{"id":53082,"date":"2025-10-14T23:27:53","date_gmt":"2025-10-14T15:27:53","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53082"},"modified":"2025-10-14T23:27:57","modified_gmt":"2025-10-14T15:27:57","slug":"5-kesilapan-biasa-beli-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/5-kesilapan-biasa-beli-insurans-kereta","title":{"rendered":"5 Kesilapan Biasa Beli 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-69d472c78ccea\" 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-69d472c78ccea\"><\/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-kesilapan-biasa-beli-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-kesilapan-biasa-beli-insurans-kereta\/#1_Tak_Faham_Jenis_Perlindungan_1st_Party_vs_3rd_Party\" title=\"1. Tak Faham Jenis Perlindungan (1st Party vs 3rd Party)\">1. Tak Faham Jenis Perlindungan (1st Party vs 3rd Party)<\/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-kesilapan-biasa-beli-insurans-kereta\/#2_Beli_Tanpa_Banding_Harga\" title=\"2. Beli Tanpa Banding Harga\">2. Beli Tanpa Banding Harga<\/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-kesilapan-biasa-beli-insurans-kereta\/#3_Tak_Kemas_Kini_Maklumat_Kenderaan\" title=\"3. Tak Kemas Kini Maklumat Kenderaan\">3. Tak Kemas Kini Maklumat Kenderaan<\/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-kesilapan-biasa-beli-insurans-kereta\/#4_Salah_Pilih_Nilai_Perlindungan_Sum_Insured\" title=\"4. Salah Pilih Nilai Perlindungan (Sum Insured)\">4. Salah Pilih Nilai Perlindungan (Sum Insured)<\/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-kesilapan-biasa-beli-insurans-kereta\/#5_Tak_Semak_Tarikh_Tamat_NCD\" title=\"5. Tak Semak Tarikh Tamat &amp; NCD\">5. Tak Semak Tarikh Tamat &amp; NCD<\/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-kesilapan-biasa-beli-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 kenderaan di Malaysia masih keliru semasa beli insurans kereta \u2014 sama ada online atau di kaunter. Silap sedikit boleh menyebabkan anda bayar lebih, atau lebih teruk, tak dilindungi sepenuhnya bila berlaku kemalangan. Dalam artikel ini, kita bongkar <strong>5 kesilapan biasa beli insurans kereta<\/strong> dan cara mudah untuk elakkannya.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Tak_Faham_Jenis_Perlindungan_1st_Party_vs_3rd_Party\"><\/span><strong>1. Tak Faham Jenis Perlindungan (1st Party vs 3rd Party)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ramai pembeli baru fikir semua insurans sama, padahal bezanya besar.<\/p>\n\n\n\n<ul><li><strong>1st Party (Komprehensif)<\/strong>: Lindungi kereta anda <em>dan<\/em> pihak ketiga.<br><\/li><li><strong>3rd Party<\/strong>: Hanya lindungi kerosakan atau kecederaan pada pihak lain.<br><\/li><\/ul>\n\n\n\n<p>Kalau anda guna kereta baru atau masih ada pinjaman bank, <strong>komprehensif wajib<\/strong>. Tapi kalau kereta lama dengan nilai pasaran rendah, pelan 3rd party pun dah memadai.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> Untuk kereta lebih 15 tahun, bandingkan dua-dua pelan dulu \u2014 kadang beza premium tak sampai RM100 tapi perbezaan perlindungan besar.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Beli_Tanpa_Banding_Harga\"><\/span><strong>2. Beli Tanpa Banding Harga<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Satu kesilapan paling kerap \u2014 terus beli dari satu syarikat tanpa semak pilihan lain.<br>Harga insurans boleh berbeza <strong>hingga ratusan ringgit<\/strong> antara syarikat walaupun perlindungan sama.<\/p>\n\n\n\n<p>Cara mudah?<br>Gunakan platform seperti <strong>BJAK<\/strong> untuk <strong>banding harga insurans kereta secara pantas<\/strong>. Tak perlu isi borang berulang kali \u2014 sistem terus paparkan tawaran dari pelbagai syarikat dalam satu paparan.<\/p>\n\n\n\n<p><strong>Contoh:<\/strong> Masukkan nombor plat dan IC \u2192 BJAK tunjuk sebut harga dari Allianz, Liberty, Takaful Malaysia &amp; Takaful Ikhlas, semuanya dalam masa kurang 1 minit.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Tak_Kemas_Kini_Maklumat_Kenderaan\"><\/span><strong>3. Tak Kemas Kini Maklumat Kenderaan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Maklumat seperti nombor casis, kapasiti enjin, dan alamat penting untuk ketepatan polisi.<br>Jika maklumat salah, ia boleh <strong>melambatkan pengesahan<\/strong> atau <strong>menyebabkan tuntutan ditolak<\/strong>.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> Semak semua butiran sebelum buat bayaran akhir. Jika renew melalui BJAK, sistem akan padankan data dengan JPJ supaya tiada ralat pada maklumat pemilik dan kenderaan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Salah_Pilih_Nilai_Perlindungan_Sum_Insured\"><\/span><strong>4. Salah Pilih Nilai Perlindungan (Sum Insured)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Nilai <em>sum insured<\/em> ialah jumlah maksimum yang syarikat insurans akan bayar jika kereta anda dicuri atau total loss.<br>Ramai tersilap bila pilih:<\/p>\n\n\n\n<ul><li><strong>Over-insured:<\/strong> Bayar premium lebih tinggi tanpa sebab.<br><\/li><li><strong>Under-insured:<\/strong> Dapat pampasan lebih rendah daripada nilai sebenar kereta.<br><\/li><\/ul>\n\n\n\n<p>Gunakan <strong>car insurance calculator<\/strong> di BJAK untuk semak <em>market value<\/em> sebelum pilih jumlah perlindungan yang sesuai.<\/p>\n\n\n\n<p><strong>Contoh ringkas:<\/strong> Jika nilai pasaran RM45,000 tapi anda lindungi RM55,000, anda bayar lebih untuk pampasan yang tetap maksimum RM45,000 sahaja bila tuntutan dibuat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Tak_Semak_Tarikh_Tamat_NCD\"><\/span><strong>5. Tak Semak Tarikh Tamat &amp; NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ramai pemandu lupa tarikh tamat polisi dan beli polisi baharu tanpa teruskan <em>No Claim Discount (NCD)<\/em> mereka.<br>Padahal, NCD boleh beri <strong>diskaun sehingga 55%<\/strong> dari premium asal!<\/p>\n\n\n\n<p>Pastikan nombor kad pengenalan dan nombor plat dimasukkan dengan betul supaya sistem automatik kesan rekod NCD anda.<\/p>\n\n\n\n<p><strong>Contoh:<\/strong> Jika anda tak buat tuntutan selama 5 tahun, NCD anda boleh capai 55% \u2014 jimat hampir separuh daripada harga insurans.<\/p>\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>Beli insurans kereta bukan sekadar cari harga paling murah \u2014 tapi perlindungan paling sesuai dengan keperluan anda. Dengan elak 5 kesilapan semasa beli insurans kereta di atas dan gunakan <strong>BJAK<\/strong> untuk banding harga insurans secara pantas, anda boleh dapat polisi yang lebih tepat, cepat, dan berbaloi.<\/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=\"53150\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-kesilapan-biasa-beli-insurans-kereta\/attachment\/3-64-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-64.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=\"3-64\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-64.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-64.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\/3-64.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan 5 kesilapan biasa semasa beli insurans kereta di Malaysia \u2014 termasuk jenis perlindungan, banding harga, kemas kini maklumat kenderaan, nilai sum insured, dan semakan NCD.\n\" class=\"wp-image-53150\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-64.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-64.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-64.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-64.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-64.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" 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-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=5-kesilapan-biasa-beli-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\/servis-brek-tayar-aircond-bayar-guna-bnpl\">Servis Brek, Tayar, Aircond \u2013 Bayar Guna BNPL!<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax-hilang-langkah-untuk-penggantian-baharu\">Roadtax Hilang? Langkah Untuk Penggantian Baharu<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/ncd-insurance-bagaimana-klaim-kecil-boleh-jejaskan-diskaun\">NCD Insurance: Bagaimana Klaim Kecil Boleh Jejaskan Diskaun<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemandu masih buat kesilapan semasa beli insurans kereta. Ketahui 5 kesilapan paling biasa dan cara mudah elakkannya supaya tak rugi.<\/p>\n","protected":false},"author":31,"featured_media":53149,"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":[93,2782],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Kesilapan Biasa Beli Insurans Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: 5 Kesilapan Biasa Beli Insurans Kereta. 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