{"id":52840,"date":"2025-10-10T23:38:52","date_gmt":"2025-10-10T15:38:52","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=52840"},"modified":"2025-10-29T20:52:37","modified_gmt":"2025-10-29T12:52:37","slug":"5-faktor-yang-mempengaruhi-kiraan-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/5-faktor-yang-mempengaruhi-kiraan-insurans-kereta","title":{"rendered":"5 Faktor Yang Mempengaruhi Kiraan Insurans Kereta"},"content":{"rendered":"\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-69d4729869699\" 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-69d4729869699\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-faktor-yang-mempengaruhi-kiraan-insurans-kereta\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-faktor-yang-mempengaruhi-kiraan-insurans-kereta\/#1_Umur_Jenis_Kenderaan\" title=\"1. Umur &amp; Jenis Kenderaan\">1. Umur &amp; Jenis Kenderaan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-faktor-yang-mempengaruhi-kiraan-insurans-kereta\/#2_Lokasi_Kediaman_dan_Tempat_Letak_Kereta\" title=\"2. Lokasi Kediaman dan Tempat Letak Kereta\">2. Lokasi Kediaman dan Tempat Letak Kereta<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-faktor-yang-mempengaruhi-kiraan-insurans-kereta\/#3_Umur_dan_Rekod_Pemandu\" title=\"3. Umur dan Rekod Pemandu\">3. Umur dan Rekod Pemandu<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-faktor-yang-mempengaruhi-kiraan-insurans-kereta\/#4_Jenis_Perlindungan_Comprehensive_vs_Third_Party\" title=\"4. Jenis Perlindungan (Comprehensive vs Third Party)\">4. Jenis Perlindungan (Comprehensive vs Third Party)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-faktor-yang-mempengaruhi-kiraan-insurans-kereta\/#5_Diskaun_NCD_No_Claim_Discount\" title=\"5. Diskaun NCD (No Claim Discount)\">5. Diskaun NCD (No Claim Discount)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-faktor-yang-mempengaruhi-kiraan-insurans-kereta\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ramai pemilik kereta tertanya-tanya kenapa kadar premium insurans mereka berbeza, walaupun jenis kereta nampak sama. Jawapannya: setiap syarikat insurans menilai risiko dengan cara tersendiri. Artikel ini akan jelaskan <em>5 faktor utama yang mempengaruhi kiraan insurans kereta<\/em> di Malaysia supaya anda tahu bagaimana nak kawal kos perlindungan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Umur_Jenis_Kenderaan\"><\/span><strong>1. Umur &amp; Jenis Kenderaan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Semakin lama usia kereta, semakin tinggi risiko kerosakan. Model kereta juga memainkan peranan besar \u2014 kereta import dan model mewah biasanya mempunyai premium lebih tinggi kerana kos alat ganti dan pembaikan yang mahal.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> Untuk kereta lama, pertimbangkan perlindungan <em>Third Party, Fire &amp; Theft<\/em> bagi mengurangkan kos tahunan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Lokasi_Kediaman_dan_Tempat_Letak_Kereta\"><\/span><strong>2. Lokasi Kediaman dan Tempat Letak Kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jumlah premium insuran kereta bukan sahaja di faktor oleh jenis model &amp; nilai pasaran kenderaan tetapi mengikut lokasi atau tempat letak kereta tersebut. Jika anda meletak kereta pada kawasan berteduh &amp; selamat, boleh sahaja dimaklum pada pihak insuran untuk kurangkan jumlah insuran anda.&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Umur_dan_Rekod_Pemandu\"><\/span><strong>3. Umur dan Rekod Pemandu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurans menganggap pemandu muda (bawah 25 tahun) atau baru memiliki lesen sebagai lebih berisiko. Rekod saman dan kemalangan lampau juga diambil kira \u2014 semakin banyak tuntutan, semakin mahal premium anda.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> Elak tuntutan kecil (contohnya calar ringan) supaya rekod tuntutan bersih dan NCD anda kekal tinggi.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Jenis_Perlindungan_Comprehensive_vs_Third_Party\"><\/span><strong>4. Jenis Perlindungan (Comprehensive vs Third Party)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pilihan jenis pelan menentukan jumlah premium. <em>Comprehensive insurance<\/em> menawarkan perlindungan paling luas termasuk kerosakan sendiri, tetapi juga paling mahal. <em>Third Party<\/em> pula lebih murah, sesuai untuk kereta berusia.<\/p>\n\n\n\n<p><strong>Perbandingan ringkas:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><tbody><tr><td><strong>Jenis Perlindungan<\/strong><\/td><td><strong>Perlindungan<\/strong><\/td><td><strong>Anggaran Kos<\/strong><\/td><\/tr><tr><td>Comprehensive<\/td><td>Kerosakan diri, pihak ketiga, kecurian<\/td><td>Tinggi<\/td><\/tr><tr><td>Third Party<\/td><td>Hanya pihak ketiga<\/td><td>Rendah<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Diskaun_NCD_No_Claim_Discount\"><\/span><strong>5. Diskaun NCD (No Claim Discount)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Faktor paling penting \u2014 NCD. Setiap tahun tanpa tuntutan akan menambah diskaun anda (hingga 55%). Ramai tak sedar, beza 55% boleh jimat ratusan ringgit setahun.<\/p>\n\n\n\n<p><strong>Contoh:<\/strong> Jika premium asal RM1,000, selepas NCD 55%, anda hanya bayar RM450.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"52904\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-faktor-yang-mempengaruhi-kiraan-insurans-kereta\/attachment\/3-50-3\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-50.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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=\"3-50\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-50.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-50.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-50.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan lima faktor utama yang mempengaruhi kadar premium insurans kereta di Malaysia seperti jenis kenderaan, lokasi, umur pemandu, jenis pelan dan diskaun NCD.\n\" class=\"wp-image-52904\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-50.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-50.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-50.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-50.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-50.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kini anda tahu bagaimana <em>faktor kiraan insurans kereta<\/em> mempengaruhi jumlah yang anda bayar. Dengan rekod memandu baik, NCD tinggi, dan pilihan perlindungan bijak, anda boleh kurangkan premium dengan ketara. Untuk semak kadar sebenar, anda boleh bandingkan sebut harga di platform seperti <strong>Bjak<\/strong>, <strong>MyEG<\/strong>, atau terus dengan syarikat insurans pilihan anda.<\/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-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=5-faktor-yang-mempengaruhi-kiraan-insurans-kereta\" style=\"background-color:#ffd103\">Dapatkan Sebut Harga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca Juga:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/5-sebab-kenapa-anak-muda-perlu-pertimbangkan-takaful-peribadi\">5 Sebab Kenapa Anak Muda Perlu Pertimbangkan Takaful Peribadi<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-mudah-check-saman-jpj-online\">Cara Mudah Check Saman JPJ Online<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-dapatkan-salinan-semula-cover-note-insurans\">Cara Dapatkan Salinan Semula Cover Note Insurans<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ketahui lima faktor utama yang menentukan kadar premium insurans kereta anda di Malaysia \u2014 dari jenis kenderaan hingga diskaun NCD. Panduan ini bantu anda faham kenapa harga insurans boleh berbeza dan bagaimana cara untuk jimat le<\/p>\n","protected":false},"author":31,"featured_media":52903,"comment_status":"closed","ping_status":"closed","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":[93,1637,2924],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Faktor Yang Mempengaruhi Kiraan Insurans Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: 5 Faktor Yang Mempengaruhi Kiraan Insurans Kereta dan cara untuk jimatkan bayaran tahunan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-faktor-yang-mempengaruhi-kiraan-insurans-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Faktor Yang Mempengaruhi Kiraan Insurans Kereta | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: 5 Faktor Yang Mempengaruhi Kiraan Insurans Kereta dan cara untuk jimatkan bayaran tahunan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-faktor-yang-mempengaruhi-kiraan-insurans-kereta\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-10T15:38:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T12:52:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-50.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"tariqsiregar@bjak.my\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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