{"id":51654,"date":"2025-09-19T20:38:43","date_gmt":"2025-09-19T12:38:43","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51654"},"modified":"2025-10-30T15:43:07","modified_gmt":"2025-10-30T07:43:07","slug":"perlindungan-insurans-kereta-daripada-banjir","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/perlindungan-insurans-kereta-daripada-banjir","title":{"rendered":"Perlindungan Insurans Kereta Daripada Banjir"},"content":{"rendered":"\n<p>Musim hujan atau tiba-tiba \u201cbanjir kilat\u201d kat bandar \u2014 ini antara nightmare terbesar pemilik kereta. Air boleh naik sekelip mata dan rosakkan enjin, wiring, sampai interior kereta. Kos baiki? Boleh cecah ribuan ringgit. Tapi soalan penting: cukup ke insurans anda atau patut tambah <strong>Insurans kereta daripada banjir<\/strong> supaya kereta betul-betul terlindung?<\/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-69d46e820baf9\" 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-69d46e820baf9\"><\/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\/perlindungan-insurans-kereta-daripada-banjir\/#Adakah_Semua_Polisi_Insurans_Cover_Banjir\" title=\"Adakah Semua Polisi Insurans Cover Banjir?\">Adakah Semua Polisi Insurans Cover Banjir?<\/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\/perlindungan-insurans-kereta-daripada-banjir\/#Apa_Itu_Special_Perils_Coverage\" title=\"Apa Itu Special Perils Coverage?\">Apa Itu Special Perils Coverage?<\/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\/perlindungan-insurans-kereta-daripada-banjir\/#Kos_Tambahan_Perlindungan_Banjir\" title=\"Kos Tambahan Perlindungan Banjir\">Kos Tambahan Perlindungan Banjir<\/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\/perlindungan-insurans-kereta-daripada-banjir\/#Perbandingan_Polisi_Standard_vs_Dengan_Special_Perils\" title=\"Perbandingan Polisi: Standard vs Dengan Special Perils\">Perbandingan Polisi: Standard vs Dengan Special Perils<\/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\/perlindungan-insurans-kereta-daripada-banjir\/#Cara_Buat_Tuntutan_Kerosakan_Banjir\" title=\"Cara Buat Tuntutan Kerosakan Banjir\">Cara Buat Tuntutan Kerosakan Banjir<\/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\/perlindungan-insurans-kereta-daripada-banjir\/#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\/perlindungan-insurans-kereta-daripada-banjir\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Adakah_Semua_Polisi_Insurans_Cover_Banjir\"><\/span><strong>Adakah Semua Polisi Insurans Cover Banjir?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jawapannya: <strong>tidak<\/strong>. Perlindungan standard <em>komprehensif<\/em> biasanya tidak automatik cover banjir. Untuk dapatkan perlindungan banjir, pemilik kereta kena tambah <em>special perils coverage<\/em>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_Special_Perils_Coverage\"><\/span><strong>Apa Itu Special Perils Coverage?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Special perils ialah perlindungan tambahan yang meliputi:<\/p>\n\n\n\n<ul><li> <strong>Banjir<\/strong> \u2013 Termasuk banjir kilat &amp; limpahan sungai.<br><\/li><li> <strong>Ribut &amp; taufan<\/strong> \u2013 Kerosakan akibat angin kuat \/ pokok tumbang.<br><\/li><li> <strong>Tanah runtuh &amp; gempa bumi<\/strong> \u2013 Walaupun jarang berlaku.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kos_Tambahan_Perlindungan_Banjir\"><\/span><strong>Kos Tambahan Perlindungan Banjir<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Premium tambahan untuk special perils biasanya sekitar <strong>0.2% \u2013 0.5%<\/strong> daripada nilai diinsuranskan (sum insured). Contoh:<\/p>\n\n\n\n<ul><li>Nilai kereta RM30,000 \u2192 Caj tambahan \u00b1 RM60 \u2013 RM150 setahun.<br><\/li><li>Nilai kereta RM60,000 \u2192 Caj tambahan \u00b1 RM120 \u2013 RM300 setahun.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perbandingan_Polisi_Standard_vs_Dengan_Special_Perils\"><\/span><strong>Perbandingan Polisi: Standard vs Dengan Special Perils<\/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 Polisi<\/strong><\/td><td><strong>Cover<\/strong><\/td><td><strong>Banjir Termasuk?<\/strong><\/td><td><strong>Kos Premium<\/strong><\/td><\/tr><tr><td><strong>Komprehensif (Standard)<\/strong><\/td><td>Kerosakan kemalangan, curi, kebakaran<\/td><td> Tidak<\/td><td>Premium asas<\/td><\/tr><tr><td><strong>Komprehensif + Special Perils<\/strong><\/td><td>Semua di atas + banjir, ribut, tanah runtuh<\/td><td> Ya<\/td><td>Premium asas + caj tambahan<\/td><\/tr><tr><td><strong>Third Party Only<\/strong><\/td><td>Liabiliti pihak ketiga sahaja<\/td><td> Tidak<\/td><td>Termurah<\/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=\"Cara_Buat_Tuntutan_Kerosakan_Banjir\"><\/span><strong>Cara Buat Tuntutan Kerosakan Banjir<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li> <strong>Ambil Gambar<\/strong> \u2013 Bukti kerosakan kereta &amp; situasi banjir.<br><\/li><li> <strong>Hubungi Insurans<\/strong> \u2013 Laporkan kerosakan segera.<br><\/li><li> <strong>Hantar Ke Bengkel Panel<\/strong> \u2013 Insurans hanya lulus tuntutan melalui bengkel panel sah.<br><\/li><li> <strong>Isi Borang Tuntutan<\/strong> \u2013 Sertakan laporan &amp; dokumen sokongan.<br><\/li><li> <strong>Tunggu Kelulusan<\/strong> \u2013 Insurer akan nilai &amp; proses bayaran.<br><\/li><\/ol>\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. Kalau saya ada polisi komprehensif biasa, adakah kerosakan banjir dilindungi?<\/strong><strong><br><\/strong> Tidak, melainkan anda tambah special perils.<\/p>\n\n\n\n<p><strong>2. Adakah semua kereta layak tambah special perils?<\/strong><strong><br><\/strong> Ya, kebanyakan syarikat insurans tawarkan, tapi premium ikut nilai kereta.<\/p>\n\n\n\n<p><strong>3. Boleh buat tuntutan jika kereta rosak total akibat banjir?<\/strong><strong><br><\/strong> Boleh, jika ada perlindungan special perils. Bayaran pampasan ikut nilai pasaran \/ sum insured.<\/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>Banjir memang boleh jadi mimpi ngeri bila melibatkan kereta. Tanpa <strong>Insurans kereta daripada banjir<\/strong>, semua kos repair kena tanggung sendiri. Walaupun caj tambahan nampak kecil, ia boleh jadi penyelamat besar bila malang menimpa. Jangan tunggu kereta dah tenggelam baru nak tahu \u2014 semak polisi anda sekarang.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-43.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik insurans kereta perlindungan banjir melalui special perils coverage\n\" class=\"wp-image-51657\" data-recalc-dims=\"1\"\/><\/figure>\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=perlindungan-insurans-kereta-daripada-banjir\" 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-insurans-kereta-online-untuk-perjalanan-jauh\">Kelebihan Insurans Kereta Online untuk Perjalanan Jauh<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/langkah-selamat-perbaharui-insurans-kereta-tanpa-ejen\">Langkah Selamat Perbaharui Insurans Kereta Tanpa Ejen<\/a><\/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","protected":false},"excerpt":{"rendered":"<p>Musim hujan atau tiba-tiba \u201cbanjir kilat\u201d kat bandar \u2014 ini antara nightmare terbesar pemilik kereta. Air boleh naik sekelip mata dan rosakkan enjin, wiring, sampai interior kereta. Kos baiki? Boleh cecah ribuan ringgit. Tapi soalan penting: cukup ke insurans anda atau patut tambah Insurans kereta daripada banjir supaya kereta betul-betul terlindung? Adakah Semua Polisi Insurans&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perlindungan-insurans-kereta-daripada-banjir\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Perlindungan Insurans Kereta Daripada Banjir<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":51656,"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":[26,2762,93,2824],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Perlindungan Insurans Kereta Daripada Banjir | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Perlindungan Insurans Kereta Daripada Banjir. 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