: Apabila insurans kereta anda luput, syarikat insurans secara automatik akan mengklasifikasikan anda sebagai bakal pemilik kereta berisiko tinggi, yang akan menyebabkan anda perlu membayar <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium insurans kereta<\/a> yang lebih tinggi. Sekiranya polisi tamat tempoh terlalu lama, syarikat insurans berhak untuk menolak perlindungan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berikan_perlindungan_terbaik_untuk_kereta_anda\"><\/span>Berikan perlindungan terbaik untuk kereta anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tujuan insurans kereta bukan sahaja untuk memastikan kereta dipandu secara sah di jalan raya, tetapi yang lebih penting, untuk memberikan perlindungan kepada pemilik kereta sekiranya berlaku kemalangan dan mengurangkan beban kewangan dengan berkesan.<\/p>\n\n\n\n<p>Mungkin sesetengah orang lebih memilih untuk tidak memperbaharui kerana premiumnya mahal, tetapi sebenarnya melalui Bjak, platform insurans kereta dalam talian terbesar di Malaysia, anda boleh membandingkan sebut harga daripada 23 syarikat insurans sekaligus dan memilih yang sesuai berdasarkan keperluan dan bajet anda. Anda juga boleh memilih untuk membeli sekarang, membayar kemudian, dan membayar dengan ansuran bulanan, yang sangat mengurangkan beban anda! Layari BJAK hari ini untuk mengetahui lebih lanjut!<\/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=risiko-memandu-dengan-insurans-tamat-tempoh\">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\/insurans-kereta-banjir\/\">Adakah Insurans Kereta Lindungi Kerosakan Akibat Banjir?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-nak-claim-insuran-kereta\/\">Cara Nak Claim Insuran Kereta Untuk Kes Kecurian<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Jika insurans kenderaan anda tamat tempoh, anda sebenarnya terdedah dengan pelbagai risiko. Baca untuk ketahui apa risikonya.<\/p>\n","protected":false},"author":23,"featured_media":47599,"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>Risiko Perlu Ditanggung Jika Memandu Dengan Insurans Tamat Tempoh<\/title>\n<meta name=\"description\" content=\"Jika insurans kenderaan anda tamat tempoh, anda sebenarnya terdedah dengan pelbagai risiko. 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