{"id":5266,"date":"2021-10-09T17:34:13","date_gmt":"2021-10-09T09:34:13","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=5266"},"modified":"2023-06-28T16:20:50","modified_gmt":"2023-06-28T08:20:50","slug":"fahami-liberalisasi-tarif-insurans-motor","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-liberalisasi-tarif-insurans-motor","title":{"rendered":"Fahami Liberalisasi Tarif Insurans Motor"},"content":{"rendered":"\n<p>Bermula pada 1 Julai 2017, Bank Negara Malaysia (BNM) telah melaksanakan langkah liberalisasi tarif insurans motor dengan memperkenalkan penetapan harga fleksibel untuk produk insurans kenderaan komprehensif, dan insurans pihak ketiga kebakaran dan kecurian kenderaan.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5848\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-liberalisasi-tarif-insurans-motor\/attachment\/image-1_-bank-negara-malaysia-bnm-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM-1.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_-Bank-Negara-Malaysia-BNM-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM-1.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM-1.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_-Bank-Negara-Malaysia-BNM-1-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Langkah Liberalisasi Tarif Insurans Motor telah dilaksanakan pada 1 Julai 2017 oleh Bank Negara Malaysia\" class=\"wp-image-5848\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM-1.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM-1.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM-1.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM-1.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM-1.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\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-liberalisasi-tarif-insurans-motor\">Renew Online<\/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-69deaec224cc7\" 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-69deaec224cc7\"><\/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-liberalisasi-tarif-insurans-motor\/#Apakah_yang_dimaksudkan_dengan_liberalisasi_insurans_motor\" title=\"Apakah yang dimaksudkan dengan liberalisasi insurans motor?\">Apakah yang dimaksudkan dengan liberalisasi insurans motor?<\/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-liberalisasi-tarif-insurans-motor\/#Apakah_yang_dimaksudkan_dengan_tarif_insurans_motor\" title=\"Apakah yang dimaksudkan dengan tarif insurans motor?\">Apakah yang dimaksudkan dengan tarif insurans motor?<\/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-liberalisasi-tarif-insurans-motor\/#Bagaimanakah_premium_insurans_dikira_sebelum_1_Julai_2017\" title=\"Bagaimanakah premium insurans dikira sebelum 1 Julai 2017?\">Bagaimanakah premium insurans dikira sebelum 1 Julai 2017?<\/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-liberalisasi-tarif-insurans-motor\/#Bagaimanakah_premium_insurans_kenderaan_ditetapkan_mulai_1_Julai_2017\" title=\"Bagaimanakah premium insurans kenderaan ditetapkan mulai 1 Julai 2017?\">Bagaimanakah premium insurans kenderaan ditetapkan mulai 1 Julai 2017?<\/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\/fahami-liberalisasi-tarif-insurans-motor\/#Sejak_bilakah_Liberalisasi_Tarif_Motor_dilaksanakan\" title=\"Sejak bilakah Liberalisasi Tarif Motor dilaksanakan?\">Sejak bilakah Liberalisasi Tarif Motor dilaksanakan?<\/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\/fahami-liberalisasi-tarif-insurans-motor\/#Kesan_pelaksanaan_Liberalisasi_Tarif_Motor_terhadap_pemilik_kenderaan\" title=\"Kesan pelaksanaan Liberalisasi Tarif Motor terhadap pemilik kenderaan\">Kesan pelaksanaan Liberalisasi Tarif Motor terhadap pemilik kenderaan<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-liberalisasi-tarif-insurans-motor\/#Manfaat_serta_kesan_pelaksanaan_liberalisasi_tarif_motor_kepada_anda\" title=\"Manfaat serta kesan pelaksanaan liberalisasi tarif motor kepada anda&nbsp;\">Manfaat serta kesan pelaksanaan liberalisasi tarif motor kepada anda&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-liberalisasi-tarif-insurans-motor\/#Bagaimana_untuk_buat_perbandingan_insurans\" title=\"Bagaimana untuk buat perbandingan insurans?\">Bagaimana untuk buat perbandingan insurans?<\/a><\/li><\/ul><\/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\/fahami-liberalisasi-tarif-insurans-motor\/#Adakah_pelaksanaan_liberalisasi_ini_akan_memberi_kesan_kepada_kadar_NCD_sedia_ada\" title=\"Adakah pelaksanaan liberalisasi ini akan memberi kesan kepada kadar NCD sedia ada?\">Adakah pelaksanaan liberalisasi ini akan memberi kesan kepada kadar NCD sedia ada?<\/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\/fahami-liberalisasi-tarif-insurans-motor\/#Selepas_pelaksanaan_liberalisasi_adakah_polisi_insurans_pihak_ketiga_masih_ditawarkan\" title=\"Selepas pelaksanaan liberalisasi, adakah polisi insurans pihak ketiga masih ditawarkan?\">Selepas pelaksanaan liberalisasi, adakah polisi insurans pihak ketiga masih ditawarkan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-liberalisasi-tarif-insurans-motor\/#Apa_yang_anda_perlu_lakukan_selepas_pelaksanaan_liberalisasi\" title=\"Apa yang anda perlu lakukan selepas pelaksanaan liberalisasi?\">Apa yang anda perlu lakukan selepas pelaksanaan liberalisasi?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_yang_dimaksudkan_dengan_liberalisasi_insurans_motor\"><\/span>Apakah yang dimaksudkan dengan liberalisasi insurans motor?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Liberalisasi insurans bermaksud harga produk-produk insurans\/takaful motor tidak akan lagi ditentukan berdasarkan Tarif Motor (senarai harga yang telah ditetapkan). Sebaliknya, harga akan ditentukan oleh setiap penanggung insurans dan pengendali takaful.<\/p>\n\n\n\n<p>Dengan itu, <strong>pengguna kini boleh menikmati pilihan produk insurans\/takaful motor yang lebih luas pada harga yang kompetitif <\/strong>memandangkan liberalisasi menggalakkan inovasi dan persaingan antara penanggung insurans dengan pengendali takaful.<\/p>\n\n\n\n<p>Penanggung insurans dan pengendali takaful boleh mengenakan premium atau sumbangan takaful yang berpadanan dengan faktor risiko yang lebih luas yang sedia ada dalam kumpulan pemegang polisi yang diinsuranskan dan juga menjual produk-produk baharu yang tidak ditetapkan di bawah <strong>tarif<\/strong>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_yang_dimaksudkan_dengan_tarif_insurans_motor\"><\/span>Apakah yang dimaksudkan dengan<strong> <\/strong>tarif insurans motor?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tarif adalah senarai set harga tetap yang diwujudkan di bawah akta insurans untuk menyelaraskan dan mengawal caj premium dan susunan kata polisi.&nbsp;<\/p>\n\n\n\n<p>Contohnya seperti polisi insurans\/sijil takaful motor. Apabila premium\/sumbangan takaful dikenakan tarif, syarikat insurans\/takaful tidak dibenarkan untuk mengubah harga yang dikenakan ke atas polisi insurans\/sijil takaful.<\/p>\n\n\n\n<p>Sebagai pihak berkuasa bagi institusi kewangan, BNM merupakan institusi yang bertanggungjawab untuk mengawal dan mengawasi kadar Tarif.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimanakah_premium_insurans_dikira_sebelum_1_Julai_2017\"><\/span>Bagaimanakah premium insurans dikira sebelum 1 Julai 2017?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebelum pelaksanaan liberalisasi tarif motor oleh BNM, <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium insurans kereta<\/a> dan motor\u00a0dikira berdasarkan jumlah perlindungan dan model kenderaan. Selain itu, penanggung insurans boleh menggunakan bebanan premium terhad berdasarkan umur pemandu dan jumlah kemalangan yang pernah dialami. Bergantung pada rekod tuntutan pemandu, premium yang perlu dibayar akan diselaraskan dengan diskaun (Diskaun Tanpa Tuntutan atau NCD). Rujuk artikel ini untuk ketahui <a href=\"https:\/\/bjak.my\/blog\/tukar-ncd-kepada-kereta-lain\/\">apa itu NCD insuran kereta<\/a>.<\/p>\n\n\n\n<p>Lazimnya, pemandu yang mempunyai rekod memandu yang baik akan menikmati peratusan NCD yang lebih tinggi sehingga 55%.<\/p>\n\n\n\n<p>Walau bagaimanapun, pemandu mungkin menerima sebut harga yang berbeza daripada penanggung insurans yang berbeza disebabkan faktor-faktor lain seperti dinyatakan di atas.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimanakah_premium_insurans_kenderaan_ditetapkan_mulai_1_Julai_2017\"><\/span>Bagaimanakah premium insurans kenderaan ditetapkan mulai 1 Julai 2017?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Mulai 1 Julai 2017, dalam persekitaran yang liberal, lebih banyak faktor risiko akan diambil kira untuk menentukan premium. Selain nilai diinsuranskan, keupayaan enjin kenderaan, umur kenderaan dan umur pemandu, premium mungkin didorong oleh faktor lain.&nbsp;<\/p>\n\n\n\n<p>Faktor-faktor ini mungkin termasuk ciri-ciri keselamatan di dalam kenderaan, tempoh kenderaan itu berada di jalan raya, lokasi geografi kenderaan (dalam kawasan yang mengalami insiden kecurian yang tinggi) dan kesalahan lalu lintas yang pernah dialami.&nbsp;<\/p>\n\n\n\n<p>Faktor-faktor ini akan menentukan profil risiko kumpulan pemegang polisi yang akan menentukan premium. Memandangkan setiap penanggung insurans dan pengendali takaful mempunyai cara yang berbeza-beza dalam menentukan profil risiko kumpulan, harga polisi motor akan berbeza daripada satu penanggung insurans kepada penanggung insurans yang lain.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Sejak_bilakah_Liberalisasi_Tarif_Motor_dilaksanakan\"><\/span>Sejak bilakah Liberalisasi Tarif Motor dilaksanakan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Fasa pertama Liberalisasi Tarif Motor dan Tarif Kebakaran telah diperkenalkan pada 1 Julai 2016. Semasa fasa permulaan ini, penanggung insurans dan pengendali takaful diberikan fleksibiliti untuk menawarkan produk baharu motor dan perlindungan tambahan yang tidak ditetapkan di bawah tarif yang sedia ada.<\/p>\n\n\n\n<p>Mulai 1 Julai 2017, kadar premium bagi produk Motor Komprehensif; dan produk Pihak Ketiga, Kebakaran dan Kecurian Motor akan diliberalisasikan di mana harga premium akan ditentukan oleh penanggung insurans dan pengendali takaful masing-masing.<\/p>\n\n\n\n<p>Walau bagaimanapun, kadar premium bagi produk Motor Pihak Ketiga akan terus tertakluk kepada kadar tarif.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesan_pelaksanaan_Liberalisasi_Tarif_Motor_terhadap_pemilik_kenderaan\"><\/span>Kesan pelaksanaan Liberalisasi Tarif Motor terhadap pemilik kenderaan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Dengan liberalisasi, kadar premium tidak lagi akan ditetapkan&nbsp; berdasarkan kepada model, usia dan kapasiti enjin kenderaan yang diinsuranskan.<\/p>\n\n\n\n<p>Premium terkini akan dikenakan berdasarkan profil risiko yang diinsuranskan, misalnya seperti pemanduan yang selamat, sejarah tuntutan, dan lain-lain. Dengan penilaian subjektif ini, pasti akan terdapat perbezaan dalam premium di kalangan syarikat-syarikat insurans dan takaful.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Manfaat_serta_kesan_pelaksanaan_liberalisasi_tarif_motor_kepada_anda\"><\/span>Manfaat serta kesan pelaksanaan liberalisasi tarif motor kepada anda&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5850\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-liberalisasi-tarif-insurans-motor\/attachment\/image-2_-perbandingan-harga-company-a-company-b-_-company-c\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Perbandingan-harga-company-A-company-B-_-company-C.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_-Perbandingan-harga-company-A-company-B-_-company-C\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Perbandingan-harga-company-A-company-B-_-company-C.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Perbandingan-harga-company-A-company-B-_-company-C.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-2_-Perbandingan-harga-company-A-company-B-_-company-C-1024x1024.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Pelaksanaan liberalisasi tarif insurans membolehkan pengguna melakukan perbandingan dengan beberapa syarikat sebelum membeli insurans.\" class=\"wp-image-5850\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Perbandingan-harga-company-A-company-B-_-company-C.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Perbandingan-harga-company-A-company-B-_-company-C.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Perbandingan-harga-company-A-company-B-_-company-C.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Perbandingan-harga-company-A-company-B-_-company-C.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Perbandingan-harga-company-A-company-B-_-company-C.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption><em>Selepas pelaksanaan liberalisasi, pengguna kini boleh melakukan perbandingan dengan beberapa syarikat insurans untuk mendapatkan perlindungan insurans yang terbaik<\/em><\/figcaption><\/figure>\n\n\n\n<p>Dengan pelaksanaan liberalisasi ini, pengguna perlu menjadi lebih bijak dengan melakukan perbandingan di antara beberapa syarikat terlebih dahulu bagi memilih perlindungan insurans mahupun takaful. Ini kerana syarikat-syarikat insurans\/ pengendali takaful pastinya menawarkan premium yang berbeza meskipun untuk perlindungan yang sama selepas wujudnya liberalisasi ini.<\/p>\n\n\n\n<p>Dengan perbandingan itu, anda sebagai pengguna bakal melihat pelbagai rangkaian produk yang pelbagai pada harga yang kompetitif akibat daripada kewujudan persaingan yang lebih sengit dalam kalangan penanggung insurans dan pengendali takaful.<\/p>\n\n\n\n<p>Kesannya, <strong>anda sebagai pengguna berpeluang untuk mendapatkan perlindungan terbaik yang memenuhi keperluan insurans anda dengan kewujudan produk baharu dengan ciri yang berbeza.<\/strong><\/p>\n\n\n\n<p>Bahkan, hasil daripada perbandingan itu, anda pastinya memperoleh manfaat apabila boleh <strong>mendapatkan perlindungan terbaik yang bersesuaian dengan keperluan anda ekoran daripada penetapan harga yang kompetitif <\/strong>oleh syarikat-syarikat insurans serta pengendali takaful.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Bagaimana_untuk_buat_perbandingan_insurans\"><\/span>Bagaimana untuk buat perbandingan insurans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Untuk membuat perbandingan insurans adalah mudah. Anda boleh pergi ke laman web syarikat insurans yang diinginkan dan minta sebut harga secara <em>online. <\/em>Contoh, jika anda ingin melihat sebut harga daripada syarikat A, pergi sahaja ke laman web syarikat&nbsp; A itu dan berikan maklumat ringkas yang diminta bagi menerima sebut harga. Senaraikan sekurang-kurangnya 3 syarikat insurans untuk anda bandingkan supaya anda dapat menilai syarikat serta perlindungan insurans yang terbaik.<\/p>\n\n\n\n<p>Selain itu, anda juga boleh membandingkan insurans kereta melalui MyEG, salah satu platform yang membandingkan polisi-polisi insurans kereta secara online. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_pelaksanaan_liberalisasi_ini_akan_memberi_kesan_kepada_kadar_NCD_sedia_ada\"><\/span>Adakah pelaksanaan liberalisasi ini akan memberi kesan kepada kadar NCD sedia ada?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tidak. Kadar NCD anda tidak anda berubah dan masih boleh dipindahkan daripada satu syarikat insurans atau pengendali takaful kepada syarikat insurans atau pengendali takaful yang lain. Anda masih layak mendapat NCD yang sepatutnya anda peroleh.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5851\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-liberalisasi-tarif-insurans-motor\/attachment\/image-3_-will-put-kadar-ncd-untuk-kereta\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Will-put-kadar-NCD-untuk-kereta-.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-3_-Will-put-kadar-NCD-untuk-kereta-\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Will-put-kadar-NCD-untuk-kereta-.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Will-put-kadar-NCD-untuk-kereta-.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Will-put-kadar-NCD-untuk-kereta--1024x1024.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kadar NCD untuk kereta\" class=\"wp-image-5851\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Will-put-kadar-NCD-untuk-kereta-.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Will-put-kadar-NCD-untuk-kereta-.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Will-put-kadar-NCD-untuk-kereta-.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Will-put-kadar-NCD-untuk-kereta-.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Will-put-kadar-NCD-untuk-kereta-.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=\"Selepas_pelaksanaan_liberalisasi_adakah_polisi_insurans_pihak_ketiga_masih_ditawarkan\"><\/span>Selepas pelaksanaan liberalisasi, adakah polisi insurans pihak ketiga masih ditawarkan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ya, polisi insurans pihak ketiga masih ditawarkan kepada pengguna yang ingin membeli perlindungan insurans asas pada kadar tarif.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_yang_anda_perlu_lakukan_selepas_pelaksanaan_liberalisasi\"><\/span>Apa yang anda perlu lakukan selepas pelaksanaan liberalisasi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Memandangkan selepas pelaksanaan liberalisasi syarikat-syarikat insurans menawarkan premium yang berbeza untuk perlindungan yang sama, jadi anda sebagai pengguna perlulah melakukan perbandingan dahulu dengan sekurang-kurangnya tiga syarikat insurans bagi melihat perlindungan dan harga terbaik.<\/p>\n\n\n\n<p>Sekiranya anda ingin lakukan perbandingan dengan lebih mudah, gunakan sahaja platform online Bjak yang menyediakan 15 syarikat insurans yang diiktiraf untuk dipilih. Minta dulu sebut harga secara percuma dan pilih ikut keperluan kenderaan anda. <\/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=fahami-liberalisasi-tarif-insurans-motor\">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-liberalisasi-tarif-insurans-motor\">Renew Online<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Baca juga:&nbsp;<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/risiko-pemandu-adakah-anda-pemandu-berisiko-tinggi-atau-rendah\/\">Risiko Pemandu: Adakah Anda Pemandu Berisiko Tinggi Atau Rendah?&nbsp;<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/5-perkara-yang-perlu-anda-tahu-sebelum-membuat-tuntutan-insurans\/\">5 Perkara Yang Perlu Anda Tahu Sebelum Membuat Tuntutan Insurans<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/kesilapan-yang-perlu-dielakkan-semasa-memfailkan-tuntutan-insurans-kemalangan-kereta\/\">Kesilapan Yang Perlu Dielakkan Semasa Memfailkan Tuntutan Insurans Kemalangan Kereta<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bermula 1 Julai 2017, Bank Negara Malaysia (BNM) telah melaksanakan langkah liberalisasi tarif insurans motor dengan memperkenalkan penetapan harga fleksibel untuk produk insurans kenderaan komprehensif, dan insurans pihak ketiga kebakaran dan kecurian kenderaan.<\/p>\n","protected":false},"author":4,"featured_media":5422,"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],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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