{"id":53341,"date":"2025-10-16T22:52:53","date_gmt":"2025-10-16T14:52:53","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53341"},"modified":"2025-11-03T17:41:14","modified_gmt":"2025-11-03T09:41:14","slug":"market-value-vs-agreed-value-pilih-perlindungan-insurans-tepat","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value-pilih-perlindungan-insurans-tepat","title":{"rendered":"Market Value vs Agreed Value: Pilih Perlindungan Insurans Tepat"},"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-69d45ff4348f1\" 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-69d45ff4348f1\"><\/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\/market-value-vs-agreed-value-pilih-perlindungan-insurans-tepat\/#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\/market-value-vs-agreed-value-pilih-perlindungan-insurans-tepat\/#Apa_Itu_Market_Value\" title=\"Apa Itu Market Value\">Apa Itu 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-pilih-perlindungan-insurans-tepat\/#Apa_Itu_Agreed_Value\" title=\"Apa Itu Agreed Value\">Apa Itu Agreed Value<\/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\/market-value-vs-agreed-value-pilih-perlindungan-insurans-tepat\/#Market_Value_vs_Agreed_Value_Perbandingan_Cepat\" title=\"Market Value vs Agreed Value: Perbandingan Cepat\">Market Value vs Agreed Value: Perbandingan Cepat<\/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\/market-value-vs-agreed-value-pilih-perlindungan-insurans-tepat\/#Tips_Memilih_Jenis_Perlindungan\" title=\"Tips Memilih Jenis Perlindungan\">Tips Memilih Jenis Perlindungan<\/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-pilih-perlindungan-insurans-tepat\/#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 pemandu keliru bila insurans cakap <strong>Market Value<\/strong> atau <strong>Agreed Value<\/strong>. Kedua-duanya adalah jenis perlindungan, tapi cara mereka tentukan pampasan berbeza. Pilih salah, anda mungkin terima kurang dari nilai sebenar kereta jika berlaku kerosakan atau kerugian total. Artikel ini terangkan perbezaannya, contoh mudah, dan tips memilih berdasarkan nilai kenderaan \u2014 termasuk melalui panel BJAK seperti <strong>Allianz<\/strong>, <strong>Takaful Malaysia<\/strong>, dan <strong>P&amp;O Insurance<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apa_Itu_Market_Value\"><\/span><strong>Apa Itu Market Value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Market Value<\/strong> ialah nilai pasaran kereta pada masa kerugian.<\/p>\n\n\n\n<ul><li>Ditentukan berdasarkan: umur kenderaan, model, kondisi, dan harga semasa pasaran.<br><\/li><li>Sesuai untuk kereta yang sudah <strong>lebih tua<\/strong> atau nilai pasaran mudah berubah.<br><\/li><\/ul>\n\n\n\n<p><strong>Contoh:<\/strong><strong><br><\/strong> Kereta 5 tahun: Market Value RM25,000 \u2192 jika total lost, insurans bayar RM25,000.<br>Kelebihan: biasanya premium lebih murah.<br>Kekurangan: nilai bayaran boleh turun jika pasaran jatuh.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apa_Itu_Agreed_Value\"><\/span><strong>Apa Itu Agreed Value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Agreed Value<\/strong> ialah nilai yang dipersetujui antara pemilik dan syarikat insurans semasa mula polisi.<\/p>\n\n\n\n<ul><li>Sesuai untuk kereta <strong>baru atau kereta import\/rare model<\/strong>.<br><\/li><li>Bayaran penuh seperti nilai yang dipersetujui, walaupun pasaran turun.<br><\/li><\/ul>\n\n\n\n<p><strong>Contoh:<\/strong><strong><br><\/strong> Kereta baru RM100,000 \u2192 Agreed Value RM100,000.<br>Jika total lost dalam 1 tahun \u2192 insurans bayar RM100,000 walaupun pasaran turun kepada RM95,000.<br>Kelebihan: pampasan lebih pasti.<br>Kekurangan: premium biasanya lebih tinggi.<\/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_Perbandingan_Cepat\"><\/span><strong>Market Value vs Agreed Value: Perbandingan Cepat<\/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>Ciri<\/strong><\/td><td><strong>Market Value<\/strong><\/td><td><strong>Agreed Value<\/strong><\/td><\/tr><tr><td>Premium<\/td><td>Lebih murah<\/td><td>Lebih mahal<\/td><\/tr><tr><td>Nilai Pampasan<\/td><td>Berdasarkan harga pasaran<\/td><td>Berdasarkan nilai yang dipersetujui<\/td><\/tr><tr><td>Sesuai Untuk<\/td><td>Kereta lama \/ pasaran berubah<\/td><td>Kereta baru \/ kereta import \/ rare<\/td><\/tr><tr><td>Risiko<\/td><td>Pampasan boleh kurang jika pasaran jatuh<\/td><td>Pampasan tetap seperti dipersetujui<\/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=\"Tips_Memilih_Jenis_Perlindungan\"><\/span><strong>Tips Memilih Jenis Perlindungan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li><strong>Kereta baru (1\u20133 tahun):<\/strong> Agreed Value biasanya lebih selamat.<br><\/li><li><strong>Kereta lama \/ nilai pasaran stabil:<\/strong> Market Value lebih ekonomik.<br><\/li><li><strong>Semak panel insurans BJAK:<\/strong> Allianz, Takaful Malaysia, P&amp;O Insurance ada tawaran kedua-dua jenis.<br><\/li><li><strong>Pertimbangkan NCD &amp; roadtax:<\/strong> Jangan lupa faktor kos insurans tahunan keseluruhan sebelum pilih jenis perlindungan.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53403\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value-pilih-perlindungan-insurans-tepat\/attachment\/3-87\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-87.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=\"3-87\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-87.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-87.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-87.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik perbandingan Market Value dan Agreed Value dalam insurans kereta, tunjuk premium, nilai pampasan, dan jenis kereta sesuai untuk setiap jenis perlindungan.\" class=\"wp-image-53403\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-87.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-87.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-87.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-87.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-87.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>Memahami <strong>Market Value<\/strong> dan <strong>Agreed Value<\/strong> penting supaya anda dapat pampasan insurans sewajarnya. Pilih jenis yang sesuai dengan kereta, bajet premium, dan strategi perlindungan keseluruhan. BJAK memudahkan perbandingan dan sebut harga dari panel insurans terpilih, memastikan anda buat pilihan bijak.<\/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=market-value-vs-agreed-value-pilih-perlindungan-insurans-tepat\" 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\/roadtax-kereta-lama-vs-baru-bezanya-kadar-cara-jimat-bayaran\">Roadtax Kereta Lama vs Baru: Bezanya, Kadar &amp; Cara Jimat Bayaran<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-transfer-ncd-insurance-antara-kenderaan-dengan-betul\">Cara Transfer NCD Insurance Antara Kenderaan Dengan Betul<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/kalkulator-insurans-kereta-untuk-bandingkan-syarikat-insurans\">Kalkulator Insurans Kereta Untuk Bandingkan Syarikat Insurans<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fahami beza Market Value dan Agreed Value sebelum pilih insurans kereta. Market Value ikut harga pasaran, lebih murah; Agreed Value tetap, sesuai kereta baru atau import. Panduan ini tunjuk cara pilih perlindungan tepat dan banding sebut harga panel BJAK untuk jimat kos tahunan.<\/p>\n","protected":false},"author":31,"featured_media":53402,"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":[2959,2836],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Market Value vs Agreed Value: Pilih Perlindungan Insurans Tepat | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Market Value vs Agreed Value: Pilih Perlindungan Insurans Tepat yang paling sesuai untuk kereta 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\/market-value-vs-agreed-value-pilih-perlindungan-insurans-tepat\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Market Value vs Agreed Value: Pilih Perlindungan Insurans Tepat | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Market Value vs Agreed Value: Pilih Perlindungan Insurans Tepat yang paling sesuai untuk kereta anda.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value-pilih-perlindungan-insurans-tepat\" \/>\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=\"2025-10-16T14:52:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-03T09:41:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-87.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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