{"id":5240,"date":"2021-10-18T17:18:54","date_gmt":"2021-10-18T09:18:54","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=5240"},"modified":"2023-07-12T16:59:45","modified_gmt":"2023-07-12T08:59:45","slug":"insurans-kereta-konvensional-vs-takaful-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-konvensional-vs-takaful-kereta","title":{"rendered":"Insurans Kereta Konvensional vs Takaful Kereta"},"content":{"rendered":"\n<p>Selain insurans konvensional, pemilik kenderaan juga mempunyai pilihan untuk memperbaharui <a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">insurans kereta<\/a> mereka melalui takaful.\u00a0<\/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-69d78c2d7b2a4\" 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-69d78c2d7b2a4\"><\/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\/insurans-kereta-konvensional-vs-takaful-kereta\/#Apa_itu_perlindungan_Takaful\" title=\"Apa itu perlindungan Takaful?\">Apa itu perlindungan Takaful?<\/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\/insurans-kereta-konvensional-vs-takaful-kereta\/#Ciri-ciri_Takaful\" title=\"Ciri-ciri Takaful\">Ciri-ciri Takaful<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-konvensional-vs-takaful-kereta\/#Perkongsian_risiko\" title=\"Perkongsian risiko\">Perkongsian risiko<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-konvensional-vs-takaful-kereta\/#Polisi_bonus_tiada_tuntutan\" title=\"Polisi bonus tiada tuntutan \">Polisi bonus tiada tuntutan <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-konvensional-vs-takaful-kereta\/#Patuh_syariah\" title=\"Patuh syariah\">Patuh syariah<\/a><\/li><\/ul><\/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\/insurans-kereta-konvensional-vs-takaful-kereta\/#Beza_antara_Takaful_kereta_dengan_Insurans_Konvensional\" title=\"Beza antara Takaful kereta dengan Insurans Konvensional \">Beza antara Takaful kereta dengan Insurans Konvensional <\/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\/insurans-kereta-konvensional-vs-takaful-kereta\/#Apakah_hukum_umat_Islam_menyertai_Insurans_Konvensional\" title=\"Apakah hukum umat Islam menyertai Insurans Konvensional?\">Apakah hukum umat Islam menyertai Insurans Konvensional?<\/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\/insurans-kereta-konvensional-vs-takaful-kereta\/#Perlindungan_manakah_patut_diambil\" title=\"Perlindungan manakah patut diambil?\">Perlindungan manakah patut diambil?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apa_itu_perlindungan_Takaful\"><\/span>Apa itu perlindungan Takaful?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Perlindungan <a href=\"https:\/\/bjak.my\/blog\/takaful-kereta-panduan\/\">takaful insurans kereta<\/a> merujuk kepada pelan insurans yang memiliki ciri-ciri patuh syariah. Berbanding insurans konvensional, perlindungan takaful bebas daripada unsur yang dilarang oleh Islam iaitu riba\u2019, gharar (ragu-ragu) dan masyir (judi).\u00a0<\/p>\n\n\n\n<p>Takaful diperkenalkan sebagai alternatif kepada insurans konvensional sedia ada untuk pengguna yang beragama Islam. Namun jangan salah faham, ini tidak bermakna hanya orang Islam sahaja boleh mendapatkan perlindungan Takaful, malah ia turut dibuka kepada individu bukan beragama Islam.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Ciri-ciri_Takaful\"><\/span>Ciri-ciri Takaful<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5845\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-konvensional-vs-takaful-kereta\/attachment\/image-1_-ciri-ciri-takaful\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Ciri-ciri-Takaful-.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_-Ciri-ciri-Takaful-\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Ciri-ciri-Takaful-.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Ciri-ciri-Takaful-.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-1_-Ciri-ciri-Takaful--1024x1024.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Tiga ciri perlindungan Takaful \" class=\"wp-image-5845\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Ciri-ciri-Takaful-.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Ciri-ciri-Takaful-.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Ciri-ciri-Takaful-.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Ciri-ciri-Takaful-.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Ciri-ciri-Takaful-.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Perkongsian_risiko\"><\/span><strong>Perkongsian risiko<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Risiko ditanggung oleh syarikat insurans termasuk semua pihak di bawah perlindungan takaful.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Polisi_bonus_tiada_tuntutan\"><\/span><strong>Polisi bonus tiada tuntutan<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika tiada tuntutan dalam tempoh perlindungan, pemegang polisi layak menerima rebat tunai daripada syarikat takaful (sekurang-kurangnya 10%) <\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Patuh_syariah\"><\/span><strong>Patuh syariah<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Mematuhi undang-undang Syariah tanpa transaksi yang meragukan. Perlindungan takaful bebas daripada unsur yang dilarang oleh Islam iaitu riba\u2019, gharar (ragu-ragu) dan masyir (judi). <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Beza_antara_Takaful_kereta_dengan_Insurans_Konvensional\"><\/span>Beza antara Takaful kereta dengan Insurans Konvensional <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Takaful kenderaan dikategorikan sebagai produk takaful am. Ia menyediakan perlindungan menyeluruh yang melindungi pemegang polisi dan pihak ketiga daripada kerugian dan kecederaan akibat kemalangan, kecurian mahupun kebakaran.&nbsp;<\/p>\n\n\n\n<p>Berikut merupakan perbezaan antara takaful kereta dengan insurans konvensional:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"10860\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-konvensional-vs-takaful-kereta\/attachment\/img_2697\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/IMG_2697.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;1&quot;}\" data-image-title=\"IMG_2697\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/IMG_2697.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/IMG_2697.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/IMG_2697.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Perbezaan antara takaful dan insurans konvensional\" class=\"wp-image-10860\" title=\"Perbezaan antara takaful dan insurans konvensional\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/IMG_2697.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/IMG_2697.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/IMG_2697.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/IMG_2697.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/IMG_2697.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_hukum_umat_Islam_menyertai_Insurans_Konvensional\"><\/span>Apakah hukum umat Islam menyertai Insurans Konvensional?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Berdasarkan daripada perbezaan-perbezaan di atas, ia menyatakan bahawa insurans konvensional mempunyai beberapa unsur yang dilarang oleh Islam iaitu unsur riba\u2019, gharar (ragu-ragu) dan juga masyir (judi).<\/p>\n\n\n\n<p>Bagi umat Islam sendiri, mencari yang halal untuk dimakan atau digunakan adalah wajib dan merupakan suatu perkara yang difardukan oleh Allah.<\/p>\n\n\n\n<p>Justeru menurut Muzakarah Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia (MJFK), berdasarkan kepada keputusan mengenai perbahasan tentang status insurans konvensional, ia menyatakan bahawa secara umumnya semua jenis insurans konvensional sama ada insurans am, insurans nyawa, serta memperomosikannya juga adalah haram kerana ia mempunyai tiga unsur seperti yang telah dinyatakan di atas.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_manakah_patut_diambil\"><\/span>Perlindungan manakah patut diambil?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kedua-duanya memberikan fungsi yang sama, iaitu untuk menyediakan perlindungan buat kenderaan dari sebarang risiko seperti kemalangan, kecurian atau kebakaran.&nbsp;<\/p>\n\n\n\n<p>Namun untuk umat Islam, mereka wajib mengambil perlindungan yang tidak mempunyai unsur diharamkan oleh agama. <\/p>\n\n\n\n<p>Anas bin Malik meriwayatkan dari Rasulullah SAW, bersabda;<em> \u201cMencari yang halal adalah suatu kewajipan ke atas setiap Muslim\u201d. Diriwayatkan oleh al-Thabarani dengan sanad yang baik (hasan).&nbsp;<\/em><\/p>\n\n\n\n<p>Pilihan adalah terletak di tangan anda. Anda juga boleh melihat dan memperbaharui insurans kereta mahupun takaful melalui Bjak. Semestinya harga yang terbaik dan kompetitif disediakan untuk anda pilih. <\/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 <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=insurans-kereta-konvensional-vs-takaful-kereta\">sebut\u00a0harga percuma<\/a>\u00a0di Bjak dan pilih pelan terbaik hari ini!<\/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=insurans-kereta-konvensional-vs-takaful-kereta\">Renew Insurans<\/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\/takaful-malaysia-insurans-kereta\/\">Takaful Malaysia Insurans Kereta \u2013 Beli Pelan Komprehensif Terbaik Untuk Kenderaan<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/senarai-syarikat-insurans-takaful-kereta-di-malaysia\/\">Senarai Syarikat Insurans Kereta &amp; Takaful di Malaysia<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/senarai-talian-hotline-syarikat-insurans-di-malaysia-yang-boleh-dihubungi-2023\/\">Senarai Talian Hotline Syarikat Insurans di Malaysia Yang Boleh Dihubungi (2023)<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Pemilik kereta di Malaysia mempunyai pilihan untuk memperbaharui insurans dengan insurans konvensional mahupun Takaful kereta.<\/p>\n","protected":false},"author":4,"featured_media":5500,"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":[26,243,362],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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