{"id":5237,"date":"2021-10-10T22:37:22","date_gmt":"2021-10-10T14:37:22","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=5237"},"modified":"2022-12-13T10:19:27","modified_gmt":"2022-12-13T02:19:27","slug":"terma-penting-dalam-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/terma-penting-dalam-insurans-kereta","title":{"rendered":"Apakah &#8220;Premium Insurans&#8221;? Ketahui Pelbagai Istilah Penting dalam Polisi Insurans Kereta Anda"},"content":{"rendered":"\n<p>Di dalam polisi insurans kereta, seringkali terjumpa beberapa istilah insurans yang kadang-kala mengelirukan. Sebenarnya, sangat penting untuk anda memahaminya bagi memastikan anda dapat memilih perlindungan yang sesuai.<\/p>\n\n\n\n<p>Justeru, artikel kali ini akan menghuraikan kepada anda terma-terma penting berkenaan sebagai pencerahan.<\/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-69deb0a63a86d\" 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-69deb0a63a86d\"><\/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\/terma-penting-dalam-insurans-kereta\/#Premium_Insurans\" title=\"Premium Insurans&nbsp;\">Premium Insurans&nbsp;<\/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\/terma-penting-dalam-insurans-kereta\/#Diskaun_tiada_tuntutan_No-claim_discount_NCD\" title=\"Diskaun tiada tuntutan (No-claim discount \/ NCD)\">Diskaun tiada tuntutan (No-claim discount \/ NCD)<\/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\/terma-penting-dalam-insurans-kereta\/#Perlindungan_tambahan\" title=\"Perlindungan tambahan\">Perlindungan tambahan<\/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\/terma-penting-dalam-insurans-kereta\/#Nilai_pasaran_dan_nilai_yang_dipersetujui\" title=\"Nilai pasaran dan nilai yang dipersetujui \">Nilai pasaran dan nilai yang dipersetujui <\/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\/terma-penting-dalam-insurans-kereta\/#Nilai_pasaran_Market_Value\" title=\"Nilai pasaran (Market Value)\">Nilai pasaran (Market Value)<\/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\/terma-penting-dalam-insurans-kereta\/#Nilai_yang_dipersetujui_Agreed_Value\" title=\"Nilai yang dipersetujui (Agreed Value)\">Nilai yang dipersetujui (Agreed Value)<\/a><\/li><\/ul><\/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\/terma-penting-dalam-insurans-kereta\/#Excess\" title=\"Excess\">Excess<\/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\/terma-penting-dalam-insurans-kereta\/#Betterment\" title=\"Betterment\">Betterment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/terma-penting-dalam-insurans-kereta\/#Loading\" title=\"Loading&nbsp;\">Loading&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/terma-penting-dalam-insurans-kereta\/#Fahami_dan_dapatkan_perlindungan_terbaik\" title=\"Fahami dan dapatkan perlindungan terbaik\">Fahami dan dapatkan perlindungan terbaik<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Premium_Insurans\"><\/span>Premium Insurans&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Premium insurans merujuk kepada jumlah yang telah dipersetujui untuk dibayar kepada penanggung insurans bagi mendapatkan perlindungan insurans untuk kenderaan.<\/p>\n\n\n\n<p>Sebelum 1 Julai 2017, harga premium untuk insurans kereta di Malaysia hampir sama (iaitu berdasarkan nilai kenderaan anda dan kapasiti enjin) di semua penyedia insurans kereta. Ini kerana harga premium ditarif oleh Bank Negara Malaysia (BNM).&nbsp; Bagaimanapun, sejak pelaksaan kadar atau tarif baru pada 1 Julai 2017, syarikat insurans kereta kini mengambil kira beberapa faktor seperti rekod pemanduan, tahap penggunaan kereta, lokasi tempat tinggal, pekerjaan, umur dan ciri-ciri keselamatan yang ada pada kereta bagi menentukan premium insurans.&nbsp;<\/p>\n\n\n\n<p>Premium insurans bagi setiap syarikat insurans adalah berbeza.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Diskaun_tiada_tuntutan_No-claim_discount_NCD\"><\/span>Diskaun tiada tuntutan (No-claim discount \/ NCD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD atau <em>No-Claim Discount<\/em> (Diskaun Tiada Tuntutan) adalah diskaun insurans kereta yang ditawarkan oleh pihak insurans jika pemilik kereta tidak pernah membuat sebarang tuntutan pada tahun tersebut. NCD memainkan peranan yang besar dalam menentukan jumlah yang perlu anda bayar kepada pihak insurans.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5835\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/terma-penting-dalam-insurans-kereta\/attachment\/image-1-_-kadar-ncd\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-kadar-ncd.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-1-_-kadar-ncd\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-kadar-ncd.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-kadar-ncd.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-kadar-ncd-1024x1024.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kadar NCD kereta\" class=\"wp-image-5835\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-kadar-ncd.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-kadar-ncd.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-kadar-ncd.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-kadar-ncd.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-kadar-ncd.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Bagaimanapun, sekiranya terdapat sebarang tuntutan dibuat oleh anda terhadap syarikat insurans, kadar NCD pada tahun berikutnya akan menjadi 0% semula dan menyebabkan premium insurans kembali menjadi tinggi. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_tambahan\"><\/span>Perlindungan tambahan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Perlindungan tambahan adalah perlindungan yang tidak dimasukkan dalam \u2018pakej\u2019 polisi insurans, namun pemilik boleh membelinya mengikut keperluan dan risiko pemanduan. <\/p>\n\n\n\n<p>Berikut merupakan jenis-jenis perlindungan tambahan yang sering ditawarkan oleh syarikat insurans untuk pemilik kereta ketika memperbaharui insurans:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5837\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/terma-penting-dalam-insurans-kereta\/attachment\/image-2-jenis-jenis-perlindungan-tambahan\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.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-2-Jenis-jenis-Perlindungan-tambahan-\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan--1024x1024.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Jenis-jenis perlindungan tambahan yang disediakan oleh syarikat insurans\" class=\"wp-image-5837\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-Perlindungan-tambahan-.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Ingin memahami penjelasan lanjut bagi perlindungan tambahan? Rujuk artikel ini: <strong><a href=\"https:\/\/bjak.my\/blog\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/\" target=\"_blank\" rel=\"noreferrer noopener\">Jenis-jenis Perlindungan Tambahan untuk Insurans Kereta<\/a><\/strong><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Nilai_pasaran_dan_nilai_yang_dipersetujui\"><\/span>Nilai pasaran dan nilai yang dipersetujui <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jumlah perlindungan untuk insurans kereta ditentukan dalam dua nilai yang berbeza iaitu:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Nilai_pasaran_Market_Value\"><\/span><strong>Nilai pasaran (Market Value)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Nilai pasaran adalah nilai kereta mengikut harga pasaran semasa. Nilai ini bergantung kepada jenama, model dan tahun kereta anda dikeluarkan.<\/p>\n\n\n\n<p><em>Contoh:<\/em> Jika jumlah perlindungan yang diambil adalah sebanyak RM45,000 dan kemudian ketika tempoh polisi masih sah anda membuat tuntutan untuk jumlah kerugian menyeluruh, anda akan mendapat pembayaran balik kurang daripada jumlah RM45,000 kerana nilai pasaran kereta anda mungkin sudah menyusut. Jumlah pampasan yang akan dibayar adalah mengikut nilai kereta anda pada ketika itu.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Nilai_yang_dipersetujui_Agreed_Value\"><\/span><strong>Nilai yang dipersetujui (Agreed Value)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Nilai yang dipersetujui, atau lebih sering dikenali sebagai <strong><em>Agreed value <\/em><\/strong>merujuk kepada jumlah tertentu yang dipersetujui di antara anda dan syarikat insurans. Jumlah ini tidak akan berubah walaupun nilai kereta telah menyusut.<\/p>\n\n\n\n<p><em>Contoh: <\/em>Jika jumlah perlindungan yang dipersetujui adalah sebanyak RM45,000 dan kemudian ketika tempoh polisi masih sah anda membuat tuntutan untuk jumlah kerugian menyeluruh, anda akan mendapat pampasan sebanyak RM45,000 dan tidak akan berubah walaupun kereta anda bernilai lebih rendah ketika anda membuat tuntutan.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5839\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/terma-penting-dalam-insurans-kereta\/attachment\/image-3_-perbandingan-market-value-vs-agreed-value\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.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_-Perbandingan-Market-Value-vs-Agreed-Value\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.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_-Perbandingan-Market-Value-vs-Agreed-Value-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Perbezaan di antara nilai pasaran dengan nilai yang dipersetujui\" class=\"wp-image-5839\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption><em>Perbandingan di antara nilai pasaran dengan nilai yang dipersetujui<\/em><\/figcaption><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Excess\"><\/span>Excess<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Excess merujuk kepada <strong>pembayaran awal yang anda perlu bayar ketika membuat tuntutan insurans ke atas insurans kereta anda<\/strong>, meskipun ia bukan kesalahan anda.<\/p>\n\n\n\n<p>Pada kebiasaannya, excess tidak termasuk kerosakan akibat kebakaran, letupan, kerosakan pihak ketiga mahupun tuntutan kecederaan pihak ketiga.&nbsp;<\/p>\n\n\n\n<p><em>Gambaran situasi:<\/em><\/p>\n\n\n\n<p>Kamal memperbaharui insurans kereta dengan excess sebanyak RM400. Suatu hari, Kamal terlibat dalam kemalangan dan ingin melakukan tuntutan bagi membaiki keretanya yang berjumlah RM4,000. Disebabkan excess yang ditetapkan dalam polisi insuransnya kereta adalah RM400, jadi Kamal perlu membayar sebanyak RM400 sebagai excess dan baki RM3,600 akan ditanggung oleh insurans.&nbsp;<\/p>\n\n\n\n<p> Terdapat dua jenis excess insurans yang ada iaitu: <\/p>\n\n\n\n<ul><li><strong>Compulsory Excess (Excess wajib)<\/strong><\/li><\/ul>\n\n\n\n<p>Dikenakan atas sebab pemandu kenderaan di bawah 21 tahun, pemandu atau pemilik pemegang lesen P\/L, dan pemilik tidak didaftarkan sebagai pemandu kenderaan. Excess ini adalah wajib dan mana-mana syarikat insurans akan mengenakan excess ini sekiranya tergolong dalam tiga ciri yang dinyatakan. Pada kebiasaannya, kadar ekses yang dikenakan oleh syarikat insurans insurans adalah sebanyak RM400.<\/p>\n\n\n\n<ul><li><strong>Voluntary excess&nbsp;<\/strong><\/li><\/ul>\n\n\n\n<p>Voluntary excess adalah berbeza-beza bergantung kepada polisi syarikat insurans. Ada syarikat insurans yang mewajibkan, ada juga yang tidak mengenakannya namun harga insurans yang perlu dibayar akan dinaikkan. Terdapat beberapa sebab ianya dikenakan kepada anda seperti pemilik kenderaan berusia muda, kenderaan berisiko hilang dan usia kenderaan yang sudah lama.&nbsp;<\/p>\n\n\n\n<p>Jumlah harga untuk excess ini pula adalah bergantung kepada peratusan (%) daripada jumlah perlindungan kereta anda.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5840\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/terma-penting-dalam-insurans-kereta\/attachment\/image-4_-excess-is-an-amount-to-pay-before-claim\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Excess-is-an-amount-to-pay-before-claim.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-4_-Excess-is-an-amount-to-pay-before-claim\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Excess-is-an-amount-to-pay-before-claim.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Excess-is-an-amount-to-pay-before-claim.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-4_-Excess-is-an-amount-to-pay-before-claim-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Excess adalah pembayaran awal yang perlu dibayar oleh pemegang polisi ketika membuat tuntutan insurans\" class=\"wp-image-5840\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Excess-is-an-amount-to-pay-before-claim.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Excess-is-an-amount-to-pay-before-claim.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Excess-is-an-amount-to-pay-before-claim.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Excess-is-an-amount-to-pay-before-claim.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Excess-is-an-amount-to-pay-before-claim.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Betterment\"><\/span>Betterment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><em>Betterment <\/em>merujuk kepada kadar kos tambahan yang pemegang polisi perlu tanggung semasa membuat tuntutan di pusat servis jenama kenderaan mereka.<\/p>\n\n\n\n<p>Dalam erti kata lain, <em>betterment <\/em>bermaksud kos yang perlu ditanggung oleh anda (sebagai penuntut insurans) untuk perbezaan kos penggantian komponen lama kepada komponen baru.<\/p>\n\n\n\n<p><em>Contoh: <\/em>Bumper belakang kereta telah dilanggar dan perlu dibaiki sepenuhnya kerana terdapat bahagian yang sudah pecah. Jadi, keseluruhan daripada bumper tersebut perlu ditukar dan digantikan dengan bumper baharu. Apabila membuat tuntutan, akan ada caj tambahan kerana nilai bumper baharu tidak sama dengan bumper terpakai. Maka, perbezaan harga inilah yang dinamakan sebagai betterment.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Loading\"><\/span>Loading&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><em>Loading <\/em>merujuk kepada caj tambahan yang dikenakan ke atas premium asas sesuatu risiko. Setiap syarikat insurans mengenakan peratusan loading yang berbeza antara 15% hingga 35% untuk risiko yang sama (bergantung pada syarikat).<\/p>\n\n\n\n<p>Kadar <em>loading <\/em>biasanya ditentukan berdasarkan beberapa faktor seperti umur, tabiat memandu, kapasiti enjin, sejarah memandu dan kekerapan tuntutan sebelumnya. Kadar ini akan dikenakan bertujuan untuk memastikan ia setimpal dengan risiko yang akan ditanggung oleh syarikat insurans.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Fahami_dan_dapatkan_perlindungan_terbaik\"><\/span>Fahami dan dapatkan perlindungan terbaik<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sudah jelas dengan terma-terma penting di atas? Diharap ia sedikit sebanyak dapat membantu anda untuk  mendapatkan perlindungan terbaik buat kereta anda selepas ini.  <\/p>\n\n\n\n<p>Anda juga boleh mendapatkan lebih banyak info mengenai insurans kereta melalui platform Bjak. Pelbagai<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogms\"> panduan dan tips untuk perbaharui insurans kereta<\/a> ada dikongsikan di sini. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Terma-terma dalam insurans kereta adalah penting untuk difahami supaya anda dapat memilih perlindungan yang terbaik. <\/p>\n","protected":false},"author":4,"featured_media":5413,"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":[26,243,137,364],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apakah &quot;Premium Insurans&quot;? 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