{"id":51569,"date":"2025-09-17T22:30:00","date_gmt":"2025-09-17T14:30:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51569"},"modified":"2025-10-30T16:20:14","modified_gmt":"2025-10-30T08:20:14","slug":"langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen","title":{"rendered":"Langkah Selamat Perbaharui Insurans Kereta Tanpa Ejen"},"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-69d45cbdac1f2\" 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-69d45cbdac1f2\"><\/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\/langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen\/#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\/langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen\/#Perbandingan_Ejen_vs_Tanpa_Ejen\" title=\"Perbandingan Ejen vs Tanpa Ejen\">Perbandingan Ejen vs Tanpa Ejen<\/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\/langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen\/#Langkah-Langkah_Renew_Tanpa_Ejen\" title=\"Langkah-Langkah Renew Tanpa Ejen\">Langkah-Langkah Renew Tanpa Ejen<\/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\/langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen\/#Platform_Rasmi_untuk_Renew_Insurans\" title=\"Platform Rasmi untuk Renew Insurans\">Platform Rasmi untuk Renew Insurans<\/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\/langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen\/#Tips_Elak_Penipuan\" title=\"Tips Elak Penipuan\">Tips Elak Penipuan<\/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\/langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen\/#Soalan_Lazim_FAQ\" title=\"Soalan Lazim (FAQ)\">Soalan Lazim (FAQ)<\/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\/langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen\/#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 nak jimat kos, salah satu cara paling senang ialah <strong>perbaharui insurans kereta tanpa ejen<\/strong>. Ramai yang ingat kena guna orang tengah, padahal sekarang semua boleh siap sendiri. Tak susah pun \u2014 semak info kereta, bandingkan polisi, bayar online dan terus dapat cover note. Cuma kena hati-hati, sebab ada jugak kes orang tertipu bila klik link pelik.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perbandingan_Ejen_vs_Tanpa_Ejen\"><\/span><strong>Perbandingan Ejen vs Tanpa Ejen<\/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>Perkara<\/strong><\/td><td><strong>Guna Ejen<\/strong><\/td><td><strong>Tanpa Ejen (DIY)<\/strong><\/td><\/tr><tr><td>Kos<\/td><td>Ada caj komisen tambahan<\/td><td>Bayar terus harga insurans<\/td><\/tr><tr><td>Proses<\/td><td>Ejen urus semua<\/td><td>Kena isi sendiri, tapi cepat<\/td><\/tr><tr><td>Kelajuan<\/td><td>Bergantung pada ejen<\/td><td>Serta-merta (online)<\/td><\/tr><tr><td>Kawalan<\/td><td>Terhad pada cadangan ejen<\/td><td>Bebas pilih pelan &amp; syarikat<\/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=\"Langkah-Langkah_Renew_Tanpa_Ejen\"><\/span><strong>Langkah-Langkah Renew Tanpa Ejen<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Semak Maklumat Kenderaan<\/strong><strong><br><\/strong> Double-check nombor plat, model kereta dan IC dalam sistem JPJ\/insurans. Kalau ada silap, nanti polisi sangkut.<br><\/li><li><strong>Bandingkan Harga Polisi<\/strong><strong><br><\/strong> Boleh guna Bjak untuk tengok sebut harga daripada banyak syarikat sekali gus. Senang pilih ikut bajet.<br><\/li><li><strong>Pilih Perlindungan Sesuai<\/strong><strong><br><\/strong><ul><li>Komprehensif (1st party) \u2192 cover lebih luas, termasuk towing percuma (VIP Rescue Bjak).<br><\/li><li>Third party \u2192 paling basic, cover kerosakan pihak lain sahaja.<br><\/li><\/ul><\/li><li><strong>Buat Pembayaran Selamat<\/strong><strong><br><\/strong> Bayar melalui portal rasmi je. Jangan gatal klik link iklan random, memang banyak scam sekarang.<br><\/li><li><strong>Terima Polisi &amp; Cover Note<\/strong><strong><br><\/strong> Biasanya keluar dalam email\/WhatsApp terus lepas bayar. Kalau ada isu rekod atau gap insurans, mungkin ambil masa sikit.<br><\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51602\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen\/attachment\/3-36-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-36.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=\"3-36\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-36.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-36.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\/09\/3-36.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik langkah selamat perbaharui insurans kereta tanpa ejen.\" class=\"wp-image-51602\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-36.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-36.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-36.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-36.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-36.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=\"Platform_Rasmi_untuk_Renew_Insurans\"><\/span><strong>Platform Rasmi untuk Renew Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>JPJ\/MyJPJ<\/strong> \u2192 Urusan direct dengan sistem kerajaan.<br><\/li><li><strong>MyEG<\/strong> \u2192 Portal online yang memang biasa orang guna.<br><\/li><li><strong>Pos Malaysia<\/strong> \u2192 Boleh renew insurans + roadtax terus kat kaunter.<br><\/li><li><strong>Bjak<\/strong> \u2192 Mudah untuk compare harga insurans dan boleh sekali renew roadtax (ada caj \u00b1RM10 kalau nak hantar roadtax fizikal).<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tips_Elak_Penipuan\"><\/span><strong>Tips Elak Penipuan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Pastikan URL website betul (https + domain rasmi).<br><\/li><li>Jangan share OTP atau nombor kad dengan orang lain.<br><\/li><li>Simpan resit + cover note dalam email atau WhatsApp.<br><\/li><li>Abaikan iklan pelik yang janji harga terlalu murah.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Soalan_Lazim_FAQ\"><\/span><strong>Soalan Lazim (FAQ)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. Selamat ke renew insurans tanpa ejen?<\/strong><strong><br><\/strong> Ya, selamat kalau guna platform rasmi macam JPJ\/MyJPJ, MyEG, Pos Malaysia atau Bjak.<\/p>\n\n\n\n<p><strong>2. Kalau renew online, kena pergi JPJ juga?<\/strong><strong><br><\/strong> Tak perlu. Semua boleh settle online, kecuali kalau ada masalah khas.<\/p>\n\n\n\n<p><strong>3. Guna Bjak ada caj tambahan ke?<\/strong><strong><br><\/strong> Kalau digital roadtax, tak ada caj. Caj cuma kalau nak delivery roadtax fizikal, sekitar RM10.<\/p>\n\n\n\n<p><strong>4. Lepas bayar, terus cover jalan ke?<\/strong><strong><br><\/strong> Biasanya ya. Tapi kalau ada isu data atau gap coverage, mungkin kena tunggu beberapa hari.<\/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>Pendek cerita, <strong>perbaharui insurans kereta tanpa ejen<\/strong> memang berbaloi. Bukan saja boleh cut kos, malah lebih cepat sebab tak perlu tunggu ejen buat kerja. Janji guna platform rasmi \u2014 JPJ\/MyJPJ, MyEG, Pos Malaysia, atau Bjak \u2014 confirm proses selamat dan dokumen sah terus sampai.<\/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=langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen\" 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\/proses-tuntutan-insurans-kereta-jika-berlaku-kemalangan-kecil\">Proses Tuntutan Insurans Kereta Jika Berlaku Kemalangan Kecil<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/7-sebab-kenapa-premium-insurans-kereta-anda-naik-tahun-ini\">7 Sebab Kenapa Premium Insurans Kereta Anda Naik Tahun Ini<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/what-is-comprehensive-car-insurance-coverage\">What Is Comprehensive Car Insurance Coverage?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pengenalan Kalau nak jimat kos, salah satu cara paling senang ialah perbaharui insurans kereta tanpa ejen. Ramai yang ingat kena guna orang tengah, padahal sekarang semua boleh siap sendiri. Tak susah pun \u2014 semak info kereta, bandingkan polisi, bayar online dan terus dapat cover note. Cuma kena hati-hati, sebab ada jugak kes orang tertipu bila&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Langkah Selamat Perbaharui Insurans Kereta Tanpa Ejen<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":51601,"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":[26,93,243,2391,2810],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Langkah Selamat Perbaharui Insurans Kereta Tanpa Ejen | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Langkah Selamat Perbaharui Insurans Kereta Tanpa Ejen Melalui JPJ,MyEG, Pos Malaysia &amp; Bjak.\" \/>\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\/langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Langkah Selamat Perbaharui Insurans Kereta Tanpa Ejen | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Langkah Selamat Perbaharui Insurans Kereta Tanpa Ejen Melalui JPJ,MyEG, Pos Malaysia &amp; Bjak.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen\" \/>\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=\"2025-09-17T14:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T08:20:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-36.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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