{"id":51595,"date":"2025-09-17T22:40:00","date_gmt":"2025-09-17T14:40:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51595"},"modified":"2025-10-30T15:43:34","modified_gmt":"2025-10-30T07:43:34","slug":"cara-selamat-kurangkan-premium-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-selamat-kurangkan-premium-insurans-kereta","title":{"rendered":"Cara Selamat Kurangkan Premium 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-69d472706e0dc\" 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-69d472706e0dc\"><\/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\/cara-selamat-kurangkan-premium-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\/cara-selamat-kurangkan-premium-insurans-kereta\/#Petua_Mengurangkan_Premium_Insurans\" title=\"Petua Mengurangkan Premium Insurans\">Petua Mengurangkan Premium Insurans<\/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\/cara-selamat-kurangkan-premium-insurans-kereta\/#Contoh_Situasi\" title=\"Contoh Situasi\">Contoh Situasi<\/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\/cara-selamat-kurangkan-premium-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-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-selamat-kurangkan-premium-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 nak jimat tapi tak semua tahu cara yang betul. Ada yang cuba potong perlindungan sampai tak cukup cover, akhirnya rugi bila accident. Sebenarnya ada cara <strong>kurangkan premium insurans kereta dengan selamat<\/strong> tanpa menjejaskan perlindungan asas.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Petua_Mengurangkan_Premium_Insurans\"><\/span><strong>Petua Mengurangkan Premium Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Manfaatkan NCD (No Claim Discount)<\/strong><strong><br><\/strong> Lagi lama tak buat claim, lagi tinggi diskaun. Pastikan rekod claim anda bersih.<br><\/li><li><strong>Pilih Perlindungan Ikut Kegunaan<\/strong><strong><br><\/strong> Kalau kereta lama dan jarang dipandu jauh, boleh pertimbangkan polisi third party. Tapi kalau kereta masih bernilai tinggi, lebih baik kekal dengan comprehensive.<br><\/li><li><strong>Bandingkan Harga Secara Online<\/strong><strong><br><\/strong> Gunakan platform sah seperti MyEG, Pos Malaysia, Bjak, atau MyJPJ untuk banding sebut harga.<br><\/li><li><strong>Tambah Penggunaan Security Device<\/strong><strong><br><\/strong> Insurans suka kereta yang lebih selamat. Contoh pasang alarm tambahan atau GPS tracker boleh beri potongan premium.<br><\/li><li><strong>Elak Aksesori Tidak Diperlukan<\/strong><strong><br><\/strong> Jangan declare aksesori kecil yang tak penting. Semakin banyak anda declare, semakin tinggi premium.<br><\/li><li><strong>Renew Awal<\/strong><strong><br><\/strong> Elak \u201cgap in cover\u201d. Bila renew tepat masa, anda kekalkan NCD dan kurangkan risiko cas tambahan.<br><\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51614\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-selamat-kurangkan-premium-insurans-kereta\/attachment\/3-40-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-40.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=\"3-40\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-40.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-40.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\/09\/3-40.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik cara selamat kurangkan premium insurans kereta.\n\n\n\" class=\"wp-image-51614\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-40.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-40.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-40.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-40.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-40.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\"><\/span><strong>Contoh Situasi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ali tak pernah claim selama 5 tahun \u2192 NCD dia dah 55%. Bila renew, premium dia turun hampir separuh. Banding dengan Amir yang kerap buat claim kecil \u2014 NCD hilang, premium kekal tinggi.<\/p>\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. Boleh ke kurangkan premium dengan potong perlindungan?<\/strong><strong><br><\/strong> Boleh, tapi jangan keterlaluan. Pastikan masih ada cover asas minimum.<\/p>\n\n\n\n<p><strong>2. Adakah semua syarikat beri diskaun sama?<\/strong><strong><br><\/strong> Tidak. Sebab tu penting bandingkan sebut harga.<\/p>\n\n\n\n<p><strong>3. Apa jadi kalau tak renew tepat masa?<\/strong><strong><br><\/strong> Anda boleh hilang NCD dan mungkin kena bayar lebih.<\/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>Ringkasnya, ada banyak cara <strong>kurangkan premium insurans kereta dengan selamat<\/strong> tanpa perlu ambil risiko. Manfaatkan NCD, pilih perlindungan yang sesuai, banding harga secara online, dan jangan lupa renew awal. Bila bijak urus polisi, anda bukan saja jimat duit tapi juga kekal dilindungi dengan baik<\/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=cara-selamat-kurangkan-premium-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\/platform-banding-insurans-kereta-malaysia-analisis-perbandingan\">Analisis Platform Insuran Kereta Malaysia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/awas-penipuan-roadtax-digital-murah-di-malaysia\">Awas! Penipuan Roadtax Digital Murah di Malaysia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax-vs-insurans-boleh-ke-renew-asing\">Roadtax vs Insurans: Boleh ke renew asing?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pengenalan Ramai pemilik kereta nak jimat tapi tak semua tahu cara yang betul. Ada yang cuba potong perlindungan sampai tak cukup cover, akhirnya rugi bila accident. Sebenarnya ada cara kurangkan premium insurans kereta dengan selamat tanpa menjejaskan perlindungan asas. Petua Mengurangkan Premium Insurans Manfaatkan NCD (No Claim Discount) Lagi lama tak buat claim, lagi tinggi&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-selamat-kurangkan-premium-insurans-kereta\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Cara Selamat Kurangkan Premium Insurans Kereta<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":51613,"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":[26,93,243,2818],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cara Selamat Kurangkan Premium Insurans Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Cara Selamat Kurangkan Premium Insurans Kereta Dengan Petua Sah &amp; Selamat Untuk Jimat Kos Perlindungan.\" \/>\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\/cara-selamat-kurangkan-premium-insurans-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cara Selamat Kurangkan Premium Insurans Kereta | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Cara Selamat Kurangkan Premium Insurans Kereta Dengan Petua Sah &amp; Selamat Untuk Jimat Kos Perlindungan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-selamat-kurangkan-premium-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=\"2025-10-30T07:43:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-40.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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