{"id":5316,"date":"2021-10-13T17:46:24","date_gmt":"2021-10-13T09:46:24","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=5316"},"modified":"2023-08-08T14:39:52","modified_gmt":"2023-08-08T06:39:52","slug":"market-value-vs-agreed-value","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value","title":{"rendered":"Sum Insured Insurans Kereta: Market Value vs Agreed Value"},"content":{"rendered":"\n<p>Ketika anda membeli <a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">insurans kereta<\/a>, anda perlu memilih jumlah perlindungan insurans atau <em>sum insured <\/em>kereta anda. Macam mana nak tentukan jumlah perlindungan insurans kereta anda? Ikuti artikel kami kali ini untuk ketahuinya.<\/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-69d77e41db122\" 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-69d77e41db122\"><\/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\/market-value-vs-agreed-value\/#Apakah_sum_insured\" title=\"Apakah sum insured?\">Apakah sum insured?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value\/#Apakah_market_value\" title=\"Apakah market value?\">Apakah 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\/market-value-vs-agreed-value\/#Apakah_agreed_value\" title=\"Apakah agreed value?\">Apakah agreed value?<\/a><\/li><\/ul><\/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\/market-value-vs-agreed-value\/#Perbezaan_antara_agreed_value_dan_market_value\" title=\"Perbezaan antara agreed value dan market value\">Perbezaan antara agreed value dan market value<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value\/#Perbezaan_premium\" title=\"Perbezaan premium\">Perbezaan premium<\/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\/market-value-vs-agreed-value\/#Risiko_over-insuranceunder-insurance\" title=\"Risiko over-insurance\/under-insurance\">Risiko over-insurance\/under-insurance<\/a><\/li><\/ul><\/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\/market-value-vs-agreed-value\/#Manakah_yang_lebih_baik_untuk_anda_agreed_value_atau_market_value\" title=\"Manakah yang lebih baik untuk anda: agreed value atau market value?\">Manakah yang lebih baik untuk anda: agreed value atau market value?<\/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\/market-value-vs-agreed-value\/#Bilakah_agreed_value_sesuai_untuk_anda\" title=\"Bilakah agreed value sesuai untuk anda?\">Bilakah agreed value sesuai untuk anda?<\/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\/market-value-vs-agreed-value\/#Bilakah_market_value_sesuai_untuk_anda\" title=\"Bilakah market value sesuai untuk anda?\">Bilakah market value sesuai untuk anda?<\/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\/market-value-vs-agreed-value\/#Bolehkah_kereta_dilindungi_di_bawah_market_value\" title=\"Bolehkah kereta dilindungi di bawah market value?\">Bolehkah kereta dilindungi di bawah market value?<\/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\/market-value-vs-agreed-value\/#Dapatkan_nasihat_profesional_sebelum_renew_insurans\" title=\"Dapatkan nasihat profesional sebelum renew insurans\">Dapatkan nasihat profesional sebelum renew insurans<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_sum_insured\"><\/span><strong>Apakah <em>sum insured<\/em>?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebelum kami huraikan cara-cara menentukan <em>sum insured <\/em>atau jumlah perlindungan insurans kereta, ketahui dahulu apa yang dimaksudkan dengan <em>sum insured <\/em>atau dalam Bahasa Melayunya jumlah diinsuranskan.<\/p>\n\n\n\n<p>Jumlah diinsuranskan adalah <strong>jumlah maksimum perlindungan insurans kereta anda<\/strong>. Jumlah diinsuranskan boleh dipilih sama ada mengikut nilai dipersetujui<em> (agreed value) <\/em>atau nilai pasaran (<em>market value<\/em>) seperti yang akan diterangkan selanjutnya.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apakah_market_value\"><\/span><strong>Apakah <em>market value<\/em>?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><em>Market value<\/em> atau nilai pasaran pula adalah <strong>nilai kereta anda mengikut<\/strong> <strong>nilai pasaran ketika anda <em>renew<\/em> insurans<\/strong>. Jika anda memilih jumlah diinsuranskan mengikut nilai pasaran, syarikat insurans akan membayar pampasan kepada anda mengikut nilai pasaran ketika berlakunya kecurian atau kemalangan yang mengakibatkan kereta anda <em>total loss. <\/em>Lihat contoh di bawah untuk penerangan.<\/p>\n\n\n\n<p>Contoh: Anda telah memilih jumlah diinsuranskan mengikut nilai pasaran iaitu RM100,000. 11 bulan kemudian, kereta anda kemalangan teruk sehingga dikategorikan sebagai <em>total loss. <\/em>Anda hanya mendapat pampasan daripada insurans sebanyak RM85,000 kerana nilai pasaran kereta anda telah susut sebanyak 15% ketika kemalangan tersebut berlaku.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apakah_agreed_value\"><\/span><strong>Apakah <em>agreed value<\/em>?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><em>Agreed value atau <\/em><strong>nilai dipersetujui adalah nilai yang telah dipersetujui oleh pemegang polisi dan syarikat insurans ketika anda <em>renew<\/em> insurans<\/strong>. Nilai ini ditentukan oleh faktor-faktor <em>underwriting<\/em> tertentu. Sekiranya berlaku tuntutan <em>total loss <\/em>atau kecurian, syarikat insurans akan membayar pampasan penuh mengikut nilai yang telah dipersetujui ini. Untuk gambaran yang jelas, lihat contoh di bawah:<\/p>\n\n\n\n<p>Contoh: Anda telah memilih jumlah diinsuranskan mengikut nilai dipersetujui iaitu RM100,000. Ditakdirkan 11 bulan kemudian, kereta anda kemalangan dan tidak dapat dibaiki lagi atau dikategorikan sebagai <em>total loss. <\/em>Anda akan mendapat pampasan daripada insurans sebanyak RM100,000 mengikut nilai dipersetujui, walaupun nilai pasaran kereta anda telah susut kepada RM85,000.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perbezaan_antara_agreed_value_dan_market_value\"><\/span><strong>Perbezaan antara <em>agreed value<\/em> dan <em>market value<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Perbezaan_premium\"><\/span><strong>Perbezaan premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kebanyakan pengguna merasakan premium bagi <a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">polisi insurans kereta<\/a> mengikut nilai dipersetujui (<em>agreed value<\/em>) adalah lebih adil berbanding mengikut nilai pasaran (<em>market value). <\/em>Kebanyakannya berpendapat mereka patut mendapat pampasan mengikut jumlah diinsuranskan.\u00a0<\/p>\n\n\n\n<p>Tetapi anda sebenarnya membayar premium yang lebih rendah jika memilih jumlah diinsuranskan mengikut nilai pasaran. Namun begitu, risikonya ialah nilai pasaran kereta rata-ratanya susut sekitar 10-15% setiap tahun. Jadi sekiranya kereta anda dicuri atau <em>total loss, <\/em>anda akan mendapat pampasan yang lebih rendah akibat penurunan nilai pasaran.&nbsp;<\/p>\n\n\n\n<p>Sebaliknya, jika anda memilih nilai dipersetujui atau <em>agreed value <\/em>sebagai jumlah diinsuranskan, jumlah premium anda akan lebih tinggi. Namun, kelebihannya ialah pampasan yang anda akan dapat ekoran kecurian atau kemalangan yang mengakibatkan kereta anda <em>total loss, <\/em>tidak akan terkesan oleh nilai pasaran.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Risiko_over-insuranceunder-insurance\"><\/span><strong>Risiko <em>over-insurance\/under-insurance<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Risiko paling besar membeli insurans mengikut <em>market value <\/em>atau nilai pasaran adalah terlebih perlindungan (<em>over-insurance<\/em>) atau terkurang perlindungan (<em>under-insurance<\/em>). Sebelum itu, anda boleh semak nilai pasaran kereta anda melalui MyCarInfo.<\/p>\n\n\n\n<p>Sekiranya terlebih perlindungan, insurans hanya akan membayar anda pampasan mengikut nilai pasaran ketika berlaku kecurian atau <em>total loss. <\/em>Jika terkurang perlindungan pula, anda mungkin terima pampasan tetapi bukanlah jumlah penuh nilai pasaran.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Manakah_yang_lebih_baik_untuk_anda_agreed_value_atau_market_value\"><\/span>Manakah yang lebih baik untuk anda: <em>agreed value <\/em>atau <em>market value<\/em>?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebenarnya, sebagai pengguna yang bijak, anda perlu fahami dahulu risiko mengambil sama ada <em>agreed value <\/em>atau <em>market value. <\/em>Baca penjelasan seterusnya untuk membantu anda memilih.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Bilakah_agreed_value_sesuai_untuk_anda\"><\/span><strong>Bilakah <em>agreed value<\/em> sesuai untuk anda?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sekiranya anda baru sahaja membeli kereta yang baru dikeluarkan dan membuat pinjaman bank untuk membiayai kereta tersebut, sebaiknya, anda pilih jumlah diinsuranskan mengikut <em>agreed value. <\/em>Sekiranya kereta anda dicuri atau kemalangan sehingga mengakibatkan <em>total loss, <\/em>anda akan dapat pampasan insurans mengikut nilai yang telah dipersetujui. Anda boleh gunakan pampasan tersebut untuk membayar pinjaman anda atau mungkin beli kereta ganti.&nbsp;<\/p>\n\n\n\n<p>Jika anda ingin memilih jumlah diinsuranskan mengikut nilai dipersetujui, <em>check <\/em>dahulu sama ada insurans pilihan anda menawarkan pilihan ini. Sesetengah syarikat insurans mungkin hanya meletakkan jumlah diinsuranskan mengikut nilai pasaran.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5970\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value\/attachment\/image-2_-gambar-kereta-baru\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Gambar-kereta-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=\"Image-2_-Gambar-kereta-baru\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Gambar-kereta-baru.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Gambar-kereta-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-2_-Gambar-kereta-baru-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Agreed value sesuai dipilih untuk kereta baru\" class=\"wp-image-5970\" title=\"Agreed value sesuai dipilih untuk kereta baru\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Gambar-kereta-baru.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Gambar-kereta-baru.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Gambar-kereta-baru.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Gambar-kereta-baru.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Gambar-kereta-baru.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption><em>Agreed value <\/em>sesuai dipilih untuk kereta baru<\/figcaption><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Bilakah_market_value_sesuai_untuk_anda\"><\/span><strong>Bilakah <em>market value<\/em> sesuai untuk anda?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Manakala, sekiranya kereta anda sudah agak lama dan tidak mempunyai hutang, anda boleh pilih jumlah diinsuranskan mengikut nilai pasaran atau <em>market value. <\/em>Jumlah pampasan akan kurang, tetapi anda boleh dapatkan premium insurans yang lebih rendah berbanding mengikut nilai dipersetujui.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5971\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value\/attachment\/image-3-_-kereta-lama\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3-_-kereta-lama.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-3-_-kereta-lama\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3-_-kereta-lama.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3-_-kereta-lama.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-_-kereta-lama-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Market value sesuai dipilih untuk kereta yang lebih berusia\" class=\"wp-image-5971\" title=\"Market value sesuai dipilih untuk kereta yang lebih berusia\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3-_-kereta-lama.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3-_-kereta-lama.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3-_-kereta-lama.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3-_-kereta-lama.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3-_-kereta-lama.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption><em>Market value <\/em>sesuai dipilih untuk kereta yang lebih berusia<\/figcaption><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bolehkah_kereta_dilindungi_di_bawah_market_value\"><\/span>Bolehkah kereta dilindungi di bawah <em>market value<\/em>?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jawapan ringkasnya ialah tidak digalakkan. Malah, sesetengah syarikat insurans tidak membenarkan pengguna meletakkan jumlah diinsuranskan yang lebih rendah daripada nilai pasaran atau dipanggil <em>under-insurance.<\/em><\/p>\n\n\n\n<p>Sebagai contoh, nilai pasaran kereta anda ialah RM20,000. Tetapi, untuk mendapatkan insurans yang lebih murah, anda pilih untuk mendapatkan jumlah diinsuranskan sebanyak RM15,000 iaitu lebih rendah berbanding nilai pasaran kereta anda.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Dapatkan_nasihat_profesional_sebelum_renew_insurans\"><\/span>Dapatkan nasihat profesional sebelum renew insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebelum membuat keputusan memilih jumlah diinsurankanskan mengikut <em>agreed value <\/em>atau <em>market value, <\/em>buat kajian dahulu untuk memahami risiko-risikonya seperti yang dikongsikan di atas. Ini untuk memastikan jumlah perlindungan insurans kereta anda mencukupi.<\/p>\n\n\n\n<p>Perlukan nasihat sebelum <a href=\"https:\/\/bjak.my\/blog\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/\"><em>renew <\/em>insurans kereta<\/a>? Jangan risau, dapatkan khidmat bantuan eksklusif berkenaan insurans secara percuma, hanya di Bjak. <\/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=market-value-vs-agreed-value\">sebut&nbsp;harga percuma&nbsp;<\/a>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=market-value-vs-agreed-value\">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\/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><li><a href=\"https:\/\/bjak.my\/blog\/senarai-talian-hotline-syarikat-insurans-di-malaysia-yang-boleh-dihubungi-2023\/\">Senarai Talian Hotline Syarikat Insurans di Malaysia Yang Boleh Dihubungi (2023)<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Mana yang lebih baik untuk perlindungan kereta anda: agreed value atau market value? Ketahuinya di sini.<\/p>\n","protected":false},"author":5,"featured_media":5540,"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 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Sum Insured Insurans Kereta: Market Value vs Agreed Value<\/title>\n<meta name=\"description\" content=\"Manakah yang lebih baik untuk anda: agreed value atau market value? Sebelum itu, jom kami fahami apakah perbezaan agreed dan market value.\" \/>\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\/market-value-vs-agreed-value\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sum Insured Insurans Kereta: Market Value vs Agreed Value\" \/>\n<meta property=\"og:description\" content=\"Manakah yang lebih baik untuk anda: agreed value atau market value? Sebelum itu, jom kami fahami apakah perbezaan agreed dan market value.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value\" \/>\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=\"2021-10-13T09:46:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-08T06:39:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A4_-Berapakah-jumlah-perlindungan-yang-diperlukan-untuk-insurans-kereta-anda_.jpg?fit=1600%2C900&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\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=\"Nur Adilah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 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! Fastest way to renew in Malaysia!\",\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bjak.my\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#primaryimage\",\"url\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A4_-Berapakah-jumlah-perlindungan-yang-diperlukan-untuk-insurans-kereta-anda_.jpg?fit=1600%2C900&ssl=1\",\"contentUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A4_-Berapakah-jumlah-perlindungan-yang-diperlukan-untuk-insurans-kereta-anda_.jpg?fit=1600%2C900&ssl=1\",\"width\":1600,\"height\":900,\"caption\":\"Jumlah perlindungan yang diperlukan untuk insurans kereta anda\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value\",\"name\":\"Sum Insured Insurans Kereta: Market Value vs Agreed Value\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#primaryimage\"},\"datePublished\":\"2021-10-13T09:46:24+00:00\",\"dateModified\":\"2023-08-08T06:39:52+00:00\",\"description\":\"Manakah yang lebih baik untuk anda: agreed value atau market value? Sebelum itu, jom kami fahami apakah perbezaan agreed dan market value.\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Sum Insured Insurans Kereta: Market Value vs Agreed Value\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/2148b0932ef951cefa0239779b028af4\"},\"headline\":\"Sum Insured Insurans Kereta: Market Value vs Agreed Value\",\"datePublished\":\"2021-10-13T09:46:24+00:00\",\"dateModified\":\"2023-08-08T06:39:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#webpage\"},\"wordCount\":865,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A4_-Berapakah-jumlah-perlindungan-yang-diperlukan-untuk-insurans-kereta-anda_.jpg?fit=1600%2C900&ssl=1\",\"keywords\":[\"BM\",\"insurans kereta\",\"renew insurans\"],\"articleSection\":[\"Insurans Kereta\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/2148b0932ef951cefa0239779b028af4\",\"name\":\"Nur Adilah\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b7485180c4d29781404386d368bd692f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b7485180c4d29781404386d368bd692f?s=96&d=mm&r=g\",\"caption\":\"Nur Adilah\"},\"description\":\"Nur Adilah enjoys writing as a hobby and profession.\",\"url\":\"https:\/\/bjak.my\/blog\/author\/nuradilahramli123\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Sum Insured Insurans Kereta: Market Value vs Agreed Value","description":"Manakah yang lebih baik untuk anda: agreed value atau market value? Sebelum itu, jom kami fahami apakah perbezaan agreed dan market value.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value","og_locale":"en_US","og_type":"article","og_title":"Sum Insured Insurans Kereta: Market Value vs Agreed Value","og_description":"Manakah yang lebih baik untuk anda: agreed value atau market value? Sebelum itu, jom kami fahami apakah perbezaan agreed dan market value.","og_url":"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2021-10-13T09:46:24+00:00","article_modified_time":"2023-08-08T06:39:52+00:00","og_image":[{"width":1600,"height":900,"url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A4_-Berapakah-jumlah-perlindungan-yang-diperlukan-untuk-insurans-kereta-anda_.jpg?fit=1600%2C900&ssl=1","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"Nur Adilah","Est. reading time":"5 minutes"},"schema":{"@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! Fastest way to renew in Malaysia!","publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bjak.my\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#primaryimage","url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A4_-Berapakah-jumlah-perlindungan-yang-diperlukan-untuk-insurans-kereta-anda_.jpg?fit=1600%2C900&ssl=1","contentUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A4_-Berapakah-jumlah-perlindungan-yang-diperlukan-untuk-insurans-kereta-anda_.jpg?fit=1600%2C900&ssl=1","width":1600,"height":900,"caption":"Jumlah perlindungan yang diperlukan untuk insurans kereta anda"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#webpage","url":"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value","name":"Sum Insured Insurans Kereta: Market Value vs Agreed Value","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#primaryimage"},"datePublished":"2021-10-13T09:46:24+00:00","dateModified":"2023-08-08T06:39:52+00:00","description":"Manakah yang lebih baik untuk anda: agreed value atau market value? Sebelum itu, jom kami fahami apakah perbezaan agreed dan market value.","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Sum Insured Insurans Kereta: Market Value vs Agreed Value"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/2148b0932ef951cefa0239779b028af4"},"headline":"Sum Insured Insurans Kereta: Market Value vs Agreed Value","datePublished":"2021-10-13T09:46:24+00:00","dateModified":"2023-08-08T06:39:52+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#webpage"},"wordCount":865,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value#primaryimage"},"thumbnailUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A4_-Berapakah-jumlah-perlindungan-yang-diperlukan-untuk-insurans-kereta-anda_.jpg?fit=1600%2C900&ssl=1","keywords":["BM","insurans kereta","renew insurans"],"articleSection":["Insurans Kereta"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/2148b0932ef951cefa0239779b028af4","name":"Nur Adilah","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b7485180c4d29781404386d368bd692f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b7485180c4d29781404386d368bd692f?s=96&d=mm&r=g","caption":"Nur Adilah"},"description":"Nur Adilah enjoys writing as a hobby and profession.","url":"https:\/\/bjak.my\/blog\/author\/nuradilahramli123"}]}},"jetpack_featured_media_url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A4_-Berapakah-jumlah-perlindungan-yang-diperlukan-untuk-insurans-kereta-anda_.jpg?fit=1600%2C900&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/5316"}],"collection":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=5316"}],"version-history":[{"count":43,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/5316\/revisions"}],"predecessor-version":[{"id":41787,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/5316\/revisions\/41787"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/5540"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=5316"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=5316"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=5316"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}