{"id":53480,"date":"2025-10-17T20:09:46","date_gmt":"2025-10-17T12:09:46","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53480"},"modified":"2025-10-29T23:56:40","modified_gmt":"2025-10-29T15:56:40","slug":"panduan-lengkap-untuk-pemilik-kereta-pertama-kali-beli-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-lengkap-untuk-pemilik-kereta-pertama-kali-beli-insurans","title":{"rendered":"Panduan Lengkap Untuk Pemilik Kereta Pertama Kali Beli Insurans"},"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-6a09cff4e19fa\" 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-6a09cff4e19fa\"><\/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\/panduan-lengkap-untuk-pemilik-kereta-pertama-kali-beli-insurans\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-lengkap-untuk-pemilik-kereta-pertama-kali-beli-insurans\/#1_Kenal_Pasti_Jenis_Perlindungan\" title=\"1. Kenal Pasti Jenis Perlindungan\">1. Kenal Pasti Jenis Perlindungan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-lengkap-untuk-pemilik-kereta-pertama-kali-beli-insurans\/#2_Faham_NCD_No_Claim_Discount\" title=\"2. Faham NCD (No Claim Discount)\">2. Faham NCD (No Claim Discount)<\/a><\/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\/panduan-lengkap-untuk-pemilik-kereta-pertama-kali-beli-insurans\/#3_Bandingkan_Sebelum_Beli\" title=\"3. Bandingkan Sebelum Beli\">3. Bandingkan Sebelum Beli<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-lengkap-untuk-pemilik-kereta-pertama-kali-beli-insurans\/#4_Semak_eCoverNote_Polisi\" title=\"4. Semak eCoverNote &amp; Polisi\">4. Semak eCoverNote &amp; Polisi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-lengkap-untuk-pemilik-kereta-pertama-kali-beli-insurans\/#5_Perbaharui_Roadtax_Sekaligus\" title=\"5. Perbaharui Roadtax Sekaligus\">5. Perbaharui Roadtax Sekaligus<\/a><\/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\/panduan-lengkap-untuk-pemilik-kereta-pertama-kali-beli-insurans\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tahniah atas kereta pertama anda! <br>Tapi sebelum boleh pandu di jalan raya, anda wajib ada <strong>insurans kenderaan<\/strong> yang sah. Ramai pemilik baru keliru antara jenis perlindungan, kadar NCD, dan cara beli insurans yang betul. Jangan risau ,panduan ini bantu anda faham semua dari A sampai Z bagi pemandu baru yang pertama kali beli insurans.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Kenal_Pasti_Jenis_Perlindungan\"><\/span><strong>1. Kenal Pasti Jenis Perlindungan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Terdapat tiga jenis insurans utama di Malaysia:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><tbody><tr><td><strong>Jenis Perlindungan<\/strong><\/td><td><strong>Ciri-Ciri<\/strong><\/td><td><strong>Sesuai Untuk<\/strong><\/td><\/tr><tr><td><strong>Pihak Ketiga (Third Party)<\/strong><\/td><td>Lindungi kerosakan \/ kecederaan pihak lain<\/td><td>Bajet rendah<\/td><\/tr><tr><td><strong>Pihak Ketiga, Kebakaran &amp; Kecurian (TPFT)<\/strong><\/td><td>Tambah perlindungan untuk kebakaran &amp; kecurian<\/td><td>Kenderaan lama<\/td><\/tr><tr><td><strong>Komprehensif (Comprehensive)<\/strong><\/td><td>Lindungi kereta anda &amp; pihak lain<\/td><td>Kereta baru atau masih ada pinjaman bank<\/td><\/tr><\/tbody><\/table><figcaption><em>Tip BJAK:<\/em> Jika kereta masih dalam pinjaman, pihak bank biasanya wajibkan insurans <strong>komprehensif<\/strong>.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Faham_NCD_No_Claim_Discount\"><\/span><strong>2. Faham NCD (No Claim Discount)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD ialah diskaun yang diberikan jika anda tidak buat sebarang tuntutan insurans tahun sebelumnya.<br>Kadar NCD boleh mencecah <strong>55%<\/strong>, jadi pastikan anda semak status NCD sebelum beli.<\/p>\n\n\n\n<p>Semak mudah di <strong>BJAK.my<\/strong> \u2014 masukkan nombor plat dan sistem akan tunjukkan diskaun semasa anda secara automatik.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Bandingkan_Sebelum_Beli\"><\/span><strong>3. Bandingkan Sebelum Beli<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jangan terus beli dari satu syarikat.<br>Gunakan <strong>BJAK<\/strong> untuk bandingkan harga dari lebih 10 syarikat seperti Allianz, Zurich, Takaful Malaysia dan Etiqa.<br>Anda boleh lihat terus perbezaan premium, manfaat, dan caj tambahan \u2014 semuanya dalam satu paparan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Semak_eCoverNote_Polisi\"><\/span><strong>4. Semak eCoverNote &amp; Polisi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Selepas beli, anda akan terima <strong>eCoverNote<\/strong> melalui WhatsApp atau e-mel.<br>Dokumen ini sah digunakan untuk memperbaharui <strong>roadtax<\/strong>.<br>Simpan salinan digital dan pastikan maklumat seperti nombor enjin dan cas premium betul.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Perbaharui_Roadtax_Sekaligus\"><\/span><strong>5. Perbaharui Roadtax Sekaligus<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Selepas insurans aktif, teruskan perbaharui roadtax di:<\/p>\n\n\n\n<ul><li><strong>BJAK<\/strong> (boleh semak kos gabungan insurans + roadtax)<br><\/li><li><strong>JPJ \/ MyJPJ \/ Pos Malaysia<\/strong><strong><br><\/strong><\/li><\/ul>\n\n\n\n<p>Jika guna <strong>BJAK<\/strong>, anda boleh pilih untuk hantar fizikal (ada caj penghantaran \u00b1RM10) atau kekal digital tanpa caj tambahan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53540\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-lengkap-untuk-pemilik-kereta-pertama-kali-beli-insurans\/attachment\/3-103\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-103.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=\"3-103\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-103.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-103.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\/3-103.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik langkah mudah untuk pemilik baru beli insurans pertama melalui BJAK, dari pemilihan perlindungan hingga pembaharuan roadtax.\" class=\"wp-image-53540\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-103.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-103.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-103.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-103.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-103.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<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Beli insurans kereta pertama kali tak perlu rumit. Dengan <strong>BJAK<\/strong>, anda boleh semak, banding, dan beli terus secara dalam talian. Prosesnya cepat, telus, dan sah di sisi undang-undang.<br>Pastikan anda faham jenis perlindungan dan manfaat yang diterima \u2014 dan nikmati pemanduan pertama anda dengan tenang!<\/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=panduan-lengkap-untuk-pemilik-kereta-pertama-kali-beli-insurans\" 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\/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\/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\/kadar-roadtax-malaysia-mengikut-kapasiti-enjin\">Kadar Roadtax Malaysia Mengikut Kapasiti Enjin<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Baru dapat kereta pertama dan tak tahu nak mula dari mana untuk beli insurans? Panduan ini terangkan langkah-langkah penting \u2014 dari pilih jenis perlindungan, semak NCD, hingga beli terus melalui BJAK. Dengan panduan ini, anda boleh buat keputusan bijak dan elak tersilap bayar premium mahal.<\/p>\n","protected":false},"author":31,"featured_media":53539,"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":[243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Panduan Lengkap Untuk Pemilik Kereta Pertama Kali Beli Insurans | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Panduan Lengkap Untuk Pemilik Kereta Pertama Kali Beli Insurans semuanya mudah dengan panduan 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\/panduan-lengkap-untuk-pemilik-kereta-pertama-kali-beli-insurans\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Panduan Lengkap Untuk Pemilik Kereta Pertama Kali Beli Insurans | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Panduan Lengkap Untuk Pemilik Kereta Pertama Kali Beli Insurans semuanya mudah dengan panduan BJAK.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-lengkap-untuk-pemilik-kereta-pertama-kali-beli-insurans\" \/>\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=\"2025-10-17T12:09:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T15:56:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-103.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=\"BJAK Content Team\" \/>\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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