{"id":49471,"date":"2025-07-17T17:16:09","date_gmt":"2025-07-17T09:16:09","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=49471"},"modified":"2025-11-03T18:20:56","modified_gmt":"2025-11-03T10:20:56","slug":"perbezaan-antara-insurans-pihak-ketiga-komprehensif-perlindungan-tambahan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/perbezaan-antara-insurans-pihak-ketiga-komprehensif-perlindungan-tambahan","title":{"rendered":"Perbezaan Antara Insurans Pihak Ketiga, Komprehensif &#038; Perlindungan Tambahan"},"content":{"rendered":"\n<p>Bila tiba masa nak perbaharui insurans kereta, satu persoalan biasa akan timbul:<br><strong>\u201cPatut ambil insurans pihak ketiga, komprehensif, atau tambah perlindungan tambahan?\u201d<\/strong><\/p>\n\n\n\n<p>Setiap pilihan datang dengan kelebihan dan had tersendiri. Untuk elak tersalah pilih, jom fahami perbezaan ketiga-tiga jenis perlindungan ini.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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-69e13a12b9791\" 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-69e13a12b9791\"><\/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\/perbezaan-antara-insurans-pihak-ketiga-komprehensif-perlindungan-tambahan\/#Insurans_Pihak_Ketiga_Third_Party_Insurance\" title=\"Insurans Pihak Ketiga (Third Party Insurance)\">Insurans Pihak Ketiga (Third Party Insurance)<\/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\/perbezaan-antara-insurans-pihak-ketiga-komprehensif-perlindungan-tambahan\/#Insurans_Komprehensif_Comprehensive_Insurance\" title=\"Insurans Komprehensif (Comprehensive Insurance)\">Insurans Komprehensif (Comprehensive Insurance)<\/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\/perbezaan-antara-insurans-pihak-ketiga-komprehensif-perlindungan-tambahan\/#Perlindungan_Tambahan_Add-On_Optional_Coverage\" title=\"Perlindungan Tambahan (Add-On \/ Optional Coverage)\">Perlindungan Tambahan (Add-On \/ Optional Coverage)<\/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\/perbezaan-antara-insurans-pihak-ketiga-komprehensif-perlindungan-tambahan\/#Ringkasan_Perbandingan\" title=\"Ringkasan Perbandingan\">Ringkasan Perbandingan<\/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\/perbezaan-antara-insurans-pihak-ketiga-komprehensif-perlindungan-tambahan\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Insurans_Pihak_Ketiga_Third_Party_Insurance\"><\/span><strong>Insurans Pihak Ketiga (Third Party Insurance)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ini ialah pelan paling asas dan <strong>paling murah<\/strong>. Ia adalah <strong>wajib<\/strong> sekurang-kurangnya untuk semua kenderaan berdaftar di Malaysia.<\/p>\n\n\n\n<p><strong>Apa yang dilindungi:<\/strong><\/p>\n\n\n\n<ul><li>Kerosakan kepada kenderaan orang lain<\/li><li>Kecederaan atau kematian pihak ketiga akibat kemalangan<br><\/li><\/ul>\n\n\n\n<p><strong>Apa yang tidak dilindungi:<\/strong><\/p>\n\n\n\n<ul><li>Kerosakan atau kehilangan kenderaan anda sendiri<\/li><li>Kos baik pulih kereta anda jika anda bersalah<br><\/li><\/ul>\n\n\n\n<p><strong>Sesuai untuk siapa?<\/strong><\/p>\n\n\n\n<ul><li>Pemilik kereta lama atau kurang bernilai<\/li><li>Mereka yang ingin jimat kos premium<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Insurans_Komprehensif_Comprehensive_Insurance\"><\/span><strong>Insurans Komprehensif (Comprehensive Insurance)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pelan ini menawarkan perlindungan yang lebih menyeluruh. Ia melindungi <strong>kereta anda sendiri<\/strong> serta pihak ketiga.<\/p>\n\n\n\n<p><strong>Apa yang dilindungi:<\/strong><\/p>\n\n\n\n<ul><li>Kerosakan atau kehilangan kenderaan anda sendiri (akibat kemalangan, kecurian, kebakaran)<\/li><li>Kerosakan dan kecederaan kepada pihak ketiga<\/li><li>Kerosakan akibat bencana tertentu (bergantung pada polisi)<br><\/li><\/ul>\n\n\n\n<p><strong>Apa yang tidak dilindungi (kecuali ditambah):<\/strong><\/p>\n\n\n\n<ul><li>Banjir atau bencana alam<\/li><li>Cermin depan<\/li><li>Tuntutan akibat kesalahan sendiri tanpa pihak ketiga<br><\/li><\/ul>\n\n\n\n<p><strong>Sesuai untuk siapa?<\/strong><\/p>\n\n\n\n<ul><li>Pemilik kereta baru atau berharga tinggi<\/li><li>Mereka yang inginkan perlindungan menyeluruh<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_Tambahan_Add-On_Optional_Coverage\"><\/span><strong>Perlindungan Tambahan (Add-On \/ Optional Coverage)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"49473\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perbezaan-antara-insurans-pihak-ketiga-komprehensif-perlindungan-tambahan\/attachment\/featured-images-blog-template-2025-07-16t222022-345\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222022.345.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"Featured-Images-Blog-Template-2025-07-16T222022.345\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222022.345.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222022.345.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222022.345.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Perlindungan Tambahan (Add-On \/ Optional Coverage)\nIni ialah perlindungan tambahan yang boleh anda beli bersama insurans komprehensif untuk perlindungan yang lebih lengkap.\nContoh perlindungan tambahan (bergantung kepada panel insurans):\nJenis Perlindungan Tambahan\nApa yang Dilindungi\nPerlindungan Cermin Kereta\nKos baik pulih atau gantian cermin depan, tingkap sisi atau belakang\nPerlindungan Banjir &amp; Bencana Alam\nKerosakan akibat banjir, tanah runtuh, ribut, dan kejadian cuaca ekstrem\nTunda Tanpa Had (BJAK VIP Rescue)\nTowing tanpa had jarak, bantuan kemalangan dan tuntutan menyeluruh\nCART (Compensation for Assessed Repair Time)\nPampasan tunai jika kereta anda tersadai di bengkel lebih lama dari tempoh dijangka\nPampasan NCD Tahun Semasa\nAnda kekalkan diskaun NCD walaupun buat tuntutan tertentu\nKemalangan Peribadi Untuk Semua\nPampasan untuk pemandu dan penumpang jika berlaku kecederaan atau kematian\n\n\" class=\"wp-image-49473\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222022.345.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222022.345.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222022.345.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222022.345.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222022.345.jpg?w=1708&amp;ssl=1 1708w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><figcaption>Ini ialah perlindungan <strong>tambahan<\/strong> yang boleh anda beli <strong>bersama insurans komprehensif<\/strong> untuk perlindungan yang lebih lengkap.<br><\/figcaption><\/figure>\n\n\n\n<p><strong>Sesuai untuk siapa?<\/strong><\/p>\n\n\n\n<ul><li>Pemandu yang mahukan perlindungan maksimum<\/li><li>Mereka yang sering memandu jauh atau di kawasan berisiko tinggi<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Ringkasan_Perbandingan\"><\/span><strong>Ringkasan Perbandingan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"49474\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perbezaan-antara-insurans-pihak-ketiga-komprehensif-perlindungan-tambahan\/attachment\/featured-images-blog-template-2025-07-16t222029-984\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222029.984.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"Featured-Images-Blog-Template-2025-07-16T222029.984\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222029.984.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222029.984.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222029.984.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Ringkasan Perbandingan\nCiri \/ Jenis Insurans\nPihak Ketiga\nKomprehensif\nPerlindungan Tambahan\nLindungi kenderaan anda\nTidak\nYa\nYa (bergantung jenis)\nLindungi pihak ketiga\nYa\nYa\nYa\nKecurian \/ kebakaran\nTidak\nYa\nYa\nPerlindungan banjir\nTidak\nTidak(kecuali add-on)\nYa\nCART \/ Pampasan tambahan\nTidak\nTidak (kecuali add-on)\nYa\nHarga\nMurah\nSederhana\u2013tinggi\nTambahan ikut pilihan\n\n\" class=\"wp-image-49474\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222029.984.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222029.984.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222029.984.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222029.984.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/07\/Featured-Images-Blog-Template-2025-07-16T222029.984.jpg?w=1708&amp;ssl=1 1708w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Setiap jenis insurans ada tujuannya tersendiri.<\/p>\n\n\n\n<ul><li><strong>Insurans pihak ketiga<\/strong> cukup untuk kenderaan lama atau sekadar untuk patuh undang-undang.<\/li><li><strong>Insurans komprehensif<\/strong> sesuai untuk kereta yang lebih baru atau bernilai tinggi.<\/li><li><strong>Add-on perlindungan tambahan<\/strong> membantu anda elak kerugian besar dalam situasi luar jangka.<br><\/li><\/ul>\n\n\n\n<p>Jika anda mahu perlindungan lebih menyeluruh \u2014 pastikan anda semak dan pilih add-on yang sesuai dengan gaya pemanduan dan bajet anda.<br>Platform seperti <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=perbezaan-antara-insurans-pihak-ketiga-komprehensif--perlindungan-tambahan\"><strong>BJAK<\/strong> <\/a>memudahkan anda banding pelbagai pelan dan tambah perlindungan seperti <strong>VIP Rescue, CART, dan perlindungan banjir<\/strong> dengan lebih fleksibel.<\/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-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=perbezaan-antara-insurans-pihak-ketiga-komprehensif--perlindungan-tambahan\" style=\"background-color:#ffd103\">Dapatkan Sebut Harga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca juga:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/bandingkan-pelan-ansuran-insurans-kereta-epp-vs-bnpl-vs-tunai\/\">Bandingkan Pelan Ansuran Insurans Kereta \u2013 EPP vs BNPL vs Tunai<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-untuk-pemilik-muda-di-malaysia-panduan-untuk-umur-2130-tahun\/\">Insurans Kereta untuk Pemilik Muda di Malaysia: Panduan untuk Umur 21\u201330 Tahun<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-perbaharui-roadtax-online-untuk-kenderaan-sabah-sarawak\/\">Cara Perbaharui Roadtax Online untuk Kenderaan Sabah &amp; Sarawak<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bila tiba masa nak perbaharui insurans kereta, satu persoalan biasa akan timbul:\u201cPatut ambil insurans pihak ketiga, komprehensif, atau tambah perlindungan tambahan?\u201d Setiap pilihan datang dengan kelebihan dan had tersendiri. Untuk elak tersalah pilih, jom fahami perbezaan ketiga-tiga jenis perlindungan ini. Insurans Pihak Ketiga (Third Party Insurance) Ini ialah pelan paling asas dan paling murah. 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