{"id":53354,"date":"2025-10-16T22:55:04","date_gmt":"2025-10-16T14:55:04","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53354"},"modified":"2025-10-29T23:56:58","modified_gmt":"2025-10-29T15:56:58","slug":"kesan-tukar-enjin-modifikasi-pada-polisi-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kesan-tukar-enjin-modifikasi-pada-polisi-insurans-kereta","title":{"rendered":"Kesan Tukar Enjin &#038; Modifikasi pada Polisi 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-69d4726fe8ab0\" 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-69d4726fe8ab0\"><\/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\/kesan-tukar-enjin-modifikasi-pada-polisi-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\/kesan-tukar-enjin-modifikasi-pada-polisi-insurans-kereta\/#Kesan_Tukar_Enjin\" title=\"Kesan Tukar Enjin\">Kesan Tukar Enjin<\/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\/kesan-tukar-enjin-modifikasi-pada-polisi-insurans-kereta\/#Kesan_Modifikasi_Lain\" title=\"Kesan Modifikasi Lain\">Kesan Modifikasi Lain<\/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\/kesan-tukar-enjin-modifikasi-pada-polisi-insurans-kereta\/#Cara_Kemaskini_Polisi_Dengan_BJAK\" title=\"Cara Kemaskini Polisi Dengan BJAK\">Cara Kemaskini Polisi Dengan BJAK<\/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\/kesan-tukar-enjin-modifikasi-pada-polisi-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 kereta gemar tukar enjin atau buat modifikasi untuk prestasi atau estetika tanpa sedar kesan pada kadar insurans. Namun, perubahan ini boleh beri impak besar pada polisi insurans. Insurans mungkin <strong>naik premium<\/strong>, <strong>hadkan perlindungan<\/strong>, atau <strong>tuntutan tidak sah<\/strong> jika perubahan tidak dilaporkan. Artikel ini terangkan kesan tukar enjin dan modifikasi, serta cara <strong>semak dan kemaskini polisi melalui BJAK<\/strong> supaya perlindungan kekal sah.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kesan_Tukar_Enjin\"><\/span><strong>Kesan Tukar Enjin<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>Premium Naik:<\/strong> Enjin lebih besar atau berkuasa tinggi = risiko lebih tinggi = premium meningkat.<br><\/li><li><strong>Perlindungan Terhad:<\/strong> Sesetengah panel insurans mungkin tidak cover kereta yang ditukar enjin jika tidak dilaporkan.<br><\/li><li><strong>Tuntutan Tidak Sah:<\/strong> Jika berlaku kerosakan, insurans boleh <strong>tolak tuntutan<\/strong> jika tukar enjin tidak dilaporkan.<br><\/li><\/ul>\n\n\n\n<p>Tip BJAK: Semak semula polisi dengan panel seperti <strong>Allianz, Takaful Malaysia, dan P&amp;O Insurance<\/strong> selepas tukar enjin supaya NCD dan roadtax tetap sah.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kesan_Modifikasi_Lain\"><\/span><strong>Kesan Modifikasi Lain<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Modifikasi estetika (lampu, rim, body kit) biasanya <strong>tidak naikkan premium<\/strong>, tapi perlu dilaporkan.<br><\/li><li>Modifikasi prestasi (turbo, chip tuning, suspensi custom) <strong>boleh naikkan premium<\/strong> atau hadkan tuntutan.<br><\/li><li>BJAK Calculator boleh bantu kira anggaran premium baru selepas modifikasi supaya bajet lebih jelas.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Cara_Kemaskini_Polisi_Dengan_BJAK\"><\/span><strong>Cara Kemaskini Polisi Dengan BJAK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li>Log masuk ke <strong>BJAK Calculator<\/strong> atau hubungi panel.<br><\/li><li>Pilih kenderaan anda &amp; kemaskini spesifikasi baru (enjin, modifikasi).<br><\/li><li>Sistem akan tunjuk premium baru &amp; kesan pada NCD.<br><\/li><li>Terus kemaskini polisi supaya semua perubahan sah di mata insurans.<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=\"53415\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kesan-tukar-enjin-modifikasi-pada-polisi-insurans-kereta\/attachment\/3-91\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-91.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=\"3-91\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-91.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-91.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\/3-91.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik perbandingan kesan tukar enjin dan modifikasi pada polisi insurans kereta: sebelum vs selepas, tunjuk premium, NCD, dan risiko tuntutan.\n\" class=\"wp-image-53415\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-91.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-91.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-91.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-91.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-91.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>Tukar enjin atau buat modifikasi boleh beri impak besar pada polisi insurans. Jangan abaikan keperluan lapor perubahan untuk elak premium naik mengejut atau tuntutan ditolak. BJAK membantu semak dan kemaskini polisi, serta anggaran premium terbaru supaya perlindungan anda kekal sah.<\/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=kesan-tukar-enjin--modifikasi-pada-polisi-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-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\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/kira-roadtax-kereta-komersial-malaysia-dengan-mudah\">Kira Roadtax Kereta Komersial Malaysia Dengan Mudah<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tukar enjin atau buat modifikasi boleh naikkan premium insurans atau jejaskan NCD jika tidak dilaporkan. Panduan ini terangkan kesan perubahan kereta pada polisi insurans dan cara kemaskini dengan BJAK supaya perlindungan tetap sah dan kos tahunan terkawal.<\/p>\n","protected":false},"author":31,"featured_media":53414,"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":[2963,365,2962],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kesan Tukar Enjin &amp; Modifikasi pada Polisi Insurans Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Kesan Tukar Enjin &amp; Modifikasi pada Polisi Insurans Kereta &amp; bagaimana BJAK bantu urus premium dengan tepat\" \/>\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\/kesan-tukar-enjin-modifikasi-pada-polisi-insurans-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kesan Tukar Enjin &amp; Modifikasi pada Polisi Insurans Kereta | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Kesan Tukar Enjin &amp; Modifikasi pada Polisi Insurans Kereta &amp; bagaimana BJAK bantu urus premium dengan tepat\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kesan-tukar-enjin-modifikasi-pada-polisi-insurans-kereta\" \/>\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=\"2025-10-16T14:55:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T15:56:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-91.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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