{"id":51375,"date":"2025-09-13T21:00:00","date_gmt":"2025-09-13T13:00:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51375"},"modified":"2025-10-30T16:20:40","modified_gmt":"2025-10-30T08:20:40","slug":"panduan-lengkap-memilih-insurans-kereta-untuk-pemandu-baru","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-lengkap-memilih-insurans-kereta-untuk-pemandu-baru","title":{"rendered":"Panduan Lengkap Memilih Insurans Kereta Untuk Pemandu Baru"},"content":{"rendered":"\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-69e15234e458d\" 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-69e15234e458d\"><\/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\/panduan-lengkap-memilih-insurans-kereta-untuk-pemandu-baru\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/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\/panduan-lengkap-memilih-insurans-kereta-untuk-pemandu-baru\/#Jadual_Perbandingan_Insurans_Ringkas\" title=\"Jadual Perbandingan Insurans (Ringkas)\">Jadual Perbandingan Insurans (Ringkas)<\/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\/panduan-lengkap-memilih-insurans-kereta-untuk-pemandu-baru\/#Apa_Pilihan_Terbaik_Untuk_Pemandu_Baru\" title=\"Apa Pilihan Terbaik Untuk Pemandu Baru?\">Apa Pilihan Terbaik Untuk Pemandu Baru?<\/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\/panduan-lengkap-memilih-insurans-kereta-untuk-pemandu-baru\/#Faktor_Yang_Patut_Dipertimbangkan\" title=\"Faktor Yang Patut Dipertimbangkan\">Faktor Yang Patut Dipertimbangkan<\/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\/panduan-lengkap-memilih-insurans-kereta-untuk-pemandu-baru\/#Cara_Nak_Elak_Silap_Beli\" title=\"Cara Nak Elak Silap Beli\">Cara Nak Elak Silap Beli<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-lengkap-memilih-insurans-kereta-untuk-pemandu-baru\/#FAQ_Pemandu_Baru\" title=\"FAQ Pemandu Baru\">FAQ Pemandu Baru<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-lengkap-memilih-insurans-kereta-untuk-pemandu-baru\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kalau baru dapat lesen, memang rasa seronok nak ada kereta sendiri. Tapi real talk \u2014 sebelum boleh turun jalan, kena fikir pasal insurans dulu. Tanpa insurans sah, kereta tak boleh renew roadtax dekat JPJ atau MyEG. Jadi, insurans ni bukan pilihan, tapi kewajipan. Dalam artikel ni, kami sediakan <strong>Panduan Lengkap Memilih Insurans<\/strong> untuk pemandu baru, supaya korang boleh buat keputusan tepat tanpa pening kepala.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Jadual_Perbandingan_Insurans_Ringkas\"><\/span><strong>Jadual Perbandingan Insurans (Ringkas)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><tbody><tr><td><strong>Jenis Insurans<\/strong><\/td><td><strong>Perlindungan<\/strong><\/td><td><strong>Sesuai Untuk<\/strong><\/td><td><strong>Kos Anggaran<\/strong><\/td><\/tr><tr><td>Pihak Ketiga<\/td><td>Cover kerosakan pihak lain, tak cover kereta sendiri<\/td><td>Bajet terhad \/ kereta lama<\/td><td>Paling murah<\/td><\/tr><tr><td>Komprehensif<\/td><td>Cover pihak lain + kereta sendiri<\/td><td>Kereta baru \/ pinjaman bank<\/td><td>Lebih tinggi<\/td><\/tr><tr><td>TPFT (Third Party, Fire &amp; Theft)<\/td><td>Cover pihak lain + kebakaran &amp; kecurian<\/td><td>Kereta sederhana<\/td><td>Sederhana<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Pilihan_Terbaik_Untuk_Pemandu_Baru\"><\/span><strong>Apa Pilihan Terbaik Untuk Pemandu Baru?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Soalan famous ni. Jawapan straight to the point: kalau kereta baru atau masih under bank loan, insurans <strong>komprehensif<\/strong> wajib. Kalau kereta secondhand murah, ramai orang ambil <strong>pihak ketiga<\/strong> sebab jimat. Tapi ada risiko \u2014 kalau kereta sendiri accident, memang tanggung sendiri.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Faktor_Yang_Patut_Dipertimbangkan\"><\/span><strong>Faktor Yang Patut Dipertimbangkan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Umur &amp; Nilai Kereta<\/strong> \u2013 Kereta baru \u2192 perlindungan penuh.<br><\/li><li><strong>Bajet Bulanan<\/strong> \u2013 Insurans lebih luas = premium lebih tinggi.<br><\/li><li><strong>Lokasi &amp; Risiko<\/strong> \u2013 Tinggal area kecurian tinggi? Pertimbangkan komprehensif.<br><\/li><li><strong>Tambahan (Add-ons)<\/strong> \u2013 Contoh: perlindungan banjir, cermin, VIP Road Assist Bjak.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Nak_Elak_Silap_Beli\"><\/span><strong>Cara Nak Elak Silap Beli<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Survey harga<\/strong> \u2013 Bandingkan quote dari Bjak, MyEG, Pos Malaysia.<br><\/li><li><strong>Semak panel bengkel<\/strong> \u2013 Jangan main hantar kat bengkel random, pastikan lulus insurans.<br><\/li><li><strong>Jangan skip add-on penting<\/strong> \u2013 Contoh kalau area selalu banjir, ambik perlindungan banjir.<br><\/li><li><strong>Baca terma betul-betul<\/strong> \u2013 Ramai skip ni, sekali claim ditolak baru menyesal.<br><\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51407\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-lengkap-memilih-insurans-kereta-untuk-pemandu-baru\/attachment\/3-31-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-31.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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=\"3-31\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-31.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-31.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-31.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik checklist perkara penting sebelum pemandu baru pilih insurans kereta.\" class=\"wp-image-51407\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-31.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-31.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-31.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-31.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-31.jpg?w=1600&amp;ssl=1 1600w\" 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=\"FAQ_Pemandu_Baru\"><\/span><strong>FAQ Pemandu Baru<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. Pemandu baru boleh beli insurans online?<\/strong><strong><br><\/strong> Ya, boleh terus beli dekat Bjak, MyEG, Pos Malaysia atau renew dekat JPJ.<\/p>\n\n\n\n<p><strong>2. Kalau baru dapat lesen, premium lebih mahal ke?<\/strong><strong><br><\/strong> Biasanya ya. Umur muda dianggap risiko lebih tinggi \u2192 premium naik sikit.<\/p>\n\n\n\n<p><strong>3. Boleh terus dapat cover lepas beli?<\/strong><strong><br><\/strong> Kalau tiada isu detail pemilik\/kereta &amp; tiada gap coverage, polisi keluar serta-merta. Link dihantar melalui emel atau WhatsApp.<\/p>\n\n\n\n<p><strong>4. Apa beza roadtax digital &amp; fizikal?<\/strong><strong><br><\/strong> Digital roadtax percuma dalam MyJPJ app. Fizikal ada caj tambahan (contoh Bjak: sekitar RM10 tak termasuk laminasi).<\/p>\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>Pemandu baru jangan pandang ringan insurans. Ingat \u2014 murah tak semestinya berbaloi. Faham jenis perlindungan, nilai kereta, bajet, baru buat pilihan. Dengan artikel ini sebagai <strong>Panduan Lengkap Memilih Insurans<\/strong>, korang boleh buat keputusan lebih bijak, urus renew roadtax dan polisi dengan lancar, dan elak pening kepala tahun depan.<\/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=panduan-lengkap-memilih-insurans-kereta-untuk-pemandu-baru\" 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\/apa-itu-perlindungan-komprehensif-dalam-insurans-kereta\">Apa Itu Perlindungan Komprehensif Dalam Insurans Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/tips-pilih-bengkel-panel-insurans-kereta-yang-terjamin\">Tips Pilih Bengkel Panel Insurans Kereta Yang Terjamin<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/5-dokumen-penting-untuk-tuntutan-insurans-kereta\">5 Dokumen Penting Untuk Tuntutan Insurans Kereta<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pengenalan Kalau baru dapat lesen, memang rasa seronok nak ada kereta sendiri. Tapi real talk \u2014 sebelum boleh turun jalan, kena fikir pasal insurans dulu. Tanpa insurans sah, kereta tak boleh renew roadtax dekat JPJ atau MyEG. Jadi, insurans ni bukan pilihan, tapi kewajipan. Dalam artikel ni, kami sediakan Panduan Lengkap Memilih Insurans untuk pemandu&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-lengkap-memilih-insurans-kereta-untuk-pemandu-baru\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Panduan Lengkap Memilih Insurans Kereta Untuk Pemandu Baru<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":51406,"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":[26,93,243,2806],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Panduan Lengkap Memilih Insurans Kereta Untuk Pemandu Baru | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Panduan Lengkap Memilih Insurans Kereta Untuk Pemandu Baru , Fahami Jenis Insurans, Kos, Tips elak Salah Pilih.\" \/>\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\/panduan-lengkap-memilih-insurans-kereta-untuk-pemandu-baru\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Panduan Lengkap Memilih Insurans Kereta Untuk Pemandu Baru | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Panduan Lengkap Memilih Insurans Kereta Untuk Pemandu Baru , Fahami Jenis Insurans, Kos, Tips elak Salah Pilih.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-lengkap-memilih-insurans-kereta-untuk-pemandu-baru\" \/>\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=\"2025-09-13T13:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T08:20:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-31.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\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=\"tariqsiregar@bjak.my\" \/>\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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