{"id":5274,"date":"2021-10-10T22:18:32","date_gmt":"2021-10-10T14:18:32","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=5274"},"modified":"2023-08-10T10:09:56","modified_gmt":"2023-08-10T02:09:56","slug":"jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta","title":{"rendered":"Jenis-jenis Perlindungan Tambahan Untuk Insurans Kereta"},"content":{"rendered":"\n<p>Pemilik kereta perlu tahu bahawa meskipun <a href=\"https:\/\/bjak.my\/blog\/kenapa-anda-perlu-beli-insurans-kereta-1st-party\/\">insurans kereta 1st party<\/a> dikatakan memberi perlindungan menyeluruh, namun ia tidak menawarkan perlindungan untuk beberapa kejadian seperti kerosakan kereta akibat banjir, cermin kereta retak, kehilangan aksesori kereta dan lain-lain. <\/p>\n\n\n\n<p>Jadi, di sinilah bagaimana perlindungan tambahan ini penting untuk dimasukkan dalam <a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">polisi insurans kereta<\/a> anda. Ia bagi memastikan kenderaan anda mendapatkan perlindungan yang mencukupi dan membantu anda untuk mendapatkan pampasan sewajarnya apabila memerlukan kelak.&nbsp;<\/p>\n\n\n\n<p>Terdapat banyak perlindungan tambahan yang disediakan oleh syarikat insurans untuk pemilik kereta pilih dan dapatkan. Antaranya:<\/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-69d77098c2a44\" 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-69d77098c2a44\"><\/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\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Perlindungan_cermin_keretawindscreen\" title=\"Perlindungan cermin kereta\/windscreen\">Perlindungan cermin kereta\/windscreen<\/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\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Perlindungan_peril_khas_bencana_alam\" title=\"Perlindungan peril khas (bencana alam)\">Perlindungan peril khas (bencana alam)<\/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\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Perlindungan_pemandu_tambahan\" title=\"Perlindungan pemandu tambahan\">Perlindungan pemandu 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\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Perlindungan_semua_pemandu\" title=\"Perlindungan semua pemandu\">Perlindungan semua pemandu<\/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\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Perlindungan_aksesori_tambahan\" title=\"Perlindungan aksesori tambahan\">Perlindungan aksesori tambahan<\/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\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Perlindungan_tambahan_rusuhan_kemusnahan_awam\" title=\"Perlindungan tambahan rusuhan &amp; kemusnahan awam\">Perlindungan tambahan rusuhan &amp; kemusnahan awam<\/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\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Perlindungan_liabiliti_undang-undang\" title=\"Perlindungan liabiliti undang-undang&nbsp;\">Perlindungan liabiliti undang-undang&nbsp;<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Liabiliti_Undang-undang_kepada_Penumpang\" title=\"Liabiliti Undang-undang kepada Penumpang\">Liabiliti Undang-undang kepada Penumpang<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Perlindungan_Liabiliti_Penumpang_di_sisi_undang-undang\" title=\"Perlindungan Liabiliti Penumpang di sisi undang-undang\">Perlindungan Liabiliti Penumpang di sisi undang-undang<\/a><\/li><\/ul><\/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\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Pampasan_untuk_taksiran_masa_pembaikan_CART\" title=\"Pampasan untuk taksiran masa pembaikan (CART)\">Pampasan untuk taksiran masa pembaikan (CART)<\/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\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Perlindungan_tambahan_waiver_of_betterment\" title=\"Perlindungan tambahan waiver of betterment\">Perlindungan tambahan waiver of betterment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Perlindungan_kemalangan_peribadi\" title=\"Perlindungan kemalangan peribadi \">Perlindungan kemalangan peribadi <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Perlindungan_tambahan_e-hailing\" title=\"Perlindungan tambahan e-hailing\">Perlindungan tambahan e-hailing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Perlindungan_khidmat_tunda_tanpa_had\" title=\"Perlindungan khidmat tunda tanpa had\">Perlindungan khidmat tunda tanpa had<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Beri_perlindungan_yang_bersesuaian_untuk_kereta_anda\" title=\"Beri perlindungan yang bersesuaian untuk kereta anda\">Beri perlindungan yang bersesuaian untuk kereta anda<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_cermin_keretawindscreen\"><\/span>Perlindungan cermin kereta\/<em>windscreen<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5856\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/attachment\/image-1_-windscreen-retak\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Windscreen-retak.jpg?fit=1600%2C1200&amp;ssl=1\" data-orig-size=\"1600,1200\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;3.3&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;DMC-TZ70&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;4.3&quot;,&quot;iso&quot;:&quot;80&quot;,&quot;shutter_speed&quot;:&quot;0.005&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Image-1_-Windscreen-retak\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Windscreen-retak.jpg?fit=300%2C225&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Windscreen-retak.jpg?fit=1024%2C768&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"768\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Windscreen-retak-1024x768.jpg?resize=1024%2C768&#038;ssl=1\" alt=\"Perlindungan tambahan cermin kereta (windscreen)\" class=\"wp-image-5856\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Windscreen-retak.jpg?resize=1024%2C768&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Windscreen-retak.jpg?resize=300%2C225&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Windscreen-retak.jpg?resize=768%2C576&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Windscreen-retak.jpg?resize=1536%2C1152&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Windscreen-retak.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Cermin kereta adalah antara komponen yang paling terdedah dengan risiko. Dengan memiliki perlindungan tambahan ini, syarikat insurans akan membantu membayar kerugian untuk menggantikan cermin kereta anda yang telah retak, tanpa memberi kesan kepada kadar NCD sedia ada anda.<\/p>\n\n\n\n<p>Premium untuk perlindungan tambahan bagi cermin kereta adalah sekitar 15% daripada jumlah diinsuranskan untuk cermin kereta. Jadi, andai kata harga untuk cermin kereta anda adalah RM800, anda perlu membayar tidak lebih daripada RM120 untuk premium perlindungan ini, setahun.<\/p>\n\n\n\n<p>Perlindungan ini hanya boleh digunakan sekali sahaja sepanjang tempoh polisi. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_peril_khas_bencana_alam\"><\/span>Perlindungan peril khas (bencana alam)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5855\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/attachment\/image-2-_-car-flood\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Car-Flood.jpg?fit=1600%2C1067&amp;ssl=1\" data-orig-size=\"1600,1067\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;11&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;Canon EOS REBEL T5&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;18&quot;,&quot;iso&quot;:&quot;100&quot;,&quot;shutter_speed&quot;:&quot;0.008&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Special perils coverage (natural disaster)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Car-Flood.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Car-Flood.jpg?fit=1024%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Car-Flood-1024x683.jpg?resize=1024%2C683&#038;ssl=1\" alt=\"Perlindungan tambahan bencana alam (peril khas) seperti banjir\" class=\"wp-image-5855\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Car-Flood.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Car-Flood.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Car-Flood.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Car-Flood.jpg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-_-Car-Flood.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Banjir, tanah runtuh, pokok tumbang. Kejadian-kejadian seperti ini mungkin akan berlaku pada bila-bila masa sehingga mungkin turut menyebabkan kerosakan pada kereta anda.&nbsp;<\/p>\n\n\n\n<p>Justeru, pemilik kereta digalakkan untuk mendapatkan perlindungan tambahan ini bagi memastikan kereta anda dilindungi dengan lebih baik, dan mengurangkan bebanan kos kewangan sekiranya ia berlaku. Perlindungan ini sememangnya mustahak bagi kawasan-kawasan yang sering mengalami banjir.<\/p>\n\n\n\n<p>Pada kebiasaannya, premium bagi perlindungan ini adalah sekitar 0.5% daripada jumlah diinsuranskan, namun ia mungkin berbeza mengikut syarikat insurans dan pengendali Takaful.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_pemandu_tambahan\"><\/span>Perlindungan pemandu tambahan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5862\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/attachment\/image-3_-pemandu-tambahan\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.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=\"Additional driver coverage\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.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-3_-Pemandu-tambahan-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Perlindungan pemandu tambahan\" class=\"wp-image-5862\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Sekiranya kereta yang dilindungi sering dipandu oleh orang lain selain pemilik kereta, perlindungan ini amatlah penting untuk memastikan perlindungan yang lengkap.&nbsp; <\/p>\n\n\n\n<p>Tanpa perlindungan ini, sekiranya kereta terlibat dalam kemalangan semasa ia dipandu oleh orang lain, syarikat insurans berhak untuk menolak tuntutan tersebut ataupun mengenakan excess kepada pemilik kereta.<\/p>\n\n\n\n<p>Di Malaysia, pemilik kereta boleh menamakan satu pemandu (selain pemilik) untuk dimasukkan ke dalam polisi secara percuma. Nama tambahan pula akan dikenakan caj RM10 seorang. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_semua_pemandu\"><\/span>Perlindungan semua pemandu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5857\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/attachment\/image-6_-all-driver-someone-yg-tgh-drive-ke-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?fit=1600%2C1068&amp;ssl=1\" data-orig-size=\"1600,1068\" 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=\"All driver coverage\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?fit=1024%2C684&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"684\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-1024x684.jpg?resize=1024%2C684&#038;ssl=1\" alt=\"Perlindungan semua pemandu \" class=\"wp-image-5857\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?resize=1024%2C684&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?resize=768%2C513&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?resize=1536%2C1025&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?resize=2048%2C1367&amp;ssl=1 2048w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-6_-All-driver-someone-yg-tgh-drive-ke-1-scaled.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Perlindungan ini berguna untuk kereta peribadi yang digunakan oleh melebihi tiga orang pemandu. Dengan perlindungan ini, ia akan memberi perlindungan kepada semua pemandu daripada risiko kemalangan.<\/p>\n\n\n\n<p>Pada kebiasaannya, premium bagi perlindungan ini adalah RM20. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_aksesori_tambahan\"><\/span>Perlindungan aksesori tambahan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5861\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/attachment\/image-4_-any-aksesori-kereta-yang-sesuai-cth_-kerusi-kulit_-sport-rim-baru\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Any-aksesori-kereta-yang-sesuai-cth_-kerusi-kulit_-sport-rim-baru.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=\"Additional accessory coverage\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Any-aksesori-kereta-yang-sesuai-cth_-kerusi-kulit_-sport-rim-baru.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Any-aksesori-kereta-yang-sesuai-cth_-kerusi-kulit_-sport-rim-baru.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Any-aksesori-kereta-yang-sesuai-cth_-kerusi-kulit_-sport-rim-baru-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Perlindungan aksesori tambahan\" class=\"wp-image-5861\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Any-aksesori-kereta-yang-sesuai-cth_-kerusi-kulit_-sport-rim-baru.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Any-aksesori-kereta-yang-sesuai-cth_-kerusi-kulit_-sport-rim-baru.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Any-aksesori-kereta-yang-sesuai-cth_-kerusi-kulit_-sport-rim-baru.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Any-aksesori-kereta-yang-sesuai-cth_-kerusi-kulit_-sport-rim-baru.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Any-aksesori-kereta-yang-sesuai-cth_-kerusi-kulit_-sport-rim-baru.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Sekiranya kereta dilengkapi dengan pelbagai aksesori tambahan yang bernilai, maka pemilik kereta dinasihat mengambil perlindungan tambahan ini.<\/p>\n\n\n\n<p>Ini kerana, jika berlaku kejadian seperti kecurian atau kerosakan terhadap aksesori tambahan kereta yang diinsuranskan, maka pemilik boleh mendapatkan ganti rugi dengan membuat tuntutan daripada syarikat insurans.<\/p>\n\n\n\n<p>Premium bagi perlindungan tambahan ini adalah 15% daripada jumlah aksesori yang dilindungi.&nbsp;&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_tambahan_rusuhan_kemusnahan_awam\"><\/span>Perlindungan tambahan rusuhan &amp; kemusnahan awam<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5858\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/attachment\/image-5_-riot-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Riot-1.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;4.5&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;ILCE-6000&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;27&quot;,&quot;iso&quot;:&quot;100&quot;,&quot;shutter_speed&quot;:&quot;0.00625&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Additional coverage for riot\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Riot-1.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Riot-1.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Riot-1-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Perlindungan tambahan rusuhan &amp; kemusnahan awam\" class=\"wp-image-5858\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Riot-1.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Riot-1.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Riot-1.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Riot-1.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-5_-Riot-1.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Perlindungan ini akan melindungi kereta daripada kerosakan atau kehilangan yang diakibatkan oleh rusuhan dan kemusnahan awam. Pada kebiasaannya, kadar premium bagi perlindungan tambahan ini adalah sekitar 0.3% daripada jumlah yang diinsuranskan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_liabiliti_undang-undang\"><\/span>Perlindungan liabiliti undang-undang&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5859\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/attachment\/image-7_-passenger-in-a-car-with-driver\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-7_-Passenger-in-a-car-with-driver.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=\"Legal liability protection\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-7_-Passenger-in-a-car-with-driver.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-7_-Passenger-in-a-car-with-driver.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-7_-Passenger-in-a-car-with-driver-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Perlindungan tambahan liabiliti undang-undang\u00a0\" class=\"wp-image-5859\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-7_-Passenger-in-a-car-with-driver.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-7_-Passenger-in-a-car-with-driver.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-7_-Passenger-in-a-car-with-driver.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-7_-Passenger-in-a-car-with-driver.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-7_-Passenger-in-a-car-with-driver.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-7_-Passenger-in-a-car-with-driver.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Terdapat dua jenis perlindungan liabiliti undang-undang di Malaysia<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Liabiliti_Undang-undang_kepada_Penumpang\"><\/span><strong>Liabiliti Undang-undang kepada Penumpang<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Perlindungan ini melindungi pemilik atau pemandu tambahan daripada liabiliti undang-undang yang diambil terhadap pemandu oleh penumpang. Perlindungan ini adalah wajib bagi kereta yang masuk ke Singapura.&nbsp;<\/p>\n\n\n\n<p><strong><em>Contoh:<\/em><\/strong><em> Jika kereta yang dipandu oleh anda terlibat dalam kemalangan sehingga menyebabkan kecederaan pada penumpang anda, mereka boleh bertindak menyaman anda jika terbukti kemalangan itu berpunca daripada kecuaian.<\/em><\/p>\n\n\n\n<p>Dengan perlindungan ini, ia akan melindungi pemilik kereta daripada risiko ini dengan membayar kos kerugian yang ditanggung akibat liabiliti tersebut<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Perlindungan_Liabiliti_Penumpang_di_sisi_undang-undang\"><\/span><strong>Perlindungan Liabiliti Penumpang di sisi undang-undang<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Perlindungan ini melindungi pemilik kereta terhadap sebarang tindakan liabiliti undang-undang ke atas kelalaian yang dilakukan oleh penumpang.<\/p>\n\n\n\n<p><strong><em>Contoh:<\/em><\/strong><em> Rakan yang anda bawa secara tiba-tiba bertindak membuka pintu kereta sehingga mengakibatkan kemalangan kepada penunggang motosikal yang kebetulan melalui jalan itu. Kesalahan yang dilakukan oleh rakan anda itu boleh menyebabkan anda disaman kerana telah menyebabkan kecederaan ke atas penunggang itu.<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pampasan_untuk_taksiran_masa_pembaikan_CART\"><\/span>Pampasan untuk taksiran masa pembaikan (CART)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5860\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/attachment\/image-8-_-kereta-in-bengkel-can-put-kereta-tgh-service-dkt-any-authorized-bengkel-ie-perodua_-proton\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-8-_-Kereta-in-bengkel-can-put-kereta-tgh-service-dkt-any-authorized-bengkel-ie-Perodua_-Proton.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=\"ompensation for estimated repair time (CART)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-8-_-Kereta-in-bengkel-can-put-kereta-tgh-service-dkt-any-authorized-bengkel-ie-Perodua_-Proton.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-8-_-Kereta-in-bengkel-can-put-kereta-tgh-service-dkt-any-authorized-bengkel-ie-Perodua_-Proton.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-8-_-Kereta-in-bengkel-can-put-kereta-tgh-service-dkt-any-authorized-bengkel-ie-Perodua_-Proton-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Perlindungan tambahan pampasan untuk taksiran masa pembaikan (CART)\" class=\"wp-image-5860\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-8-_-Kereta-in-bengkel-can-put-kereta-tgh-service-dkt-any-authorized-bengkel-ie-Perodua_-Proton.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-8-_-Kereta-in-bengkel-can-put-kereta-tgh-service-dkt-any-authorized-bengkel-ie-Perodua_-Proton.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-8-_-Kereta-in-bengkel-can-put-kereta-tgh-service-dkt-any-authorized-bengkel-ie-Perodua_-Proton.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-8-_-Kereta-in-bengkel-can-put-kereta-tgh-service-dkt-any-authorized-bengkel-ie-Perodua_-Proton.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-8-_-Kereta-in-bengkel-can-put-kereta-tgh-service-dkt-any-authorized-bengkel-ie-Perodua_-Proton.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Perlindungan ini memberi jaminan kepada pemegang polisi bahawa syarikat insurans akan membayar pampasan bagi masa di mana <strong>kenderaan kehilangan pengunaan<\/strong>.&nbsp;Tetapi pampasan hanya diberi jika anda bukan pihak bersalah dalam kemalangan tersebut.<\/p>\n\n\n\n<p>Masa yang dibenarkan berdasarkan anggaran seorang <em>adjuster<\/em> bagi bilangan hari bekerja yang diperlukan untuk membaiki kenderaan akibat kemalangan, bukan bilangan hari kenderaan tersadai di bengkel.<\/p>\n\n\n\n<p>Pampasan ini membolehkan penuntut insurans menyewa kereta pada hari-hari tersebut atau membayar tambang teksi. Premium tambahan bagi perlindungan CART adalah berbeza-beza mengikut syarikat insurans.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_tambahan_waiver_of_betterment\"><\/span>Perlindungan tambahan waiver of betterment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"7332\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/attachment\/image-9_-pembaikan-kerta-di-bengkel_-tukar-alat-ganti-kereta\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-9_-Pembaikan-kerta-di-bengkel_-tukar-alat-ganti-kereta.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-9_-Pembaikan-kerta-di-bengkel_-tukar-alat-ganti-kereta\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-9_-Pembaikan-kerta-di-bengkel_-tukar-alat-ganti-kereta.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-9_-Pembaikan-kerta-di-bengkel_-tukar-alat-ganti-kereta.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-9_-Pembaikan-kerta-di-bengkel_-tukar-alat-ganti-kereta-1080x608.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"Waiver of betterment bakal mengelakkan anda dari membayar caj tambahan untuk alat ganti baharu kereta\" class=\"wp-image-7332\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-9_-Pembaikan-kerta-di-bengkel_-tukar-alat-ganti-kereta.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-9_-Pembaikan-kerta-di-bengkel_-tukar-alat-ganti-kereta.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-9_-Pembaikan-kerta-di-bengkel_-tukar-alat-ganti-kereta.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-9_-Pembaikan-kerta-di-bengkel_-tukar-alat-ganti-kereta.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-9_-Pembaikan-kerta-di-bengkel_-tukar-alat-ganti-kereta.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Waiver of betterment adalah perlindungan tambahan yang mengecualikan caj &#8216;betterment&#8217; yang dikenakan dalam kerja-kerja pembaikan kereta disebabkan kemalangan.<\/p>\n\n\n\n<p>Insurans kereta biasa akan membayar kos pembaikan kenderaan selepas berlakunya kemalangan. Namun, jika berlaku situasi di mana kereta tersebut memerlukan alat ganti baharu untuk digunakan bagi membaiki kereta, maka anda (pemegang polisi) perlu membayar caj tambahan untuk alat ganti baharu itu, yang mana ia disebut sebagai betterment.<\/p>\n\n\n\n<p>Jadi untuk mengelakkan anda dari membayar caj tambahan untuk alat ganti baharu itu, maka anda boleh membeli perlindungan tambahan waiver of betterment ini.<\/p>\n\n\n\n<p>Bagaimanapun, perlindungan tambahan ini hanya layak kepada kenderaan yang berusia 5 hingga 9 tahun sahaja. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_kemalangan_peribadi\"><\/span>Perlindungan kemalangan peribadi <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"7333\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/attachment\/image-10-_-kemalangan-peribadi-1\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-10-_-Kemalangan-Peribadi-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-10-_-Kemalangan-Peribadi-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-10-_-Kemalangan-Peribadi-1.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-10-_-Kemalangan-Peribadi-1.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-10-_-Kemalangan-Peribadi-1-1080x608.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"Perlindungan tambahan kemalangan peribadi disediakan oleh sesetengah syarikat insurans\" class=\"wp-image-7333\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-10-_-Kemalangan-Peribadi-1.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-10-_-Kemalangan-Peribadi-1.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-10-_-Kemalangan-Peribadi-1.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-10-_-Kemalangan-Peribadi-1.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-10-_-Kemalangan-Peribadi-1.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Polisi insurans komprehensif mungkin menyediakan perlindungan yang menyeluruh kepada pemegang polisi, namun ia tetap tidak memberi perlindungan sekiranya diri anda cedera\/mati akibat daripada kemalangan yang berpunca daripada diri anda sendiri. <\/p>\n\n\n\n<p>Jadi, anda boleh mendapatkan perlindungan tambahan kemalangan peribadi yang disediakan oleh sesetengah syarikat insurans seperti MSIG.<\/p>\n\n\n\n<p>Namun, sesetengah syarikat insurans ada menyediakan perlindungan kemalangan peribadi secara percuma di dalam polisi komprehensif seperti Takaful Malaysia dan Liberty Insurance. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_tambahan_e-hailing\"><\/span>Perlindungan tambahan e-hailing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"7335\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/attachment\/image-11_-e-hailing\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-11_-e-hailing.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-11_-e-hailing\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-11_-e-hailing.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-11_-e-hailing.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-11_-e-hailing-1080x608.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"Kerajaan mewajibkan kenderaan yang digunakan untuk perkhidmatan e-hailing supaya mempunyai perlindungan tambahan e-hailing\" class=\"wp-image-7335\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-11_-e-hailing.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-11_-e-hailing.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-11_-e-hailing.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-11_-e-hailing.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-11_-e-hailing.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Kementerian Pengangkutan telah mewajibkan semua kenderaan persendirian yang digunakan untuk perkhidmatan e-hailing supaya mempunyai perlindungan tambahan e-hailing berkuatkuasa 12 Julai 2019 dan seterusnya. Perlindungan tambahan ini boleh dibeli di atas polisi komprehensif sedia ada.<\/p>\n\n\n\n<p>Dengan perlindungan tambahan ini, kenderaan akan dilindungi daripada:<\/p>\n\n\n\n<ul><li>Kerugian atau kerosakan pada kenderaan sendiri<\/li><li>Liabiliti terhadap pihak ketiga<\/li><li>Liabiliti dari segi undang-undang terhadap Penumpang yang Membayar Tambang<\/li><li>Perlindungan kemalangan peribadi berjumlah RM10,000 (berbeza mengikut syarikat insurans) untuk pemandu e-hailing yang sedang bertugas<\/li><\/ul>\n\n\n\n<p>Terdapat beberapa syarikat insurans yang menawarkan perlindungan tambahan e-hailing seperti Lonpac Insurance, Zurich, Liberty Insurance, Allianz, MSIG<a href=\"https:\/\/www.mpigenerali.com\/assets\/pds\/en\/pds\/Motor-Insurance.pdf\"> <\/a>dan MPI Generali <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_khidmat_tunda_tanpa_had\"><\/span>Perlindungan khidmat tunda tanpa had<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"7336\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/attachment\/image-12-_-khidmat-tunda\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-12-_-Khidmat-tunda.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=\"Car towing service\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-12-_-Khidmat-tunda.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-12-_-Khidmat-tunda.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-12-_-Khidmat-tunda-1080x608.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"Anda akan diminta untuk membayar caj   jika melebihi jarak yang ditetapkan tanpa perlindungan tambahan khidmat tunda\" class=\"wp-image-7336\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-12-_-Khidmat-tunda.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-12-_-Khidmat-tunda.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-12-_-Khidmat-tunda.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-12-_-Khidmat-tunda.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-12-_-Khidmat-tunda.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Kebanyakan pelan insurans komprehensif menyediakan perkhidmatan khidmat tunda sehingga RM200 untuk kemalangan, sementara khidmat tunda untuk kerosakan pada kenderaan mungkin disediakan oleh program bantuan motor percuma yang mungkin disertakan bersama polisi. <\/p>\n\n\n\n<p>Walau bagaimanapun, perkhidmatan khidmat tunda yang disediakan seringkali terhad dari segi jarak atau sama dengan jumlah wang. Anda akan diminta untuk membayar caj tambahan jika melebihi jarak yang ditetapkan.<\/p>\n\n\n\n<p>Justeru bagi mengelak daripada membayar caj ini, anda boleh mendapatkan perlindungan tambahan untuk khidmat tunda di dalam polisi komprehensif yang mana ia yang akan memberikan perlindungan lebih luas untuk perkhidmatan khidmat tunda.<\/p>\n\n\n\n<p>Perlindungan tambahan ini pada kebiasaannya menyediakan khidmat tunda untuk kemalangan dan kerosakan tanpa had dalam Malaysia.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Beri_perlindungan_yang_bersesuaian_untuk_kereta_anda\"><\/span>Beri perlindungan yang bersesuaian untuk kereta anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pastikan anda tahu tahap risiko dan penggunaan kereta anda. Dapatkan perlindungan yang secukupnya supaya anda tidak terbeban dengan risiko kewangan pada masa akan datang. Buat penambahan untuk mana-mana perlindungan tambahan kereta di atas sekiranya dirasakan perlu. <\/p>\n\n\n\n<p>Untuk <a href=\"https:\/\/bjak.my\/blog\/adakah-anda-benar-benar-perlukan-6-perlindungan-tambahan-ini-ketika-renew-insurans-kereta\/\">renew insurans kereta<\/a>, anda juga boleh melihat dulu pelan terbaik di platform online Bjak. Buat perbandingan antara 15 syarikat insurans yang disediakan, dan pilih satu yang terbaik dan bersesuaian untuk kereta anda. Minta sebut harga percuma dalam hanya 3 minit sekarang.<\/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&nbsp;<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\">sebut&nbsp;harga percuma<\/a>&nbsp;di 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\">Renew Insurans<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca juga: <\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/cara-claim-insuran-cermin-kereta-kurnia\/\">Cara Claim Insuran Cermin Kereta Kurnia<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/rhb-insurans-kereta\/\">RHB Insurans Kereta \u2013 FREE Towing Sehingga RM300!<\/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><\/ul>\n\n\n\n<p><a href=\"\/#facebook\" rel=\"noreferrer noopener\" target=\"_blank\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Walaupun insurans kereta komprehensif dilihat menyediakan perlindungan menyeluruh, namun ia tidak menawarkan perlindungan untuk beberapa jenis keadaan.<\/p>\n","protected":false},"author":4,"featured_media":41856,"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":[26,243,248],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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