{"id":51983,"date":"2025-09-26T23:32:38","date_gmt":"2025-09-26T15:32:38","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51983"},"modified":"2025-10-30T15:30:43","modified_gmt":"2025-10-30T07:30:43","slug":"perbezaan-insurans-kereta-pihak-ketiga-dan-komprehensif","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/perbezaan-insurans-kereta-pihak-ketiga-dan-komprehensif","title":{"rendered":"Perbezaan Insurans Kereta Pihak Ketiga dan Komprehensif"},"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-6a09bac998d1e\" 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-6a09bac998d1e\"><\/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\/perbezaan-insurans-kereta-pihak-ketiga-dan-komprehensif\/#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\/perbezaan-insurans-kereta-pihak-ketiga-dan-komprehensif\/#Kos_Julat_Premium\" title=\"Kos &amp; Julat Premium\">Kos &amp; Julat Premium<\/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\/perbezaan-insurans-kereta-pihak-ketiga-dan-komprehensif\/#Salah_Faham_Biasa\" title=\"Salah Faham Biasa\">Salah Faham Biasa<\/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\/perbezaan-insurans-kereta-pihak-ketiga-dan-komprehensif\/#Kelebihan_Kekurangan\" title=\"Kelebihan &amp; Kekurangan\">Kelebihan &amp; Kekurangan<\/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\/perbezaan-insurans-kereta-pihak-ketiga-dan-komprehensif\/#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>Kebanyakan pemandu ragu-ragu bila masa untuk renew insurans kereta &amp; masalah yang hadap lebih kurang sama sahaja, \u201c Third Party atau Komprehensif?\u201d. Bagi kedua-dua jenis perlindungan ada kelebihan &amp; kekurangan yang bermanfaat pada setiap individu. Artikel ini akan bantu degan menerangkan <strong>perbezaan insurans kereta pihak ketiga &amp; komprehensif <\/strong>itu supaya anda sebagai pemegang polisi jelas dengan insurans apa yang dibeli<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kos_Julat_Premium\"><\/span><strong>Kos &amp; Julat Premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jenis perlindungan 3rd party paling murah, dalam lingkaran RM 300 &#8211; RM 600 setiap pembaharuan. Tetapi ia tetap bergantung pada jenis,model &amp; nilai kenderaan pada masa tersebut. Selain daripada itu, perlindungan dia sangat minima kerana haya melindungi hadap kerosakan yang dialami pihak lain sahaja. Jika ada buat kerosakan pada kereta sendiri&nbsp; kena tanggung sendiri<\/p>\n\n\n\n<p>Seterusnya, kami ada jenis perlindungan komprehensif bagi kereta baru dengan harga boleh mencecah RM 1000 ke atas bergantung pada model, brand &amp; nilai. Walaupun lebih mahal, ia melindungi kereta anda sendiri dan juga pihak ketiga \u2014 yang boleh menjimatkan ribuan ringgit jika berlaku kemalangan besar atau bencana.<\/p>\n\n\n\n<p><strong>Contoh:<\/strong> Jika kereta bernilai RM60,000 rosak teruk akibat banjir, pemilik polisi pihak ketiga tidak boleh tuntut pampasan. Kos baik pulih mungkin sekitar RM20,000. Dengan polisi komprehensif, kerugian ini ditanggung insurans.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Salah_Faham_Biasa\"><\/span><strong>Salah Faham Biasa<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>\u201cPihak ketiga sentiasa lebih bijak untuk kereta lama.\u201d<\/strong><strong><br><\/strong> \u2192 Tidak semestinya. Kalau kereta masih ada nilai pasaran yang tinggi atau anda tinggal di kawasan berisiko banjir\/kecurian, insurans komprehensif lebih selamat.<br><\/li><li><strong>\u201cKomprehensif terlalu mahal.\u201d<\/strong><strong><br><\/strong> \u2192 Sebenarnya, premium boleh diurus. Anda boleh guna NCD, bandingkan harga antara panel melalui Bjak, atau pilih hanya add-on yang betul-betul diperlukan.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kelebihan_Kekurangan\"><\/span><strong>Kelebihan &amp; Kekurangan<\/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>Kelebihan<\/strong><\/td><td><strong>Kekurangan<\/strong><\/td><\/tr><tr><td><strong>Pihak Ketiga<\/strong><\/td><td>Premium lebih rendah, sesuai untuk kereta lama bernilai rendah, proses pembaharuan ringkas<\/td><td>Tiada perlindungan untuk kereta sendiri, risiko kewangan besar jika berlaku kerosakan\/banjir\/kecurian<\/td><\/tr><tr><td><strong>Komprehensif<\/strong><\/td><td>Melindungi kereta anda &amp; pihak ketiga, termasuk kemalangan, kecurian, kebakaran, bencana<\/td><td>Premium lebih tinggi, sesetengah add-on perlindungan perlu dibeli berasingan<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"52026\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perbezaan-insurans-kereta-pihak-ketiga-dan-komprehensif\/attachment\/3-69\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-69.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=\"3-69\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-69.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-69.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-69.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik perbandingan insurans pihak ketiga dan komprehensif dengan ikon kereta lama dan kereta baru.\" class=\"wp-image-52026\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-69.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-69.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-69.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-69.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-69.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=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pilihan antara pihak ketiga dan komprehensif bergantung kepada keadaan kereta dan keperluan anda. Fahami <strong>perbezaan insurans kereta pihak ketiga dan komprehensif<\/strong> supaya anda dapat membuat keputusan yang lebih tepat. Dengan Bjak, anda boleh bandingkan pelbagai panel insurans secara mudah dan pilih polisi yang sesuai dengan bajet serta gaya hidup anda.<\/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=perbezaan-insurans-kereta-pihak-ketiga-dan-komprehensif\" 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\/pilihan-pemandu-muda-malaysia-untuk-insurans-kereta\">Pilihan Pemandu Muda Malaysia untuk Insurans Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/bjak-bantu-bandingkan-insurans-kereta-secara-pantas\">BJAK Bantu Bandingkan Insurans Kereta Secara Pantas<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-terbaik-malaysia-2025\">Insurans Kereta Terbaik Malaysia 2025<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Memilih antara pihak ketiga dan komprehensif bukan sekadar soal harga. Fahami perbezaannya dari segi kos, perlindungan, serta risiko sebenar supaya anda boleh tentukan pilihan paling sesuai untuk kereta anda.<\/p>\n","protected":false},"author":31,"featured_media":52025,"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":[243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Perbezaan Insurans Kereta Pihak Ketiga dan Komprehensif | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Perbezaan Insurans Kereta Pihak Ketiga dan Komprehensif. 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