{"id":5230,"date":"2021-10-10T23:04:22","date_gmt":"2021-10-10T15:04:22","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=5230"},"modified":"2023-06-28T15:26:08","modified_gmt":"2023-06-28T07:26:08","slug":"fahami-jenis-jenis-polisi-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-jenis-jenis-polisi-insurans-kereta","title":{"rendered":"Fahami Jenis-jenis Polisi Insurans Kereta"},"content":{"rendered":"\n<p>Sebagai pemilik kenderaan yang bijak, anda harus tahu bahawa bukan setiap <a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">insurans kereta<\/a> adalah sama. Terdapat 3 jenis <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insurans kereta<\/a> yang boleh didapatkan di pasaran dan setiap jenis insurans memberi perlindungan yang berbeza. <\/p>\n\n\n\n<p>Artikel ini akan menerangkan dengan lebih jelas mengenai ketiga-tiga jenis polisi ini untuk pemahaman 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-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=fahami-jenis-jenis-polisi-insurans-kereta\">Renew Insurans Terbaik<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\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-69de8e29b6073\" 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-69de8e29b6073\"><\/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\/fahami-jenis-jenis-polisi-insurans-kereta\/#Polisi_Insurans_Komprehensif\" title=\"Polisi Insurans Komprehensif\">Polisi Insurans Komprehensif<\/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\/fahami-jenis-jenis-polisi-insurans-kereta\/#Polisi_Insurans_Pihak_Ketiga_Kebakaran_dan_Kecurian\" title=\"Polisi Insurans Pihak Ketiga, Kebakaran dan Kecurian\">Polisi Insurans Pihak Ketiga, Kebakaran dan Kecurian<\/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\/fahami-jenis-jenis-polisi-insurans-kereta\/#Polisi_Insurans_Pihak_Ketiga\" title=\"Polisi Insurans Pihak Ketiga\">Polisi Insurans Pihak Ketiga<\/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\/fahami-jenis-jenis-polisi-insurans-kereta\/#Cara_untuk_memilih_jenis_perlindungan_kereta\" title=\"Cara untuk memilih jenis perlindungan kereta\">Cara untuk memilih jenis perlindungan kereta<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-jenis-jenis-polisi-insurans-kereta\/#Usia_kenderaan\" title=\"Usia kenderaan\">Usia kenderaan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-jenis-jenis-polisi-insurans-kereta\/#Kekerapan_penggunaan_kereta\" title=\"Kekerapan penggunaan kereta\">Kekerapan penggunaan kereta<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-jenis-jenis-polisi-insurans-kereta\/#Jumlah_perlindungan\" title=\"Jumlah perlindungan\">Jumlah perlindungan<\/a><\/li><\/ul><\/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\/fahami-jenis-jenis-polisi-insurans-kereta\/#Pilih_perlindungan_insurans_kereta_yang_bersesuaian_dengan_anda\" title=\"Pilih perlindungan insurans kereta yang bersesuaian dengan anda&nbsp;\">Pilih perlindungan insurans kereta yang bersesuaian dengan anda&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Polisi_Insurans_Komprehensif\"><\/span>Polisi Insurans Komprehensif<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5820\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-jenis-jenis-polisi-insurans-kereta\/attachment\/image-1-comprehensive-covers-own-damage-accident-theft-towing\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-Comprehensive-covers-own-damage-accident-theft-towing.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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;0&quot;}\" data-image-title=\"Image-1-Comprehensive-covers-own-damage-accident-theft-towing\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-Comprehensive-covers-own-damage-accident-theft-towing.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-Comprehensive-covers-own-damage-accident-theft-towing.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-1-Comprehensive-covers-own-damage-accident-theft-towing-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Insurans komprehensif melindungi pihak pertama dan pihak ketiga\" class=\"wp-image-5820\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-Comprehensive-covers-own-damage-accident-theft-towing.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-Comprehensive-covers-own-damage-accident-theft-towing.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-Comprehensive-covers-own-damage-accident-theft-towing.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-Comprehensive-covers-own-damage-accident-theft-towing.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-Comprehensive-covers-own-damage-accident-theft-towing.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Insurans komprehensif menawarkan perlindungan yang paling menyeluruh kepada pemegang polisi. Ia juga dikenali sebagai <a href=\"https:\/\/bjak.my\/blog\/kenapa-anda-perlu-beli-insurans-kereta-1st-party\/\">insurans kereta <em>first party<\/em><\/a>.<\/p>\n\n\n\n<p>Ia memberi perlindungan kepada kenderaan bagi pelbagai situasi, seperti kerosakan, kebakaran dan kecurian. Insurans komprehensif juga memberi perlindungan kepada pihak ketiga.<\/p>\n\n\n\n<p>Antara kejadian yang dilindungi syarikat insurans sehingga berlaku kerugian dan kerosakan pada kereta sendiri di bawah polisi ini termasuklah apabila kereta:<\/p>\n\n\n\n<ul><li>berlanggar atau terbalik akibat kemalangan<\/li><li>langgar atau terbalik akibat kerosakan mekanikal<\/li><li>berlanggar atau terbalik akibat haus dan lusuh<\/li><li>rosak akibat dihempap objek jatuh tertakluk kepada pengecualian tertentu<\/li><li>kebakaran, letupan atau disambar kilat<\/li><li>pecah cermin depan\/ belakang, tingkap atau tingkap bumbung matahari termasuk filem salutan\/ mewarna<\/li><li>pecah masuk, pecah rumah atau kecurian<\/li><li>perbuatan niat jahat<\/li><li>semasa dalam transit<\/li><\/ul>\n\n\n\n<p>Insurans komprehensif biasanya diwajibkan untuk kereta baharu dan kereta yang berusia sehingga 10 tahun. Bagi kereta yang berusia melebihi 15 tahun, kebanyakan syarikat insurans mencadangkan perlindungan insurans pihak ketiga, kebakaran dan kecurian (TPFT).<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Polisi_Insurans_Pihak_Ketiga_Kebakaran_dan_Kecurian\"><\/span>Polisi Insurans Pihak Ketiga, Kebakaran dan Kecurian<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6016\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-jenis-jenis-polisi-insurans-kereta\/attachment\/image-2-_-cover-theft-fire-and-other-people-car-during-accident\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Cover-theft-fire-and-other-people-car-during-accident-.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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;0&quot;}\" data-image-title=\"Image-2-_-Cover-theft-fire-and-other-people-car-during-accident-\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Cover-theft-fire-and-other-people-car-during-accident-.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Cover-theft-fire-and-other-people-car-during-accident-.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Cover-theft-fire-and-other-people-car-during-accident--1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Insurans kereta pihak ketiga, kebakaran dan kecurian disyorkan untuk kenderaan berusia 15 tahun dan ke atas \" class=\"wp-image-6016\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Cover-theft-fire-and-other-people-car-during-accident-.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Cover-theft-fire-and-other-people-car-during-accident-.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Cover-theft-fire-and-other-people-car-during-accident-.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Cover-theft-fire-and-other-people-car-during-accident-.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Cover-theft-fire-and-other-people-car-during-accident-.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Insurans pihak ketiga, kebakaran dan kecurian memberi perlindungan kepada kenderaan bagi kecurian dan kebakaran. Ia tidak mengandungi perlindungan yang lain seperti kerosakan dan kemalangan. <\/p>\n\n\n\n<p>Jenis insurans ini biasanya lebih murah daripada insurans komprehensif dan lebih sesuai bagi kenderaan yang berusia tinggi dan kenderaan yang jarang digunakan. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Polisi_Insurans_Pihak_Ketiga\"><\/span>Polisi Insurans Pihak Ketiga<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5823\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-jenis-jenis-polisi-insurans-kereta\/attachment\/image-3_-only-cover-other-people-need-to-pay-for-own-damage\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Only-cover-other-people-need-to-pay-for-own-damage.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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;0&quot;}\" data-image-title=\"Image-3_-Only-cover-other-people-need-to-pay-for-own-damage\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Only-cover-other-people-need-to-pay-for-own-damage.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Only-cover-other-people-need-to-pay-for-own-damage.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Only-cover-other-people-need-to-pay-for-own-damage-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Insurans kereta pihak ketiga hanya memberi perlindungan untuk pihak ketiga sahaja\" class=\"wp-image-5823\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Only-cover-other-people-need-to-pay-for-own-damage.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Only-cover-other-people-need-to-pay-for-own-damage.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Only-cover-other-people-need-to-pay-for-own-damage.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Only-cover-other-people-need-to-pay-for-own-damage.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Only-cover-other-people-need-to-pay-for-own-damage.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Insurans pihak ketiga merupakan polisi yang paling asas boleh dimiliki oleh seseorang pemilik kenderaan. Di Malaysia, setiap pemilik kenderaan perlu memiliki sekurang-kurangnya polisi ini untuk memastikan kenderaan mereka sah digunakan di atas jalan raya.&nbsp;<\/p>\n\n\n\n<p>Pihak ketiga yang dimaksudkan dalam polisi ini adalah individu lain yang terlibat dalam kemalangan bersama anda (di mana kemalangan berpunca daripada anda).&nbsp;<\/p>\n\n\n\n<p>Polisi ini memberi perlindungan hanya untuk pihak ketiga termasuk kerosakan atau kerugian ke atas pihak ketiga akibat daripada kemalangan yang berpunca daripada kenderaan anda sendiri.<\/p>\n\n\n\n<p>Secara dasarnya, polisi ini memberikan perlindungan yang sangat terhad kerana ia hanya boleh digunakan untuk tuntutan pihak ketiga sahaja, dan kerosakan pada kenderaan anda perlu dibaiki menggunakan wang poket anda sendiri.<\/p>\n\n\n\n<p>Untuk memudahkan pemahaman anda, di bawah ini merupakan ringkasan bagi perbezaan di antara ketiga-tiga jenis polisi insurans kereta.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6395\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-jenis-jenis-polisi-insurans-kereta\/attachment\/image-4-_3-jenis-insurans\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4-_3-jenis-insurans.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"Image-4-_3-jenis-insurans\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4-_3-jenis-insurans.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4-_3-jenis-insurans.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-4-_3-jenis-insurans-1024x1024.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Perbezaan di antara polisi insurans kereta iaitu polisi komprehensif, polisi pihak ketiga, kebakaran dan kecurian, dan polisi insurans pihak ketiga\" class=\"wp-image-6395\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4-_3-jenis-insurans.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4-_3-jenis-insurans.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4-_3-jenis-insurans.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4-_3-jenis-insurans.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4-_3-jenis-insurans.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption> <\/figcaption><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_untuk_memilih_jenis_perlindungan_kereta\"><\/span>Cara untuk memilih jenis perlindungan kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Di bawah adalah tiga faktor yang harus dipertimbangkan semasa memilih jenis perlindungan:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Usia_kenderaan\"><\/span><strong>Usia kenderaan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sebelum memilih insurans untuk kereta anda, pastikan ia bersesuaian dengan usia kereta anda itu. Ini bagi mengelakkan ia daripada terlebih perlindungan atau terkurang perlindungan untuk kenderaan anda. <\/p>\n\n\n\n<p>Sebagai contoh, jika kenderaan anda adalah kereta lama dan berusia lebih 15 tahun, anda boleh mengambil polisi pihak ketiga, kebakaran dan kecurian. Ini kerana, kos kerosakan pada kenderaan tersebut mungkin lebih murah dan boleh ditanggung oleh anda. <\/p>\n\n\n\n<p>Manakala jika kereta anda adalah kereta baru dan baru berusia beberapa tahun sahaja, perlindungan insurans komprehensif adalah yang terbaik kerana ia boleh melindungi kenderaan anda secara menyeluruh.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kekerapan_penggunaan_kereta\"><\/span><strong>Kekerapan penggunaan kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sekiranya kereta anda sering digunakan, anda dinasihati mengambil insurans jenis komprehensif kerana ia dapat memberi perlindungan yang lebih menyeluruh. <\/p>\n\n\n\n<p>Sebagai contoh, bagi kereta berusia melebihi 10 tahun tetapi sering digunakan, insurans jenis komprehensif boleh melindungi kereta daripada keadaan kemalangan atau kecurian semasa digunakan di luar.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Jumlah_perlindungan\"><\/span><strong>Jumlah perlindungan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Bagi kenderaan yang telah berusia lebih daripada 10 tahun tetapi masih bernilai melebihi RM10,000, anda digalakkan untuk mengambil perlindungan yang komprehensif bagi memastikan kenderaan anda dilindungi dengan secukupnya. Perlindungan komprehensif dapat mengelakkan pemilik daripada pembayaran pembaikan yang tinggi sekiranya diperlukan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pilih_perlindungan_insurans_kereta_yang_bersesuaian_dengan_anda\"><\/span>Pilih perlindungan insurans kereta yang bersesuaian dengan anda&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Setiap syarikat insurans menyediakan ketiga-tiga jenis polisi insurans kereta ini. Lihat ketiga-tiga kriteria yang telah dinyatakan di atas, dan tentukan jenis polisi yang bersesuaian bagi mengelakkan anda daripada terlebih mahupun terkurang perlindungan.<\/p>\n\n\n\n<p>Anda juga boleh melihat serta mendapatkan pelan perlindungan insurans kereta yang terbaik melalui Bjak. Lebih 15 pilihan syarikat insurans disediakan untuk anda buat perbandingan dengan mudah dan pantas. Dapatkan dulu sebut harga percuma hari ini. <\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan\u00a0<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=fahami-jenis-jenis-polisi-insurans-kereta\">sebut\u00a0harga percuma<\/a>\u00a0di Bjak dan pilih pelan terbaik hari ini!<\/p>\n\n\n\n<div class=\"wp-container-2 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=fahami-jenis-jenis-polisi-insurans-kereta\">Renew Insurans Terbaik<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Baca juga:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/akibat-tidak-renew-insurans-kereta\/\">Anda Tidak Renew Insurans Kereta? Ini Akibat yang Anda Mungkin Hadapi<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/bagaimana-harga-insurans-kereta-dikira\/\">Bagaimana Harga Insurans Kereta Dikira?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-dapat-insurans-harga-rendah\/\">Cara Dapat Insurans Harga Rendah<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Insurans kereta boleh diperbaharui dengan tiga jenis polisi. Ketahui jenis-jenis polisi insurans kereta yang ada menerusi artikel ini.<\/p>\n","protected":false},"author":4,"featured_media":35988,"comment_status":"closed","ping_status":"open","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":[26,243,365],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fahami Jenis-jenis Polisi Insurans Kereta<\/title>\n<meta name=\"description\" content=\"Terdapat 3 jenis polisi insurans kereta di pasaran dengan setiap jenis insurans memberi perlindungan yang berbeza kepada pemegang polisi.\" \/>\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\/fahami-jenis-jenis-polisi-insurans-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fahami Jenis-jenis Polisi Insurans Kereta\" \/>\n<meta property=\"og:description\" content=\"Terdapat 3 jenis polisi insurans kereta di pasaran dengan setiap jenis insurans memberi perlindungan yang berbeza kepada pemegang polisi.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-jenis-jenis-polisi-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=\"2021-10-10T15:04:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-28T07:26:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A2_-Fahami-Jenis-jenis-Polisi-Insurans-Kereta-1-2.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=\"Athirah Hanapiah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 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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