{"id":53468,"date":"2025-10-17T20:06:47","date_gmt":"2025-10-17T12:06:47","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53468"},"modified":"2025-11-03T17:57:48","modified_gmt":"2025-11-03T09:57:48","slug":"cara-elak-bayar-insurans-yang-tidak-perlu","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-elak-bayar-insurans-yang-tidak-perlu","title":{"rendered":"Cara Elak Bayar Insurans yang Tidak Perlu"},"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-69d46e80b7e72\" 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-69d46e80b7e72\"><\/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\/cara-elak-bayar-insurans-yang-tidak-perlu\/#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\/cara-elak-bayar-insurans-yang-tidak-perlu\/#1_Perlindungan_yang_Sering_Dibeli_Tapi_Tak_Selalu_Perlu\" title=\"1. Perlindungan yang Sering Dibeli Tapi Tak Selalu Perlu\">1. Perlindungan yang Sering Dibeli Tapi Tak Selalu Perlu<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-elak-bayar-insurans-yang-tidak-perlu\/#a_Cermin_Kereta_Windscreen\" title=\"a. Cermin Kereta (Windscreen)\">a. Cermin Kereta (Windscreen)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-elak-bayar-insurans-yang-tidak-perlu\/#b_Perlindungan_Banjir_Kerosakan_Alam\" title=\"b. Perlindungan Banjir \/ Kerosakan Alam\">b. Perlindungan Banjir \/ Kerosakan Alam<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-elak-bayar-insurans-yang-tidak-perlu\/#c_Perlindungan_Kemalangan_Diri_PA_Driver_Passenger\" title=\"c. Perlindungan Kemalangan Diri (PA Driver &amp; Passenger)\">c. Perlindungan Kemalangan Diri (PA Driver &amp; Passenger)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-elak-bayar-insurans-yang-tidak-perlu\/#d_Aksesori_Tambahan_Sports_Rim_Audio_System\" title=\"d. Aksesori Tambahan (Sports Rim, Audio System)\">d. Aksesori Tambahan (Sports Rim, Audio System)<\/a><\/li><\/ul><\/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\/cara-elak-bayar-insurans-yang-tidak-perlu\/#2_Cara_Semak_Polisi_Anda\" title=\"2. Cara Semak Polisi Anda\">2. Cara Semak Polisi Anda<\/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\/cara-elak-bayar-insurans-yang-tidak-perlu\/#3_Kesan_Kalau_Tak_Semak_Polisi\" title=\"3. Kesan Kalau Tak Semak Polisi\">3. Kesan Kalau Tak Semak Polisi<\/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\/cara-elak-bayar-insurans-yang-tidak-perlu\/#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 kenderaan di Malaysia tak sedar mereka bayar lebih untuk insurans. Kadang sebab tak faham fungsi setiap perlindungan, kadang pula sebab ejen masukkan add-on tanpa penerangan penuh. Artikel ini bantu anda kenal pasti jenis perlindungan yang <em>tak wajib<\/em> dan cara semak semula polisi melalui <strong>BJAK<\/strong>, supaya bajet anda tak terbazir dengan insurans yang tidak perlu.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Perlindungan_yang_Sering_Dibeli_Tapi_Tak_Selalu_Perlu\"><\/span><strong>1. Perlindungan yang Sering Dibeli Tapi Tak Selalu Perlu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"a_Cermin_Kereta_Windscreen\"><\/span><strong>a. Cermin Kereta (Windscreen)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Perlindungan ini berguna kalau anda guna kereta mahal atau kerap parkir di tempat terbuka. Tapi untuk kereta biasa, kos ganti cermin depan jarang melebihi nilai premium tambahan yang dibayar setiap tahun.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"b_Perlindungan_Banjir_Kerosakan_Alam\"><\/span><strong>b. Perlindungan Banjir \/ Kerosakan Alam<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Jika anda tinggal di kawasan tinggi atau tidak pernah alami banjir, anda boleh pertimbangkan untuk <em>tidak tambah<\/em> perlindungan ini. Walaupun penting, ia tidak wajib untuk semua orang.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"c_Perlindungan_Kemalangan_Diri_PA_Driver_Passenger\"><\/span><strong>c. Perlindungan Kemalangan Diri (PA Driver &amp; Passenger)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Ramai dah dilindungi di bawah polisi hayat, takaful, atau syarikat majikan. Jadi, tambah perlindungan PA dalam insurans kereta boleh jadi pertindihan yang tak perlu.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"d_Aksesori_Tambahan_Sports_Rim_Audio_System\"><\/span><strong>d. Aksesori Tambahan (Sports Rim, Audio System)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Perlindungan ini hanya berbaloi jika anda benar-benar memasang aksesori bernilai tinggi. Kalau tidak, caj tambahan lebih besar dari manfaat sebenar.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53528\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-elak-bayar-insurans-yang-tidak-perlu\/attachment\/3-99\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-99.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=\"3-99\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-99.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-99.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\/3-99.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik perbandingan add-on insurans yang penting berbanding yang tidak wajib, memudahkan pengguna mengenal pasti perlindungan relevan sebelum renew polisi.\n\" class=\"wp-image-53528\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-99.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-99.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-99.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-99.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-99.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=\"2_Cara_Semak_Polisi_Anda\"><\/span><strong>2. Cara Semak Polisi Anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Anda boleh <strong>semak polisi aktif melalui BJAK<\/strong>:<\/p>\n\n\n\n<ul><li>Layari <strong>BJAK.my<\/strong> dan dapatkan sebut harga baru.<br><\/li><li>Sistem akan paparkan semua komponen polisi termasuk add-on (banjir, cermin, PA, dsb).<br><\/li><li>Padam atau semak semula perlindungan yang tak perlu sebelum memperbaharui insurans.<br><\/li><\/ul>\n\n\n\n<p><strong>BJAK Tip:<\/strong> Jika anda masih ragu, hubungi wakil BJAK melalui <strong>WhatsApp, panggilan, atau e-mel<\/strong>. Mereka boleh semak semula add-on anda dan bantu kemas kini sebut harga agar hanya yang penting dikekalkan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Kesan_Kalau_Tak_Semak_Polisi\"><\/span><strong>3. Kesan Kalau Tak Semak Polisi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>Bayar premium lebih tinggi tanpa sebab.<\/strong><strong><br><\/strong><\/li><li><strong>Boleh berlaku pertindihan perlindungan<\/strong> antara polisi peribadi dan insurans kenderaan.<br><\/li><li><strong>NCD tidak dimanfaatkan sepenuhnya<\/strong>, sebab nilai premium asas meningkat.<br><\/li><\/ul>\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>Tidak semua perlindungan insurans wajib diambil. Fahami keperluan anda, semak semula polisi, dan pastikan hanya pilih add-on yang benar-benar relevan. Dengan bantuan <strong>BJAK<\/strong>, anda boleh semak, banding, dan hapus insurans yang tidak perlu \u2014 semuanya dalam satu platform mudah.<\/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=cara-elak-bayar-insurans-yang-tidak-perlu\" 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-buat-tuntutan-kerosakan-cermin-kereta-dengan-betul\">Cara Buat Tuntutan Kerosakan Cermin Kereta Dengan Betul<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/market-value-vs-agreed-value-pilih-perlindungan-insurans-tepat\">Market Value vs Agreed Value: Pilih Perlindungan Insurans Tepat<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/panduan-renew-roadtax-melalui-myjpj-app\">Panduan Renew Roadtax Melalui MyJPJ App<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemilik kenderaan tak sedar mereka bayar lebih untuk add-on yang tak diperlukan. Contohnya perlindungan banjir, cermin, dan PA tambahan. Ketahui cara elak bayaran berlebihan dan semak polisi anda melalui BJAK supaya hanya perlindungan penting dikekalkan tanpa ganggu bajet.<\/p>\n","protected":false},"author":31,"featured_media":53527,"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":[2970,93],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cara Elak Bayar Insurans yang Tidak Perlu | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Cara Elak Bayar Insurans yang Tidak Perlu. 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