{"id":52186,"date":"2025-09-30T23:59:48","date_gmt":"2025-09-30T15:59:48","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=52186"},"modified":"2025-10-30T15:41:02","modified_gmt":"2025-10-30T07:41:02","slug":"cara-kira-premium-insurans-kereta-ikut-cc-umur-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insurans-kereta-ikut-cc-umur-kereta","title":{"rendered":"Cara Kira Premium Insurans Kereta Ikut CC &#038; Umur 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-69d44aaec1252\" 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-69d44aaec1252\"><\/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-kira-premium-insurans-kereta-ikut-cc-umur-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-kira-premium-insurans-kereta-ikut-cc-umur-kereta\/#Faktor_Utama_Tentukan_Premium\" title=\"Faktor Utama Tentukan Premium\">Faktor Utama Tentukan 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\/cara-kira-premium-insurans-kereta-ikut-cc-umur-kereta\/#Cara_Kira_Berdasarkan_CC\" title=\"Cara Kira Berdasarkan CC\">Cara Kira Berdasarkan CC<\/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-kira-premium-insurans-kereta-ikut-cc-umur-kereta\/#Cara_Kira_Berdasarkan_Umur_Kereta\" title=\"Cara Kira Berdasarkan Umur Kereta\">Cara Kira Berdasarkan Umur Kereta<\/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-kira-premium-insurans-kereta-ikut-cc-umur-kereta\/#Contoh_Kiraan_Ringkas\" title=\"Contoh Kiraan Ringkas\">Contoh Kiraan Ringkas<\/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-kira-premium-insurans-kereta-ikut-cc-umur-kereta\/#Kenapa_Perlu_Buat_Perbandingan\" title=\"Kenapa Perlu Buat Perbandingan?\">Kenapa Perlu Buat Perbandingan?<\/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-kira-premium-insurans-kereta-ikut-cc-umur-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 pemandu tertanya-tanya kenapa premium insurans kereta mereka berbeza dengan orang lain walaupun jenis perlindungan sama. Jawapannya terletak pada beberapa faktor utama \u2014 antaranya <strong>(CC) kapasiti enjin<\/strong> dan <strong>umur kereta<\/strong>. Kedua-dua faktor ini memainkan peranan penting kerana ia menggambarkan tahap risiko yang perlu ditanggung oleh syarikat insurans. Artikel ini akan terangkan cara kira premium insurans kereta ikut CC dan umur, supaya anda lebih faham dan tak tersalah bajet.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Faktor_Utama_Tentukan_Premium\"><\/span><strong>Faktor Utama Tentukan Premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Premium insurans tidak ditentukan secara rawak. Dua faktor besar yang beri kesan paling ketara ialah:<\/p>\n\n\n\n<ul><li><strong>Kapasiti enjin (CC):<\/strong> Lagi besar enjin, lagi tinggi risiko kerosakan yang mahal untuk ditanggung.<br><\/li><li><strong>Umur kereta:<\/strong> Lagi lama usia kereta, risiko kerosakan meningkat walaupun nilai pasaran semakin menurun.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Kira_Berdasarkan_CC\"><\/span><strong>Cara Kira Berdasarkan CC<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara umum, semakin besar CC enjin, semakin tinggi premium yang dikenakan.<\/p>\n\n\n\n<ul><li><strong>Bawah 1400cc:<\/strong> Premium lebih rendah kerana kos baik pulih murah.<br><\/li><li><strong>1400cc \u2013 2000cc:<\/strong> Premium sederhana.<br><\/li><li><strong>2000cc ke atas:<\/strong> Premium tinggi kerana kos alat ganti dan pembaikan mahal.<br><\/li><\/ul>\n\n\n\n<p><strong>Contoh:<\/strong> Dua kereta dengan nilai pasaran sama \u2014 sebuah 1300cc dan sebuah lagi 2000cc. Premium untuk 2000cc pasti lebih tinggi.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Kira_Berdasarkan_Umur_Kereta\"><\/span><strong>Cara Kira Berdasarkan Umur Kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Selain CC, umur kereta juga beri kesan besar.<\/p>\n\n\n\n<ul><li><strong>0\u20135 tahun:<\/strong> Premium lebih stabil kerana nilai pasaran masih tinggi.<br><\/li><li><strong>6\u201310 tahun:<\/strong> Premium turun sedikit selari dengan susut nilai.<br><\/li><li><strong>10 tahun ke atas:<\/strong> Premium boleh jadi lebih rendah kerana nilai kereta jatuh, tapi sesetengah insurans naikkan harga sebab risiko rosak lebih tinggi.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Contoh_Kiraan_Ringkas\"><\/span><strong>Contoh Kiraan Ringkas<\/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 Kereta<\/strong><\/td><td><strong>CC Enjin<\/strong><\/td><td><strong>Umur<\/strong><\/td><td><strong>Anggaran Premium (RM)<\/strong><\/td><\/tr><tr><td>Perodua Myvi<\/td><td>1300cc<\/td><td>3 tahun<\/td><td>RM1,200<\/td><\/tr><tr><td>Honda Civic<\/td><td>1800cc<\/td><td>5 tahun<\/td><td>RM2,000<\/td><\/tr><tr><td>Toyota Camry<\/td><td>2400cc<\/td><td>8 tahun<\/td><td>RM2,800<\/td><\/tr><\/tbody><\/table><figcaption><em>(Anggaran sahaja. Premium sebenar bergantung pada syarikat insurans dan diskaun NCD).<\/em><\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"52274\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insurans-kereta-ikut-cc-umur-kereta\/attachment\/3-83\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-83.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=\"3-83\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-83.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-83.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\/3-83.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik panduan kira premium insurans kereta mengikut kapasiti enjin (CC) dan umur kenderaan.\" class=\"wp-image-52274\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-83.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-83.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-83.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-83.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-83.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=\"Kenapa_Perlu_Buat_Perbandingan\"><\/span><strong>Kenapa Perlu Buat Perbandingan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Walaupun asas pengiraan premium ikut CC dan umur, harga sebenar tetap berbeza antara syarikat insurans. Itu sebabnya penting untuk:<\/p>\n\n\n\n<ul><li>Bandingkan dahulu sebelum beli.<br><\/li><li>Guna platform seperti <strong>Bjak<\/strong> untuk tengok tawaran dari pelbagai syarikat.<br><\/li><li>Pastikan anda pilih pakej perlindungan yang sesuai dengan bajet dan keperluan.<br><\/li><\/ul>\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>Cara kira premium insurans kereta sangat bergantung pada <strong>CC enjin dan umur kereta<\/strong>. Lagi besar CC, premium lebih mahal. Lagi lama usia kereta, risiko meningkat. Jadi, sebelum renew insurans, bandingkan harga di platform seperti Bjak untuk pastikan anda dapat perlindungan terbaik tanpa bayar lebih.<\/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-kira-premium-insurans-kereta-ikut-cc--umur-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-kira-ncd-kereta-panduan-lengkap-tips\">Cara Kira NCD Kereta: Panduan Lengkap &amp; Tips<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/jimat-mudah-banding-platform-panduan-renew-online\">Jimat, Mudah &amp; Banding Platform: Panduan Renew Online<\/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>remium insurans ditentukan oleh CC dan umur kereta. Lagi besar CC, premium lebih tinggi. Lagi lama usia kereta, risiko meningkat.<\/p>\n","protected":false},"author":31,"featured_media":52273,"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":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cara Kira Premium Insurans Kereta Ikut CC &amp; Umur Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Cara Kira Premium Insurans Kereta Ikut CC &amp; Umur Kereta. 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