{"id":51665,"date":"2025-09-19T23:20:55","date_gmt":"2025-09-19T15:20:55","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51665"},"modified":"2025-10-30T15:42:59","modified_gmt":"2025-10-30T07:42:59","slug":"5-kesilapan-umum-ketika-memperbaharui-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/5-kesilapan-umum-ketika-memperbaharui-insurans-kereta","title":{"rendered":"5 Kesilapan Umum Ketika Memperbaharui Insurans Kereta"},"content":{"rendered":"\n<p>Ramai pemilik kereta ambil mudah bila tiba masa renew insurans. Asal boleh hidupkan roadtax, terus bayar tanpa semak detail. Tapi sebenarnya, ada beberapa <strong>kesilapan Memperbaharui insurans kereta<\/strong> yang boleh buat anda rugi \u2014 sama ada bayar lebih mahal, cover tak cukup, atau claim susah bila perlukan. Jom tengok 5 kesilapan paling kerap berlaku.<\/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-69d442b2e95d3\" 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-69d442b2e95d3\"><\/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\/5-kesilapan-umum-ketika-memperbaharui-insurans-kereta\/#1_Tak_Bandingkan_Sebelum_Beli\" title=\"1. Tak Bandingkan Sebelum Beli\">1. Tak Bandingkan Sebelum Beli<\/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\/5-kesilapan-umum-ketika-memperbaharui-insurans-kereta\/#2_Nilai_Sum_Insured_Tak_Tepat\" title=\"2. Nilai Sum Insured Tak Tepat\">2. Nilai Sum Insured Tak Tepat<\/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\/5-kesilapan-umum-ketika-memperbaharui-insurans-kereta\/#3_Abaikan_NCD_No_Claim_Discount\" title=\"3. Abaikan NCD (No Claim Discount)\">3. Abaikan NCD (No Claim Discount)<\/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\/5-kesilapan-umum-ketika-memperbaharui-insurans-kereta\/#4_Lupa_Tambah_Perlindungan_Tambahan\" title=\"4. Lupa Tambah Perlindungan Tambahan\">4. Lupa Tambah Perlindungan Tambahan<\/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\/5-kesilapan-umum-ketika-memperbaharui-insurans-kereta\/#5_Renew_Last_Minute\" title=\"5. Renew Last Minute\">5. Renew Last Minute<\/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\/5-kesilapan-umum-ketika-memperbaharui-insurans-kereta\/#Perbandingan_Renew_Bijak_vs_Kesilapan_Biasa\" title=\"Perbandingan: Renew Bijak vs Kesilapan Biasa\">Perbandingan: Renew Bijak vs Kesilapan Biasa<\/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\/5-kesilapan-umum-ketika-memperbaharui-insurans-kereta\/#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-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-kesilapan-umum-ketika-memperbaharui-insurans-kereta\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-medium-font-size\"><span class=\"ez-toc-section\" id=\"1_Tak_Bandingkan_Sebelum_Beli\"><\/span><strong>1. Tak Bandingkan Sebelum Beli<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ramai terus renew dengan syarikat lama sebab malas nak survey. Sedangkan, harga premium boleh beza ratusan ringgit antara syarikat. Sekarang boleh banding terus online (JPJ\/MyJPJ, MyEG, Pos Malaysia, Bjak).<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2 class=\"has-medium-font-size\"><span class=\"ez-toc-section\" id=\"2_Nilai_Sum_Insured_Tak_Tepat\"><\/span><strong>2. Nilai Sum Insured Tak Tepat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ada yang under-insured (nilai terlalu rendah), ada juga over-insured (terlalu tinggi). Kedua-duanya rugi sebab pampasan tak ikut nilai sebenar kereta.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2 class=\"has-medium-font-size\"><span class=\"ez-toc-section\" id=\"3_Abaikan_NCD_No_Claim_Discount\"><\/span><strong>3. Abaikan NCD (No Claim Discount)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD ialah diskaun setia kalau bertahun tak pernah claim. Ada kes orang tak perasan, tak tuntut NCD, dan bayar premium lebih mahal.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2 class=\"has-medium-font-size\"><span class=\"ez-toc-section\" id=\"4_Lupa_Tambah_Perlindungan_Tambahan\"><\/span><strong>4. Lupa Tambah Perlindungan Tambahan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Contoh: <em>special perils<\/em> (banjir), <em>windscreen cover<\/em>, atau roadside assistance. Bila dah kena, baru menyesal sebab tak ambil add-on.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2 class=\"has-medium-font-size\"><span class=\"ez-toc-section\" id=\"5_Renew_Last_Minute\"><\/span><strong>5. Renew Last Minute<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ramai tunggu roadtax nak mati baru renew. Risiko: sistem delay, maklumat tak padan, atau polisi lambat keluar. Lebih baik renew awal seminggu-dua.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perbandingan_Renew_Bijak_vs_Kesilapan_Biasa\"><\/span><strong>Perbandingan: Renew Bijak vs Kesilapan Biasa<\/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>Situasi<\/strong><\/td><td><strong>Apa Jadi<\/strong><\/td><td><strong>Kesan<\/strong><\/td><\/tr><tr><td><strong>Banding harga<\/strong><\/td><td>Jumpa premium lebih murah<\/td><td>Jimat RM ratusan<\/td><\/tr><tr><td><strong>Tak semak sum insured<\/strong><\/td><td>Nilai tak tepat<\/td><td>Pampasan tak mencukupi<\/td><\/tr><tr><td><strong>Claim NCD<\/strong><\/td><td>Dapat diskaun hingga 55%<\/td><td>Premium jauh lebih rendah<\/td><\/tr><tr><td><strong>Tambah perlindungan<\/strong><\/td><td>Cover lengkap ikut risiko<\/td><td>Lebih tenang bila kecemasan<\/td><\/tr><tr><td><strong>Renew awal<\/strong><\/td><td>Polisi lancar, roadtax senang urus<\/td><td>Elak stress &amp; delay<\/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=\"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 renew lambat, ada penalti?<\/strong><strong><br><\/strong> Kalau roadtax dah mati, anda tak boleh guna kereta di jalan raya. Penalti boleh dikenakan jika ditahan JPJ.<\/p>\n\n\n\n<p><strong>2. Macam mana nak tahu jumlah NCD saya?<\/strong><strong><br><\/strong> Boleh semak online melalui Bjak atau terus dengan syarikat insurans.<\/p>\n\n\n\n<p><strong>3. Wajib ke tambah special perils?<\/strong><strong><br><\/strong> Tak wajib, tapi sangat digalakkan terutama kawasan banjir.<\/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>Renew insurans kereta bukan sekadar bayar premium. Silap kecil boleh bagi kesan besar bila tiba masa nak claim. Dengan elak <strong>kesilapan Memperbaharui insurans kereta<\/strong> ini, anda boleh jimat duit, dapat perlindungan lebih baik, dan proses lebih lancar.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51682\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-kesilapan-umum-ketika-memperbaharui-insurans-kereta\/attachment\/3-43-3\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-43.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" 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=\"3-43\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-43.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-43.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\/3-43.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik 5 kesilapan umum semasa memperbaharui insurans kereta\" class=\"wp-image-51682\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-43.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-43.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-43.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-43.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-43.jpg?w=1708&amp;ssl=1 1708w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" 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=5-kesilapan-umum-ketika-memperbaharui-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\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\">Cara Semak NCD (No Claim Discount) Sebelum Perbaharui Insurans Kereta<\/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\/bagaimana-insurans-kereta-online-memudahkan-bayaran-ansuran\">Bagaimana Insurans Kereta Online Memudahkan Bayaran Ansuran<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemilik kereta ambil mudah bila tiba masa renew insurans. Asal boleh hidupkan roadtax, terus bayar tanpa semak detail. Tapi sebenarnya, ada beberapa kesilapan Memperbaharui insurans kereta yang boleh buat anda rugi \u2014 sama ada bayar lebih mahal, cover tak cukup, atau claim susah bila perlukan. Jom tengok 5 kesilapan paling kerap berlaku. 1. Tak&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-kesilapan-umum-ketika-memperbaharui-insurans-kereta\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">5 Kesilapan Umum Ketika Memperbaharui Insurans Kereta<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":51681,"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":[26,93,243,2782,2391],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Kesilapan Umum Ketika Memperbaharui Insurans Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: 5 Kesilapan Umum Ketika Memperbaharui Insurans Kereta &amp; Cara Mudah Untuk Elak Kesilapan Renew Insurans Kereta.\" \/>\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\/5-kesilapan-umum-ketika-memperbaharui-insurans-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Kesilapan Umum Ketika Memperbaharui Insurans Kereta | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: 5 Kesilapan Umum Ketika Memperbaharui Insurans Kereta &amp; Cara Mudah Untuk Elak Kesilapan Renew Insurans Kereta.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-kesilapan-umum-ketika-memperbaharui-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=\"2025-09-19T15:20:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T07:42:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-42.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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