{"id":51712,"date":"2025-09-20T19:19:52","date_gmt":"2025-09-20T11:19:52","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51712"},"modified":"2025-10-30T15:33:19","modified_gmt":"2025-10-30T07:33:19","slug":"cara-mengira-nilai-pasaran-kereta-sebelum-memilih-jumlah-perlindungan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-mengira-nilai-pasaran-kereta-sebelum-memilih-jumlah-perlindungan","title":{"rendered":"Mengira Nilai Pasaran Kereta Sebelum Memilih Perlindungan"},"content":{"rendered":"\n<p>Ramai pemilik kereta renew insurans ikut suka atau sekadar ikut tahun lepas. Hakikatnya, <strong>mengira nilai pasaran kereta<\/strong> sebelum pilih jumlah perlindungan sangat penting. Kalau terlebih insurans (over-insured), anda bayar premium lebih tinggi tanpa faedah tambahan. Kalau kurang insurans (under-insured), anda pula tanggung rugi besar bila buat tuntutan. Jadi, bagaimana nak kira nilai sebenar dengan betul?<\/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-69d45d0ca5ea0\" 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-69d45d0ca5ea0\"><\/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-mengira-nilai-pasaran-kereta-sebelum-memilih-jumlah-perlindungan\/#Kenapa_Nilai_Pasaran_Penting\" title=\"Kenapa Nilai Pasaran Penting?\">Kenapa Nilai Pasaran Penting?<\/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-mengira-nilai-pasaran-kereta-sebelum-memilih-jumlah-perlindungan\/#Apa_Itu_Nilai_Pasaran_Kereta\" title=\"Apa Itu Nilai Pasaran Kereta?\">Apa Itu Nilai Pasaran Kereta?<\/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-mengira-nilai-pasaran-kereta-sebelum-memilih-jumlah-perlindungan\/#Langkah_Mengira_Nilai_Pasaran\" title=\"Langkah Mengira Nilai Pasaran\">Langkah Mengira Nilai Pasaran<\/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-mengira-nilai-pasaran-kereta-sebelum-memilih-jumlah-perlindungan\/#Contoh_Kiraan_Premium\" title=\"Contoh Kiraan Premium\">Contoh Kiraan Premium<\/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-mengira-nilai-pasaran-kereta-sebelum-memilih-jumlah-perlindungan\/#Perbandingan_Over-Insured_vs_Under-Insured\" title=\"Perbandingan Over-Insured vs Under-Insured\">Perbandingan Over-Insured vs Under-Insured<\/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\/cara-mengira-nilai-pasaran-kereta-sebelum-memilih-jumlah-perlindungan\/#Tips_Memilih_Jumlah_Perlindungan_Tepat\" title=\"Tips Memilih Jumlah Perlindungan Tepat\">Tips Memilih Jumlah Perlindungan Tepat<\/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\/cara-mengira-nilai-pasaran-kereta-sebelum-memilih-jumlah-perlindungan\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Kenapa_Nilai_Pasaran_Penting\"><\/span>Kenapa Nilai Pasaran Penting?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Nilai pasaran menentukan berapa banyak anda akan dapat jika kereta rosak teruk atau dicuri. Syarikat insurans tidak akan bayar lebih daripada nilai pasaran, walaupun anda pilih jumlah perlindungan lebih tinggi. Contoh mudah: kalau nilai pasaran RM40,000 tetapi anda insured RM50,000, pampasan maksimum tetap RM40,000. Bezanya, anda sudah bayar premium lebih mahal tanpa sebab.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_Nilai_Pasaran_Kereta\"><\/span>Apa Itu Nilai Pasaran Kereta?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Nilai pasaran merujuk kepada harga semasa kereta anda jika dijual di pasaran terbuka. Ia berubah mengikut umur kereta, jenama, model, keadaan fizikal, serta rekod servis.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Langkah_Mengira_Nilai_Pasaran\"><\/span>Langkah Mengira Nilai Pasaran<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Rujuk Panduan JPJ atau PIAM<\/strong> \u2013 Ada jadual anggaran nilai kereta ikut tahun.<\/li><li><strong>Semak di Platform Online<\/strong> \u2013 MyEG, Bjak, atau laman insurans tunjuk anggaran nilai bila anda key-in maklumat kereta.<\/li><li><strong>Lihat Harga Jualan Semasa<\/strong> \u2013 Cari di Mudah.my atau Carlist untuk tahu harga pasaran model sama.<\/li><li><strong>Ambil Kira Keadaan Kereta<\/strong> \u2013 Mileage rendah, aksesori tambahan atau kereta dijaga rapi boleh naikkan nilai.<\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Contoh_Kiraan_Premium\"><\/span>Contoh Kiraan Premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Nilai pasaran kereta anda RM40,000 dan kadar premium 2.5%, anggaran premium asas = <strong>RM1,000<\/strong>.<\/p>\n\n\n\n<ul><li>Jika insured RM50,000 \u2192 premium = RM1,250 (lebih mahal, pampasan tetap RM40,000).<\/li><li>Jika insured RM30,000 \u2192 premium = RM750 (murah, tapi pampasan kurang bila claim).<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perbandingan_Over-Insured_vs_Under-Insured\"><\/span>Perbandingan Over-Insured vs Under-Insured<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\"><thead><tr><th>Situasi<\/th><th>Nilai Pasaran<\/th><th>Jumlah Perlindungan<\/th><th>Kesan<\/th><\/tr><\/thead><tbody><tr><td>Over-Insured<\/td><td>RM40,000<\/td><td>RM50,000<\/td><td>Premium lebih mahal, pampasan ikut RM40,000<\/td><\/tr><tr><td>Under-Insured<\/td><td>RM40,000<\/td><td>RM30,000<\/td><td>Pampasan kurang, hanya dibayar ikut nisbah<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51737\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-mengira-nilai-pasaran-kereta-sebelum-memilih-jumlah-perlindungan\/attachment\/3-48-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-48.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=\"3-48\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-48.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-48.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\/3-48.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan beza over-insured dan under-insured dalam insurans kereta.\" class=\"wp-image-51737\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-48.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-48.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-48.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-48.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-48.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=\"Tips_Memilih_Jumlah_Perlindungan_Tepat\"><\/span>Tips Memilih Jumlah Perlindungan Tepat<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Pilih dalam julat <strong>90%\u2013100% nilai pasaran<\/strong>.<\/li><li>Jangan terlalu rendah hanya sebab nak jimat premium.<\/li><li>Banding beberapa platform sebelum setuju.<\/li><li>Semak semula setiap tahun kerana nilai kereta turun.<\/li><li>Jika ragu, dapatkan nasihat agen atau terus semak dengan insurans.<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span>Kesimpulan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ringkasnya, <strong>mengira nilai pasaran kereta<\/strong> sebelum pilih jumlah perlindungan akan elak anda rugi dua kali \u2014 premium tinggi atau pampasan rendah. Ambil masa beberapa minit buat semakan, anda akan lebih tenang bila renew insurans 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=cara-mengira-nilai-pasaran-kereta-sebelum-memilih-jumlah-perlindungan\" 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-pindahkan-polisi-insurans-kereta-bila-jual-kenderaan\">Cara Pindahkan Polisi Insurans Kereta Bila Jual Kenderaan<\/a><\/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","protected":false},"excerpt":{"rendered":"<p>Ramai pemilik kereta renew insurans ikut suka atau sekadar ikut tahun lepas. Hakikatnya, mengira nilai pasaran kereta sebelum pilih jumlah perlindungan sangat penting. Kalau terlebih insurans (over-insured), anda bayar premium lebih tinggi tanpa faedah tambahan. Kalau kurang insurans (under-insured), anda pula tanggung rugi besar bila buat tuntutan. Jadi, bagaimana nak kira nilai sebenar dengan betul?&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-mengira-nilai-pasaran-kereta-sebelum-memilih-jumlah-perlindungan\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Mengira Nilai Pasaran Kereta Sebelum Memilih Perlindungan<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":51736,"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":[26,93,243,2834,2835],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mengira Nilai Pasaran Kereta Sebelum Memilih Perlindungan | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Mengira Nilai Pasaran Kereta Sebelum Memilih Perlindungan. 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