{"id":53588,"date":"2025-10-18T19:57:13","date_gmt":"2025-10-18T11:57:13","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53588"},"modified":"2025-10-29T23:56:22","modified_gmt":"2025-10-29T15:56:22","slug":"apa-itu-excess-dalam-polisi-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-itu-excess-dalam-polisi-insurans-kereta","title":{"rendered":"Apa Itu \u201cExcess\u201d Dalam 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-69d442beccf89\" 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-69d442beccf89\"><\/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\/apa-itu-excess-dalam-polisi-insurans-kereta\/#1_Apa_Maksud_%E2%80%9CExcess%E2%80%9D_Dalam_Insurans_Kereta\" title=\"1. Apa Maksud \u201cExcess\u201d Dalam Insurans Kereta?\">1. Apa Maksud \u201cExcess\u201d Dalam Insurans Kereta?<\/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\/apa-itu-excess-dalam-polisi-insurans-kereta\/#2_Jenis-Jenis_Excess_yang_Perlu_Diketahui\" title=\"2. Jenis-Jenis Excess yang Perlu Diketahui\">2. Jenis-Jenis Excess yang Perlu Diketahui<\/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\/apa-itu-excess-dalam-polisi-insurans-kereta\/#Standard_Excess\" title=\" Standard Excess\"> Standard Excess<\/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\/apa-itu-excess-dalam-polisi-insurans-kereta\/#Compulsory_Excess\" title=\"Compulsory Excess\">Compulsory Excess<\/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\/apa-itu-excess-dalam-polisi-insurans-kereta\/#Voluntary_Excess\" title=\" Voluntary Excess\"> Voluntary Excess<\/a><\/li><\/ul><\/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\/apa-itu-excess-dalam-polisi-insurans-kereta\/#3_Bila_Excess_Akan_Dikenakan\" title=\"3. Bila Excess Akan Dikenakan?\">3. Bila Excess Akan Dikenakan?<\/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\/apa-itu-excess-dalam-polisi-insurans-kereta\/#4_Cara_Elak_atau_Kurangkan_Bayaran_Excess\" title=\"4. Cara Elak atau Kurangkan Bayaran Excess\">4. Cara Elak atau Kurangkan Bayaran Excess<\/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\/apa-itu-excess-dalam-polisi-insurans-kereta\/#5_Contoh_Situasi_Sebenar\" title=\"5. Contoh Situasi Sebenar\">5. Contoh Situasi Sebenar<\/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\/apa-itu-excess-dalam-polisi-insurans-kereta\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_Apa_Maksud_%E2%80%9CExcess%E2%80%9D_Dalam_Insurans_Kereta\"><\/span><strong>1. Apa Maksud \u201cExcess\u201d Dalam Insurans Kereta?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u201cExcess\u201d dalam polisi insurans ialah jumlah <strong>tanggungan sendiri (self-contribution)<\/strong> yang wajib dibayar oleh pemegang polisi setiap kali buat tuntutan tertentu.<br>Ia ibarat <strong>kongsi risiko<\/strong> antara anda dan syarikat insurans.<br>Contohnya, kalau polisi anda ada excess RM400 dan kerosakan bernilai RM2,000, maka:<\/p>\n\n\n\n<ul><li>Anda bayar RM400<br><\/li><li>Syarikat insurans bayar baki RM1,600<br><\/li><\/ul>\n\n\n\n<p>Jumlah excess ni berbeza mengikut polisi, jenis kenderaan, dan punca kemalangan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Jenis-Jenis_Excess_yang_Perlu_Diketahui\"><\/span><strong>2. Jenis-Jenis Excess yang Perlu Diketahui<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Terdapat beberapa kategori excess yang biasa dinyatakan dalam polisi insurans:<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"Standard_Excess\"><\/span><strong> Standard Excess<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Jumlah asas yang dikenakan setiap kali tuntutan dibuat. Biasanya sekitar <strong>RM200 \u2013 RM400<\/strong>, bergantung kepada syarikat insurans.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"Compulsory_Excess\"><\/span><strong>Compulsory Excess<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Dikenakan dalam situasi tertentu, contohnya:<\/p>\n\n\n\n<ul><li>Pemandu berumur <strong>di bawah 21 tahun<\/strong><strong><br><\/strong><\/li><li>Lesen <strong>kurang 2 tahun (lesen percubaan \/ P)<\/strong><strong><br><\/strong><\/li><li>Pemandu <strong>bukan dinamakan<\/strong> dalam polisi (unnamed driver)<br><\/li><\/ul>\n\n\n\n<p>Biasanya jumlah <strong>compulsory excess ialah RM400<\/strong> tambahan, selain standard excess yang sedia ada.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"Voluntary_Excess\"><\/span><strong> Voluntary Excess<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Pilihan tambahan yang boleh ditetapkan sendiri oleh pemilik kenderaan semasa beli polisi.<br>Lagi tinggi voluntary excess, lagi rendah premium tahunan \u2014 tapi bila buat tuntutan, anda kena bayar lebih dulu.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Bila_Excess_Akan_Dikenakan\"><\/span><strong>3. Bila Excess Akan Dikenakan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Excess akan dikenakan bila:<\/p>\n\n\n\n<ul><li>Anda buat <strong>tuntutan Own Damage (kerosakan pada kereta sendiri)<\/strong><strong><br><\/strong><\/li><li>Pemandu semasa kejadian <strong>tidak dinamakan dalam polisi<\/strong><strong><br><\/strong><\/li><li>Kes kemalangan masih dalam siasatan dan belum ditentukan pihak bersalah<br><\/li><\/ul>\n\n\n\n<p>Namun, excess <strong>tidak dikenakan<\/strong> untuk:<\/p>\n\n\n\n<ul><li>Tuntutan pihak ketiga (Third Party Claim)<br><\/li><li>Tuntutan kebakaran atau kecurian (jika dilindungi polisi)<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Cara_Elak_atau_Kurangkan_Bayaran_Excess\"><\/span><strong>4. Cara Elak atau Kurangkan Bayaran Excess<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Nak elak terkejut dengan caj tambahan masa tuntutan, boleh amalkan beberapa langkah ni:<\/p>\n\n\n\n<ul><li><strong>Pastikan nama semua pemandu tetap disenaraikan<\/strong> dalam polisi.<br><\/li><li><strong>Semak syarat excess<\/strong> sebelum beli atau renew insurans.<br><\/li><li><strong>Bandingkan polisi di BJAK.my<\/strong> \u2014 anda boleh tengok polisi mana yang ada kadar excess rendah.<br><\/li><li>Jika mampu, pilih <strong>voluntary excess sederhana<\/strong> supaya premium tak terlalu tinggi, tapi masih mampu tanggung bila buat tuntutan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Contoh_Situasi_Sebenar\"><\/span><strong>5. Contoh Situasi Sebenar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Bayangkan anda beli insurans komprehensif dan biarkan hanya nama anda dalam polisi.<br>Suatu hari, adik anda (bukan pemandu dinamakan) pandu kereta dan terlibat kemalangan.<br>Dalam kes ini:<\/p>\n\n\n\n<ul><li>Anda tetap dilindungi oleh insurans<br><\/li><li>Tapi <strong>akan dikenakan compulsory excess RM400<\/strong><strong><br><\/strong> Kalau ada kerosakan RM5,000 \u2014 insurans hanya bayar RM4,600 dan anda tanggung RM400 sendiri.<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>\u201cExcess\u201d mungkin nampak kecil, tapi kalau tak faham, boleh ganggu bajet masa tuntutan.<br>Sebelum beli atau renew polisi, <strong>semak syarat excess anda melalui BJAK.my<\/strong>.<br>Dengan cara ni, anda tahu berapa banyak perlindungan sebenar yang anda dapat \u2014 dan tak terkejut bila kemalangan berlaku.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53651\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-itu-excess-dalam-polisi-insurans-kereta\/attachment\/3-109\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-109.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=\"3-109\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-109.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-109.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\/3-109.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik bertajuk \u201cJenis-Jenis Excess Dalam Insurans Kereta\u201d dengan tiga kotak sejajar \u2014 Standard, Compulsory, dan Voluntary. Setiap kotak disertakan ikon \ud83d\udcb5 duit, \ud83d\ude97 kereta, dan \ud83d\udc68\u200d\u2708\ufe0f pemandu muda, dengan label ringkas \u201cBila &amp; Kenapa Dikenakan\u201d. Tema warna biru dan oren lembut.\" class=\"wp-image-53651\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-109.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-109.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-109.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-109.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-109.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\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=apa-itu-excess-dalam-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\/insurans-motor-untuk-motosikal-apa-perlu-tahu\">Insurans Motor untuk Motosikal: Apa Perlu Tahu<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/tips-renew-insurans-murah-tapi-tetap-selamat\">Tips Renew Insurans Murah Tapi Tetap Selamat<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/bagaimana-sistem-ncd-no-claim-discount-berfungsi\">Bagaimana Sistem NCD (No Claim Discount) Berfungsi?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ramai pemandu keliru bila dengar istilah \u201cexcess\u201d dalam polisi insurans. Artikel ini terangkan maksud sebenar excess, bila ia dikenakan, dan cara elak bayar lebih bila buat tuntutan insurans<\/p>\n","protected":false},"author":31,"featured_media":53650,"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":[2429,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apa Itu \u201cExcess\u201d Dalam Polisi Insurans Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Apa Itu \u201cExcess\u201d Dalam Polisi Insurans Kereta Ketahui kos yang perlu ditanggung sendiri setiap tuntutan.\" \/>\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\/apa-itu-excess-dalam-polisi-insurans-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Apa Itu \u201cExcess\u201d Dalam Polisi Insurans Kereta | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Apa Itu \u201cExcess\u201d Dalam Polisi Insurans Kereta Ketahui kos yang perlu ditanggung sendiri setiap tuntutan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-itu-excess-dalam-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=\"2025-10-18T11:57:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T15:56:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-109.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=\"3 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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