{"id":53095,"date":"2025-10-14T23:30:18","date_gmt":"2025-10-14T15:30:18","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53095"},"modified":"2025-11-03T17:43:07","modified_gmt":"2025-11-03T09:43:07","slug":"apakah-market-value-dalam-kalkulator-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/apakah-market-value-dalam-kalkulator-insurans","title":{"rendered":"Apakah Market Value Dalam Kalkulator Insurans"},"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-6a09a3265d3f4\" 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-6a09a3265d3f4\"><\/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\/apakah-market-value-dalam-kalkulator-insurans\/#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\/apakah-market-value-dalam-kalkulator-insurans\/#Apa_Maksud_Market_Value\" title=\"Apa Maksud Market Value?\">Apa Maksud Market Value?<\/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\/apakah-market-value-dalam-kalkulator-insurans\/#Bagaimana_Market_Value_Dikira\" title=\"Bagaimana Market Value Dikira?\">Bagaimana Market Value Dikira?<\/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\/apakah-market-value-dalam-kalkulator-insurans\/#Market_Value_vs_Agreed_Value\" title=\"Market Value vs Agreed Value\">Market Value vs Agreed Value<\/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\/apakah-market-value-dalam-kalkulator-insurans\/#Kesan_Market_Value_Terhadap_Pampasan\" title=\"Kesan Market Value Terhadap Pampasan\">Kesan Market Value Terhadap Pampasan<\/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\/apakah-market-value-dalam-kalkulator-insurans\/#Cara_Semak_Market_Value_di_BJAK\" title=\"Cara Semak Market Value di BJAK\">Cara Semak Market Value di BJAK<\/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\/apakah-market-value-dalam-kalkulator-insurans\/#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 di Malaysia masih keliru dengan istilah <strong>Market Value<\/strong> dalam  kalkulator insurans kereta. Sebenarnya, nilai ini sangat penting \u2014 ia menentukan <strong>berapa banyak pampasan<\/strong> yang anda akan terima jika kereta anda rosak teruk atau dicuri. Artikel ini akan terangkan apa itu <em>market value<\/em>, bagaimana ia dikira, dan cara semak nilai semasa kereta anda sebelum beli atau renew insurans di <strong>BJAK<\/strong>.<\/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=\"53162\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apakah-market-value-dalam-kalkulator-insurans\/attachment\/3-68-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-68.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=\"3-68\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-68.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-68.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-68.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"\u201cInfografik menjelaskan maksud market value dalam kalkulator insurans kereta Malaysia.\u201d\" class=\"wp-image-53162\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-68.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-68.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-68.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-68.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-68.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=\"Apa_Maksud_Market_Value\"><\/span><strong>Apa Maksud Market Value?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Market value<\/strong> ialah <strong>nilai semasa kereta anda di pasaran<\/strong>, bukan harga semasa anda beli kereta dahulu.<br>Nilai ini berubah mengikut:<\/p>\n\n\n\n<ul><li>Umur kenderaan<br><\/li><li>Jenama dan model<br><\/li><li>Keadaan fizikal dan jarak perbatuan<br><\/li><li>Permintaan pasaran semasa<br><\/li><\/ul>\n\n\n\n<p>Contohnya, jika anda beli kereta RM90,000 lima tahun lepas, nilai pasaran semasa mungkin hanya sekitar RM50,000\u2013RM60,000 bergantung pada model dan keadaan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Bagaimana_Market_Value_Dikira\"><\/span><strong>Bagaimana Market Value Dikira?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Syarikat insurans biasanya merujuk kepada <strong>data pasaran semasa (seperti ISM Database atau car valuation tools)<\/strong>.<br>Apabila anda guna <strong>Bjak Car Insurance Calculator<\/strong>, sistem akan kira secara automatik berdasarkan:<\/p>\n\n\n\n<ul><li>Maklumat kenderaan (nombor plat, model, tahun pembuatan)<br><\/li><li>Kadar susut nilai tahunan<br><\/li><li>Data semasa daripada pangkalan insurans Malaysia<br><\/li><\/ul>\n\n\n\n<p>Ini memastikan jumlah perlindungan (<em>sum insured<\/em>) adalah <strong>realistik dan selaras dengan harga pasaran semasa<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Market_Value_vs_Agreed_Value\"><\/span><strong>Market Value vs Agreed Value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><tbody><tr><td><strong>Aspek<\/strong><\/td><td><strong>Market Value<\/strong><\/td><td><strong>Agreed Value<\/strong><\/td><\/tr><tr><td>Definisi<\/td><td>Nilai semasa pasaran kereta<\/td><td>Nilai dipersetujui dengan insurans<\/td><\/tr><tr><td>Kelebihan<\/td><td>Premium lebih rendah<\/td><td>Pampasan tetap (tiada susut nilai)<\/td><\/tr><tr><td>Kekurangan<\/td><td>Pampasan mungkin lebih rendah jika harga pasaran jatuh<\/td><td>Premium lebih tinggi<\/td><\/tr><tr><td>Sesuai untuk<\/td><td>Kereta biasa atau lama<\/td><td>Kereta baru atau berharga tinggi<\/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=\"Kesan_Market_Value_Terhadap_Pampasan\"><\/span><strong>Kesan Market Value Terhadap Pampasan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika kereta anda <strong>hilang atau total loss<\/strong>, pampasan akan dibayar <strong>berdasarkan market value semasa kejadian<\/strong>, bukan nilai masa beli polisi.<\/p>\n\n\n\n<p>Contoh:<\/p>\n\n\n\n<ul><li>Nilai pasaran semasa: RM55,000<br><\/li><li>Nilai diinsuranskan: RM60,000<br><\/li><li>Pampasan maksimum tetap sekitar RM55,000 (mengikut nilai semasa).<br><\/li><\/ul>\n\n\n\n<p>Oleh itu, penting untuk semak nilai sebenar sebelum memperbaharui polisi.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Cara_Semak_Market_Value_di_BJAK\"><\/span><strong>Cara Semak Market Value di BJAK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>BJAK memudahkan anda semak <em>market value<\/em> secara automatik:<\/p>\n\n\n\n<ol><li>Masukkan nombor plat dan IC.<br><\/li><li>Sistem akan paparkan nilai semasa kenderaan berdasarkan data pasaran.<br><\/li><li>Anda boleh terus banding harga premium antara lebih 20 syarikat insurans.<br><\/li><\/ol>\n\n\n\n<p>Kelebihan utama: cepat, tepat, dan disahkan oleh pangkalan data JPJ.<\/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>Market value bukan sekadar angka \u2014 ia menentukan berapa banyak pampasan anda boleh tuntut jika berlaku kemalangan atau kecurian. Dengan <strong>semakan Market Value dalam <\/strong>k<strong>alkulator insurans<\/strong>, anda tak perlu lagi teka-teka nilai semasa kereta. Semua dikira automatik dan telus.<\/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=apakah-market-value-dalam-kalkulator-insurans\" 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\/cara-kira-cukai-jalan-kereta-import-cbu-tempatan-ckd\">Cara Kira Cukai Jalan Kereta Import (CBU) &amp; Tempatan (CKD)<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/panduan-renew-roadtax-kereta-tanpa-geran-sah-selamat\">Panduan Renew Roadtax Kereta Tanpa Geran \u2013 Sah &amp; Selamat<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/panduan-kira-ncd-insurance-malaysia-jimat-hingga-55\">Panduan Kira NCD Insurance Malaysia: Jimat Hingga 55%!<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ketahui maksud market value dalam insurans kereta dan cara ia mempengaruhi jumlah pampasan. Gunakan Bjak Calculator untuk kira nilai tepat hari ini.<\/p>\n","protected":false},"author":31,"featured_media":53161,"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":[93,2923,2836],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apakah Market Value Dalam Kalkulator Insurans | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Apakah Market Value Dalam Kalkulator Insurans.Cara ia mempengaruhi pampasan &amp; premium insurans anda.\" \/>\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\/apakah-market-value-dalam-kalkulator-insurans\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Apakah Market Value Dalam Kalkulator Insurans | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Apakah Market Value Dalam Kalkulator Insurans.Cara ia mempengaruhi pampasan &amp; premium insurans anda.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apakah-market-value-dalam-kalkulator-insurans\" \/>\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=\"2025-10-14T15:30:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-03T09:43:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-68.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=\"BJAK Content Team\" \/>\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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