{"id":51589,"date":"2025-09-17T22:40:00","date_gmt":"2025-09-17T14:40:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51589"},"modified":"2025-10-30T15:43:29","modified_gmt":"2025-10-30T07:43:29","slug":"panduan-faham-terma-syarat-polisi-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-faham-terma-syarat-polisi-insurans-kereta","title":{"rendered":"Panduan Faham Terma &#038; Syarat Polisi Insurans Kereta"},"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-69d47270bd362\" 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-69d47270bd362\"><\/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-faham-terma-syarat-polisi-insurans-kereta\/#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-faham-terma-syarat-polisi-insurans-kereta\/#Kenapa_Penting_Faham_T_C\" title=\"Kenapa Penting Faham T&amp;C?\">Kenapa Penting Faham T&amp;C?<\/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-faham-terma-syarat-polisi-insurans-kereta\/#Terma_Umum_Yang_Selalu_Ada\" title=\"Terma Umum Yang Selalu Ada\">Terma Umum Yang Selalu Ada<\/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-faham-terma-syarat-polisi-insurans-kereta\/#Contoh_Situasi_Nyata\" title=\"Contoh Situasi Nyata\">Contoh Situasi Nyata<\/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-faham-terma-syarat-polisi-insurans-kereta\/#Tips_Membaca_Polisi_Dengan_Betul\" title=\"Tips Membaca Polisi Dengan Betul\">Tips Membaca Polisi Dengan Betul<\/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-faham-terma-syarat-polisi-insurans-kereta\/#FAQ\" title=\"FAQ\">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\/panduan-faham-terma-syarat-polisi-insurans-kereta\/#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>Ramai pemilik kereta cuma sign polisi insurans tanpa baca terma &amp; syarat. Bila tiba masa nak buat tuntutan, barulah pening sebab ada perkara yang tak dilindungi. Jadi penting sebenarnya kita <strong>faham terma &amp; syarat polisi insurans kereta<\/strong>, supaya tak salah faham dan tahu apa hak kita.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kenapa_Penting_Faham_T_C\"><\/span><strong>Kenapa Penting Faham T&amp;C?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Elak kejutan bila tuntutan ditolak.<br><\/li><li>Tahu apa yang perlu dibayar (deductible\/excess).<br><\/li><li>Faham tanggungjawab sendiri sebagai pemegang polisi.<br><\/li><li>Lebih yakin bila renew atau tukar perlindungan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Terma_Umum_Yang_Selalu_Ada\"><\/span><strong>Terma Umum Yang Selalu Ada<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Beberapa terma ni hampir confirm ada dalam setiap polisi:<\/p>\n\n\n\n<ol><li><strong>Premium &amp; Tempoh Perlindungan<\/strong><strong><br><\/strong> Berapa bayaran dan sampai bila polisi cover.<br><\/li><li><strong>NCD (No Claim Discount)<\/strong><strong><br><\/strong> Diskaun sebab tak pernah buat tuntutan.<br><\/li><li><strong>Deductible \/ Excess<\/strong><strong><br><\/strong> Jumlah yang kita kena bayar sendiri bila buat claim.<br><\/li><li><strong>Pengecualian<\/strong><strong><br><\/strong> Situasi yang tak dilindungi, contoh: bencana alam tertentu atau kereta digunakan untuk lumba.<br><\/li><li><strong>Tanggungjawab Pemilik<\/strong><strong><br><\/strong> Contoh: wajib maklumkan jika tukar alamat, pasang aksesori, atau pastikan roadtax\/insurans sentiasa aktif.<br><\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51611\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-faham-terma-syarat-polisi-insurans-kereta\/attachment\/3-39-3\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-39.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=\"3-39\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-39.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-39.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\/3-39.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik terma utama dalam polisi insurans kereta.\" class=\"wp-image-51611\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-39.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-39.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-39.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-39.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-39.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=\"Contoh_Situasi_Nyata\"><\/span><strong>Contoh Situasi Nyata<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Katakan anda pasang sport rim mahal tapi tak declare dekat insurans. Bila accident, tuntutan untuk rim tu mungkin ditolak. Situasi macam ni selalu jadi sebab kita tak perasan ada syarat macam tu dalam polisi.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tips_Membaca_Polisi_Dengan_Betul\"><\/span><strong>Tips Membaca Polisi Dengan Betul<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Baca ringkasan polisi (summary of cover).<br><\/li><li>Tanya terus pada syarikat insurans kalau ada benda tak faham.<br><\/li><li>Simpan salinan digital dalam email atau telefon untuk rujukan cepat.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ\"><\/span><strong>FAQ<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. Kalau tak faham sesuatu terma, apa perlu buat?<\/strong><strong><br><\/strong> Hubungi syarikat insurans atau rujuk laman rasmi mereka.<\/p>\n\n\n\n<p><strong>2. Adakah semua polisi ada syarat sama?<\/strong><strong><br><\/strong> Tidak. Ada beza ikut syarikat, jenis perlindungan, dan model kereta.<\/p>\n\n\n\n<p><strong>3. Kenapa penting declare aksesori kereta?<\/strong><strong><br><\/strong> Supaya bila rosak atau hilang, insurans boleh cover ikut nilai sebenar.<\/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>Kesimpulannya, <strong>faham terma &amp; syarat polisi insurans kereta<\/strong> bukan sekadar baca atas kertas. Ia bantu anda elak salah faham, tahu tanggungjawab sendiri, dan lebih bersedia bila nak buat tuntutan atau renew. Jangan malas baca \u2014 sebab satu klausa kecil pun boleh beri kesan besar pada claim anda nanti.<\/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-faham-terma--syarat-polisi-insurans-kereta\" 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\/kelebihan-memperbaharui-insurans-kereta-online-berbanding-kaunter\">Kelebihan Memperbaharui Insurans Kereta Online Banding Kaunter<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-kira-premium-insurans-kereta-mengikut-umur-model\">Cara Kira Premium Insurans Kereta Mengikut Umur &amp; Model<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-to-calculate-car-insurance-premium-by-age-model\">How to Calculate Car Insurance Premium by Age &amp; Model<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pengenalan Ramai pemilik kereta cuma sign polisi insurans tanpa baca terma &amp; syarat. Bila tiba masa nak buat tuntutan, barulah pening sebab ada perkara yang tak dilindungi. Jadi penting sebenarnya kita faham terma &amp; syarat polisi insurans kereta, supaya tak salah faham dan tahu apa hak kita. Kenapa Penting Faham T&amp;C? Elak kejutan bila tuntutan&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-faham-terma-syarat-polisi-insurans-kereta\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Panduan Faham Terma &#038; Syarat Polisi Insurans Kereta<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":51610,"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":[26,93,243,2816],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Panduan Faham Terma &amp; Syarat Polisi Insurans Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Panduan Faham Terma &amp; Syarat Polisi Insurans Kereta Untuk Elak Salah Faham Bila Tuntutan atau Pembaharuan.\" \/>\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-faham-terma-syarat-polisi-insurans-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Panduan Faham Terma &amp; Syarat Polisi Insurans Kereta | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Panduan Faham Terma &amp; Syarat Polisi Insurans Kereta Untuk Elak Salah Faham Bila Tuntutan atau Pembaharuan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-faham-terma-syarat-polisi-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=\"2025-09-17T14:40:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T07:43:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-39.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=\"2 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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