{"id":53351,"date":"2025-10-16T22:54:27","date_gmt":"2025-10-16T14:54:27","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53351"},"modified":"2025-11-03T17:58:22","modified_gmt":"2025-11-03T09:58:22","slug":"fahami-kenapa-premium-insurans-naik-setiap-tahun","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-kenapa-premium-insurans-naik-setiap-tahun","title":{"rendered":"Fahami Kenapa Premium Insurans Naik Setiap Tahun"},"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-69d46e8259a7d\" 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-69d46e8259a7d\"><\/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\/fahami-kenapa-premium-insurans-naik-setiap-tahun\/#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\/fahami-kenapa-premium-insurans-naik-setiap-tahun\/#Faktor_1_NCD_Rekod_Tuntutan\" title=\"Faktor 1: NCD &amp; Rekod Tuntutan\">Faktor 1: NCD &amp; Rekod Tuntutan<\/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\/fahami-kenapa-premium-insurans-naik-setiap-tahun\/#Faktor_2_Perubahan_Kadar_Roadtax\" title=\"Faktor 2: Perubahan Kadar Roadtax\">Faktor 2: Perubahan Kadar Roadtax<\/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\/fahami-kenapa-premium-insurans-naik-setiap-tahun\/#Faktor_3_Umur_Nilai_Kenderaan\" title=\"Faktor 3: Umur &amp; Nilai Kenderaan\">Faktor 3: Umur &amp; Nilai 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\/fahami-kenapa-premium-insurans-naik-setiap-tahun\/#Faktor_4_Trend_Insurans_Inflasi\" title=\"Faktor 4: Trend Insurans &amp; Inflasi\">Faktor 4: Trend Insurans &amp; Inflasi<\/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\/fahami-kenapa-premium-insurans-naik-setiap-tahun\/#Faktor_5_Profil_Pemandu_Rekod_Jalan_Raya\" title=\"Faktor 5: Profil Pemandu &amp; Rekod Jalan Raya\">Faktor 5: Profil Pemandu &amp; Rekod Jalan Raya<\/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\/fahami-kenapa-premium-insurans-naik-setiap-tahun\/#Tips_Kurangkan_Kenaikan_Premium\" title=\"Tips Kurangkan Kenaikan Premium\">Tips Kurangkan Kenaikan Premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-kenapa-premium-insurans-naik-setiap-tahun\/#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 tertanya-tanya kenapa <strong>premium insurans<\/strong> naik setiap tahun walaupun tiada tuntutan dibuat. Kenaikan ini bukan sekadar kebetulan \u2014 ia ada sebab tersendiri. Artikel ini terangkan faktor utama di sebalik kenaikan premium, termasuk kesan <strong>NCD, kadar roadtax, jenis kereta, dan trend insurans<\/strong>, serta cara untuk kurangkan kesannya menggunakan <strong>BJAK Calculator<\/strong> dan pilihan panel seperti <strong>Allianz, Takaful Malaysia, atau 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=\"Faktor_1_NCD_Rekod_Tuntutan\"><\/span><strong>Faktor 1: NCD &amp; Rekod Tuntutan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Setiap kali anda membuat tuntutan, NCD akan <strong>turun<\/strong> atau hilang.<br><\/li><li>Premium selepas NCD rendah akan lebih tinggi berbanding tahun sebelumnya.<br><\/li><li>Walaupun tiada tuntutan, sesetengah polisi naik ikut formula tahunan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Faktor_2_Perubahan_Kadar_Roadtax\"><\/span><strong>Faktor 2: Perubahan Kadar Roadtax<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Roadtax tinggi = risiko &amp; kos insurans meningkat.<br><\/li><li>Perubahan kapasiti enjin atau penetapan kadar di negeri juga boleh menaikkan premium.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Faktor_3_Umur_Nilai_Kenderaan\"><\/span><strong>Faktor 3: Umur &amp; Nilai Kenderaan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Kereta baru \u2192 premium lebih tinggi kerana kos gantian mahal.<br><\/li><li>Kereta semakin tua \u2192 premium mungkin naik untuk sesetengah risiko, terutamanya jika nilai pasaran menurun dan perlindungan Market Value digunakan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Faktor_4_Trend_Insurans_Inflasi\"><\/span><strong>Faktor 4: Trend Insurans &amp; Inflasi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Kos pembaikan, alat ganti, dan kos buruh meningkat \u2192 premium ikut naik.<br><\/li><li>Inflasi juga menyebabkan kadar asas insurans naik walaupun risiko pemandu sama.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Faktor_5_Profil_Pemandu_Rekod_Jalan_Raya\"><\/span><strong>Faktor 5: Profil Pemandu &amp; Rekod Jalan Raya<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Umur, pengalaman, dan rekod saman \/ kemalangan boleh menyebabkan premium naik.<br><\/li><li>BJAK menyediakan perbandingan panel insurans supaya anda boleh cari harga paling kompetitif.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Tips_Kurangkan_Kenaikan_Premium\"><\/span><strong>Tips Kurangkan Kenaikan Premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li>Kekalkan NCD dengan elak tuntutan kecil.<br><\/li><li>Semak nilai roadtax &amp; gabungkan dengan BJAK Calculator untuk anggaran kos sebenar.<br><\/li><li>Banding harga panel insurans BJAK (Allianz, Takaful Malaysia, P&amp;O Insurance).<br><\/li><li>Pilih jenis perlindungan sesuai (Market Value vs Agreed Value).<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=\"53412\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-kenapa-premium-insurans-naik-setiap-tahun\/attachment\/3-90\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-90.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=\"3-90\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-90.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-90.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\/3-90.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Circular diagram tunjuk lima faktor utama kenapa premium insurans kereta naik setiap tahun: NCD, roadtax, nilai kenderaan, inflasi dan profil pemandu.\" class=\"wp-image-53412\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-90.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-90.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-90.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-90.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-90.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>Kenapa premium insurans naik setiap tahun bukan sekadar nasib malang \u2014 ia dipengaruhi NCD, roadtax, nilai kereta, trend kos, dan profil pemandu. Dengan pemahaman ini, anda boleh ambil langkah bijak: kekalkan NCD, semak roadtax, dan banding harga panel BJAK untuk kurangkan kos tahunan.<\/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=fahami-kenapa-premium-insurans-naik-setiap-tahun\" 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\/kira-roadtax-kereta-online-malaysia-dengan-mudah\">Kira Roadtax Kereta Online Malaysia Dengan Mudah<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/servis-kereta-sekarang-bayar-kemudian-dengan-bjak-bengkel\">Servis Kereta Sekarang, Bayar Kemudian Dengan BJAK Bengkel<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/bjak-bengkel-servis-kereta-dengan-ansuran-rm10\">BJAK Bengkel: Servis Kereta Dengan Ansuran RM10<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Premium insurans boleh naik setiap tahun walaupun tiada tuntutan dibuat. Faktor termasuk NCD, kadar roadtax, nilai kereta, inflasi, dan profil pemandu. Panduan ini tunjuk punca kenaikan dan cara bijak kurangkan kos dengan semakan BJAK Calculator serta banding panel insurans BJAK.<\/p>\n","protected":false},"author":31,"featured_media":53411,"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":[93,172],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fahami Kenapa Premium Insurans Naik Setiap Tahun | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Fahami Kenapa Premium Insurans Naik Setiap Tahun &amp; cara jimat kos dengan bijak melalui BJAK!\" \/>\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\/fahami-kenapa-premium-insurans-naik-setiap-tahun\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fahami Kenapa Premium Insurans Naik Setiap Tahun | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Fahami Kenapa Premium Insurans Naik Setiap Tahun &amp; cara jimat kos dengan bijak melalui BJAK!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-kenapa-premium-insurans-naik-setiap-tahun\" \/>\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=\"2025-10-16T14:54:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-03T09:58:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-90.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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