{"id":5275,"date":"2021-10-09T18:18:57","date_gmt":"2021-10-09T10:18:57","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=5275"},"modified":"2023-09-19T13:45:36","modified_gmt":"2023-09-19T05:45:36","slug":"nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu","title":{"rendered":"Nak Beli Insurans Kereta? Ini Perkara Yang Anda Wajib Tahu!"},"content":{"rendered":"\n<p>Kementerian Pengangkutan Malaysia telah mengumumkan pelanjutan bagi tempoh pembaharuan <em>roadtax<\/em> sehingga 31 Disember 2021. Namun, insurans kenderaan wajib &#8216;hidup&#8217; sepanjang masa.<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">Insurans kereta<\/a> anda dah hampir tamat tempoh? Pastikan anda ketahui perkara-perkara di bawah sebelum <em>renew <\/em>insurans kereta anda.<\/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-69d74d9632a2d\" 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-69d74d9632a2d\"><\/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\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/#Jenis-jenis_insurans_kereta\" title=\"Jenis-jenis insurans kereta\">Jenis-jenis insurans kereta<\/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\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/#Perlu_renew_insurans_atau_roadtax_dulu\" title=\"Perlu renew insurans atau roadtax dulu?\">Perlu renew insurans atau roadtax dulu?<\/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\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/#Bila_perlu_renew_insurans_kereta\" title=\"Bila perlu renew insurans kereta?\">Bila perlu renew insurans kereta?<\/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\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/#Boleh_ke_bertukar_ke_syarikat_insurans_lain\" title=\"Boleh ke bertukar ke syarikat insurans lain?\">Boleh ke bertukar ke syarikat insurans lain?<\/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\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/#Dokumen_apa_yang_diperlukan_untuk_renew_insurans\" title=\"Dokumen apa yang diperlukan untuk renew insurans?\">Dokumen apa yang diperlukan untuk renew insurans?<\/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\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/#Jumlah_perlindungan_Nilai_pasaran_market_value_atau_nilai_yang_dipersetujui_agreed_value\" title=\"Jumlah perlindungan: Nilai pasaran (market value) atau nilai yang dipersetujui (agreed value)?\">Jumlah perlindungan: Nilai pasaran (market value) atau nilai yang dipersetujui (agreed value)?<\/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\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/#Berapa_No_Claim_Discount_NCD_kereta_anda\" title=\"Berapa No Claim Discount (NCD) kereta anda?&nbsp;\">Berapa No Claim Discount (NCD) kereta anda?&nbsp;<\/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\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/#Bila_perlu_renew_roadtax\" title=\"Bila perlu renew roadtax?\">Bila perlu renew roadtax?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/#Dapatkan_insurans_kereta_anda_di_Bjak\" title=\"Dapatkan insurans kereta anda di Bjak\">Dapatkan insurans kereta anda di Bjak<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Jenis-jenis_insurans_kereta\"><\/span>Jenis-jenis insurans kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5948\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/attachment\/211008_bjakblog_adilah_a5-01-03\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-03.png?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=\"211008_BjakBlog_Adilah_A5-01-03\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-03.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-03.png?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\/211008_BjakBlog_Adilah_A5-01-03-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Jenis-jenis insurans kereta\" class=\"wp-image-5948\" title=\"Jenis-jenis insurans kereta\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-03.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-03.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-03.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-03.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-03.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Jenis-jenis insurans kereta<\/figcaption><\/figure>\n\n\n\n<p>Sebelum anda <em>renew<\/em> insurans kereta anda, ketahui dulu jenis insurans untuk kereta anda. Terdapat tiga jenis insurans kereta yang anda boleh pilih: (1) Insurans Komprehensif,  (2) Insurans Pihak Ketiga, Kebakaran dan Kecurian, dan (3) Insurans Pihak Ketiga. Baca artikel kami yang lepas untuk memahami jenis <a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">polisi insurans kereta<\/a>.<\/p>\n\n\n\n<p>Penting untuk anda miliki <a href=\"https:\/\/bjak.my\/blog\/beza-insurans-1st-party-dengan-3rd-party\/\">jenis insurans kereta<\/a> yang bersesuaian kerana setiap jenis insurans menawarkan perlindungan yang berbeza.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlu_renew_insurans_atau_roadtax_dulu\"><\/span>Perlu <em>renew <\/em>insurans atau <em>roadtax <\/em>dulu?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6154\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/attachment\/img_2397\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2397.png?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=\"img_2397\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2397.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2397.png?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\/img_2397-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Perlu renew insurans sebelum renew roadtax\" class=\"wp-image-6154\" title=\"Perlu renew insurans sebelum renew roadtax\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2397.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2397.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2397.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2397.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2397.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Perlu <em>renew <\/em>insurans sebelum <em>renew roadtax<\/em><\/figcaption><\/figure>\n\n\n\n<p>Anda mesti <em>renew <\/em>insurans kereta dulu. Lepas dah selesai, barulah boleh <em>renew roadtax. <\/em><\/p>\n\n\n\n<p>Sekarang dah senang nak <em>renew <\/em>insurans dan <em>roadtax. <\/em>Nak tahu apa yang lagi menarik? Anda tak perlu pun keluar rumah untuk <em>renew roadtax <\/em>anda. <em>Renew <\/em>sahaja kedua-dua insurans dan <em>roadtax <\/em>secara <em>online<\/em> dan <em>roadtax <\/em>akan terus dihantar ke pintu rumah anda!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bila_perlu_renew_insurans_kereta\"><\/span>Bila perlu <em>renew <\/em>insurans kereta?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Janganlah tunggu insurans dah tamat baru nak renew insurans. Sebaiknya, <em>renew <\/em>insurans anda dua bulan sebelum tamat tempoh insurans. Ini juga untuk kebaikan anda supaya anda tidak terlepas tarikh tamat.&nbsp;<\/p>\n\n\n\n<p>Sebagai contoh, insurans anda akan tamat pada 15 Disember 2021. <em>Renew <\/em>insurans anda dua bulan lebih awal iaitu pada 15 Oktober 2021. Jangan risau, insurans yang diperbaharui akan bermula pada 16 Disember 2021.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Boleh_ke_bertukar_ke_syarikat_insurans_lain\"><\/span>Boleh ke bertukar ke syarikat insurans lain?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ya, anda mempunyai hak dan pilihan untuk bertukar ke syarikat insurans lain. Malah, anda digalakkan untuk membandingkan tawaran oleh pelbagai syarikat insurans. Lihat dan bandingkan perlindungan serta manfaat yang ditawarkan sebelum memilih mana-mana insurans. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Dokumen_apa_yang_diperlukan_untuk_renew_insurans\"><\/span>Dokumen apa yang diperlukan untuk <em>renew <\/em>insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika anda <em>renew <\/em>insurans secara <em>online, <\/em>anda cuma perlu <em>key in <\/em>sahaja beberapa maklumat yang diperlukan dan terus dapatkan <em>quotation<\/em> tanpa sebarang dokumen! Sangat mudah!<\/p>\n\n\n\n<p>Sekiranya anda <em>renew <\/em>insurans anda melalui ejen secara <em>offline <\/em>atau fizikal, anda mungkin perlu menyediakan beberapa dokumen seperti polisi insurans lama dan geran kereta.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Jumlah_perlindungan_Nilai_pasaran_market_value_atau_nilai_yang_dipersetujui_agreed_value\"><\/span>Jumlah perlindungan: Nilai pasaran (<em>market value<\/em>) atau nilai yang dipersetujui (<em>agreed value<\/em>)?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ketahui dulu perbezaan antara nilai pasaran (<em>market value<\/em>) dan nilai yang dipersetujui (<em>agreed value<\/em>).<\/p>\n\n\n\n<p><strong>Nilai pasaran<\/strong> atau <em>market value <\/em>ialah harga pasaran kereta anda. Sebagai contoh, nilai pasaran kereta anda ialah RM100,000 ketika anda membelinya pada tahun 2020. Namun setelah setahun, nilai pasaran kereta anda berkurang kepada RM85,000. Untuk pengetahuan anda, nilai pasaran kereta menurun sekitar 10-15% setiap tahun.<\/p>\n\n\n\n<p><strong>Nilai yang dipersetujui<\/strong> atau <em>agreed value <\/em>pula ialah nilai yang dipersetujui oleh pihak insurans berdasarkan model dan tahun kereta anda. Sebagai contoh, nilai yang dipersetujui oleh insurans anda ialah RM85,000. Untuk gambaran yang lebih jelas tentang perbezaan nilai pasaran dan nilai yang dipersetujui, lihat contoh di bawah:<\/p>\n\n\n\n<p>Nilai pasaran (<em>market value<\/em>): RM85,000<\/p>\n\n\n\n<p>Nilai yang dipersetujui (<em>agreed value<\/em>): RM85,000<\/p>\n\n\n\n<p>Cuba bayangkan anda pilih nilai pasaran sebagai jumlah perlindungan kereta anda. 11 bulan lepas <em>renew <\/em>insurans, kereta anda kemalangan dan ditentukan sebagai <em>total loss<\/em>. Insurans anda cuma bayar anda RM70,000 kerana nilai pasaran kereta anda telah turun dari RM85,000 ke RM70,000. Tetapi, sekiranya anda memilih nilai yang dipersetujui, insurans anda akan membayar anda RM85,000 seperti yang dipersetujui, walaupun nilai pasaran kereta anda telah susut sehingga RM70,000.<\/p>\n\n\n\n<p><strong>Jadi, anda perlu pilih <em>agreed value<\/em> atau <em>market value<\/em>?<\/strong><\/p>\n\n\n\n<p>Ringkasnya, sekiranya kereta anda masih baru dan mempunyai hutang dengan bank, anda disarankan untuk memilih <em>agreed value<\/em>. Manakala, sekiranya kereta anda sudah lama dan tidak mempunyai hutang, anda bolehlah memilih <em>market value<\/em>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapa_No_Claim_Discount_NCD_kereta_anda\"><\/span>Berapa <em>No Claim Discount <\/em>(NCD) kereta anda?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><em>No Claim Discount <\/em>atau NCD ialah sejenis ganjaran dalam bentuk diskaun yang ditawarkan oleh syarikat insurans untuk pemilik kereta yang tidak membuat sebarang tuntutan dalam tempoh setahun. Sekiranya anda tidak membuat sebarang tuntutan, semakin tinggi diskaun yang anda dapat nikmati setiap tahun sehingga maksimum 55%. Dengan adanya NCD, anda boleh membayar insurans dengan harga yang lebih rendah.<\/p>\n\n\n\n<p><strong>Macam mana nak dapatkan NCD?<\/strong><\/p>\n\n\n\n<p>NCD diberikan secara automatik semasa anda <em>renew <\/em>insurans kereta anda. Untuk melayakkan anda mendapat NCD, anda perlu memenuhi syarat satu tahun tanpa tuntutan. Ini bermaksud, jika anda membeli polisi insurans kenderaan untuk pertama kalinya, polisi tersebut tidak akan dapat NCD. Anda cuma akan menikmati diskaun sebanyak 25% semasa anda <em>renew <\/em>insurans pada tahun kedua. <\/p>\n\n\n\n<p>Ingat, sekiranya anda membuat tuntutan atau <em>claim <\/em>insurans, NCD anda akan kembali menjadi sifar. Walau bagaimanapun, sekiranya kemalangan berpunca daripada pihak ketiga, kelayakan NCD anda masih terpakai walaupun tuntutan insurans dibuat.<\/p>\n\n\n\n<p>Ini adalah kadar diskaun NCD bagi kereta milik persendirian.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6138\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/attachment\/img_2396\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2396.jpg?fit=1280%2C1274&amp;ssl=1\" data-orig-size=\"1280,1274\" 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_2396\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2396.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2396.jpg?fit=1024%2C1019&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1019\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/img_2396-1024x1019.jpg?resize=1024%2C1019&#038;ssl=1\" alt=\"Kadar diskaun NCD bagi kereta milik persendirian\" class=\"wp-image-6138\" title=\"Kadar diskaun NCD bagi kereta milik persendirian\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2396.jpg?resize=1024%2C1019&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2396.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2396.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2396.jpg?resize=768%2C764&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/img_2396.jpg?w=1280&amp;ssl=1 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption> Kadar diskaun NCD bagi kereta milik persendirian <\/figcaption><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bila_perlu_renew_roadtax\"><\/span>Bila perlu <em>renew roadtax?<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kebiasaannya, anda perlu <em>renew roadtax <\/em>anda dalam tempoh tujuh hari dari tarikh anda <em>renew <\/em>insurans. Anda disarankan untuk renew <em>roadtax<\/em> anda sebaik sahaja anda <em>renew <\/em>insurans anda. Jadi anda cuma perlu ingat satu tarikh saja untuk <em>renew<\/em> insurans dan <em>roadtax<\/em>. Kan lebih senang macam tu.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Dapatkan_insurans_kereta_anda_di_Bjak\"><\/span>Dapatkan insurans kereta anda di Bjak<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tahniah kerana membaca sehingga ke akhir artikel. Memang penting untuk anda ambil berat tentang perkara yang anda wajib tahu sebelum beli insurans kereta. Lebih-lebih lagi anda perlu mengeluarkan sejumlah wang setiap tahun untuk <em>renew<\/em> insurans kereta anda. <\/p>\n\n\n\n<p>Sebagai langkah penjimatan, kami syorkan anda untuk <em>renew<\/em> insurans secara <em>online<\/em> di Bjak. Tak perlu keluar rumah sebab semuanya boleh selesai secara <em>online. <\/em>Kami tawarkan juga servis untuk <em>renew roadtax. <\/em>Anda cuma perlu tunggu di rumah. Kami akan hantarkan <em>roadtax <\/em>terus ke rumah anda. Jimat, mudah, murah dan pantas!<\/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.&nbsp;Dapatkan&nbsp;<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\">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\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\">Renew Online<\/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\/insurans-kereta-apa-yang-anda-perlu-tahu\/\">Insurans Kereta: Apa yang Anda Perlu Tahu<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/tuntutan-insurans-kereta-akibat-kemalangan\/#Tuntutan_Pihak_Ketiga\">Nak Claim Insurans? Ketahui Dulu Jenis-Jenis Tuntutan Insurans &amp; Caranya<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/5-perkara-perlu-tahu-sebelum-membuat-tuntutan-insurans-kereta\/\">Insurans Kereta: 5 Perkara Perlu Anda Tahu Sebelum Membuat Tuntutan<\/a><\/li><\/ul>\n\n\n\n<p><a href=\"\/#facebook\" rel=\"noreferrer noopener\" target=\"_blank\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sebagai pengguna kereta, anda sudah tentu tahu yang anda wajib mempunyai insurans kereta. Kami kongsikan di sini perkara yang anda wajib tahu sebelum beli insurans kereta.<\/p>\n","protected":false},"author":5,"featured_media":5544,"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":[26,243,465],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nak Beli Insurans Kereta? Ini Perkara Yang Anda Wajib Tahu!<\/title>\n<meta name=\"description\" content=\"Pengguna kereta wajib mempunyai insurans kereta untuk memandu di jalan raya. 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