{"id":53597,"date":"2025-10-18T19:59:35","date_gmt":"2025-10-18T11:59:35","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53597"},"modified":"2025-11-03T17:56:12","modified_gmt":"2025-11-03T09:56:12","slug":"bagaimana-jimat-sehingga-25-premium-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-jimat-sehingga-25-premium-insurans","title":{"rendered":"Bagaimana Jimat Sehingga 25% Premium 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-6a09a87bb0657\" 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-6a09a87bb0657\"><\/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\/bagaimana-jimat-sehingga-25-premium-insurans\/#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\/bagaimana-jimat-sehingga-25-premium-insurans\/#1_Semak_dan_Maksimumkan_Diskaun_NCD\" title=\"1. Semak dan Maksimumkan Diskaun NCD\">1. Semak dan Maksimumkan Diskaun NCD<\/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\/bagaimana-jimat-sehingga-25-premium-insurans\/#2_Bandingkan_Harga_dari_Pelbagai_Syarikat\" title=\"2. Bandingkan Harga dari Pelbagai Syarikat\">2. Bandingkan Harga dari Pelbagai Syarikat<\/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\/bagaimana-jimat-sehingga-25-premium-insurans\/#3_Pilih_Jenis_Perlindungan_yang_Sesuai\" title=\"3. Pilih Jenis Perlindungan yang Sesuai\">3. Pilih Jenis Perlindungan yang Sesuai<\/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\/bagaimana-jimat-sehingga-25-premium-insurans\/#4_Elak_Jurang_Perlindungan_Gap_in_Coverage\" title=\"4. Elak Jurang Perlindungan (Gap in Coverage)\">4. Elak Jurang Perlindungan (Gap in Coverage)<\/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\/bagaimana-jimat-sehingga-25-premium-insurans\/#5_Gunakan_Pelan_Ansuran_BNPL_Jika_Bajet_Ketat\" title=\"5. Gunakan Pelan Ansuran (BNPL) Jika Bajet Ketat\">5. Gunakan Pelan Ansuran (BNPL) Jika Bajet Ketat<\/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\/bagaimana-jimat-sehingga-25-premium-insurans\/#6_Semak_Semula_Nilai_Pasaran_Kenderaan\" title=\"6. Semak Semula Nilai Pasaran Kenderaan\">6. Semak Semula Nilai Pasaran Kenderaan<\/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\/bagaimana-jimat-sehingga-25-premium-insurans\/#7_Gunakan_Promosi_dan_Kod_Diskaun\" title=\"7. Gunakan Promosi dan Kod Diskaun\">7. Gunakan Promosi dan Kod Diskaun<\/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\/bagaimana-jimat-sehingga-25-premium-insurans\/#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 di Malaysia bayar lebih untuk insurans setiap tahun tanpa sedar ada cara mudah untuk <strong>jimat sehingga 25% daripada premium asal<\/strong>.<br>Kunci utama ialah tahu <strong>faktor yang mempengaruhi harga insurans<\/strong> dan guna strategi yang betul sebelum renew. Melalui platform seperti <strong>BJAK.my<\/strong>, anda boleh bandingkan pelan pelbagai syarikat insurans, semak diskaun NCD, dan pilih perlindungan terbaik mengikut bajet anda \u2014 semuanya dalam satu laman.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Semak_dan_Maksimumkan_Diskaun_NCD\"><\/span><strong>1. Semak dan Maksimumkan Diskaun NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD (No Claim Discount) ialah potongan diberikan kepada pemandu yang tidak membuat sebarang tuntutan dalam tempoh polisi.<br>Setiap tahun tanpa tuntutan, kadar diskaun anda meningkat \u2014 hingga maksimum <strong>55% untuk kereta persendirian<\/strong> dan <strong>25% untuk motosikal<\/strong>.<\/p>\n\n\n\n<p>Contoh:<br>Jika premium asal anda RM1,000 dan anda mempunyai 55% NCD, anda hanya perlu bayar RM450 untuk pembaharuan seterusnya.<br>Jadi, pastikan anda <strong>tidak membuat tuntutan kecil yang boleh hilangkan NCD tinggi<\/strong> anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Bandingkan_Harga_dari_Pelbagai_Syarikat\"><\/span><strong>2. Bandingkan Harga dari Pelbagai Syarikat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jangan terus beli dari satu syarikat tanpa banding harga.<br>Setiap penyedia insurans mempunyai struktur premium berbeza walaupun perlindungan serupa.<\/p>\n\n\n\n<p>Di <strong>BJAK.my<\/strong>, anda boleh:<\/p>\n\n\n\n<ul><li>Semak harga dari lebih 10 syarikat insurans secara automatik.<br><\/li><li>Tapis mengikut bajet dan jenis perlindungan (1st party, 3rd party, banjir, dsb).<br><\/li><li>Pilih tawaran paling bernilai sebelum buat bayaran.<br><\/li><\/ul>\n\n\n\n<p>Banding dulu, baru beli \u2014 sebab beza harga boleh mencecah <strong>10\u201325% antara syarikat<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Pilih_Jenis_Perlindungan_yang_Sesuai\"><\/span><strong>3. Pilih Jenis Perlindungan yang Sesuai<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ramai pemandu bayar lebih sebab ambil add-on yang tak perlu.<br>Sebelum renew, semak semula sama ada perlindungan tambahan seperti:<\/p>\n\n\n\n<ul><li>Cermin hadapan<br><\/li><li>Tunda dan bantuan jalan<br><\/li><li>Perlindungan bencana alam<br><\/li><\/ul>\n\n\n\n<p>masih relevan dengan keperluan semasa anda.<br>Kalau jarang guna kereta atau parkir di kawasan selamat, anda boleh <strong>hapuskan add-on tertentu untuk jimatkan premium<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Elak_Jurang_Perlindungan_Gap_in_Coverage\"><\/span><strong>4. Elak Jurang Perlindungan (Gap in Coverage)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kadang-kadang pemandu tunggu seminggu dua selepas polisi tamat baru renew.<br>Masalahnya, jurang masa tanpa insurans boleh menyebabkan sistem tidak mengiktiraf rekod NCD anda.<br>Ini bermakna anda mungkin <strong>hilang diskaun 25% hingga 55%<\/strong>, dan perlu bayar premium penuh semula.<\/p>\n\n\n\n<p>Untuk elak hal ini, <strong>renew lebih awal<\/strong> \u2014 BJAK membenarkan pembaharuan sehingga dua bulan sebelum tarikh luput.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Gunakan_Pelan_Ansuran_BNPL_Jika_Bajet_Ketat\"><\/span><strong>5. Gunakan Pelan Ansuran (BNPL) Jika Bajet Ketat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ramai yang tangguh pembaharuan sebab tak mampu bayar sekaligus.<br>Dengan pilihan <strong>Buy Now Pay Later (BNPL)<\/strong> di BJAK, anda boleh <strong>aktifkan insurans serta-merta dan bayar ansur tanpa caj tersembunyi<\/strong>.<br>Lebih baik bayar sedikit setiap bulan daripada ambil risiko tiada perlindungan langsung.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"6_Semak_Semula_Nilai_Pasaran_Kenderaan\"><\/span><strong>6. Semak Semula Nilai Pasaran Kenderaan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Premium insurans dikira berdasarkan <strong>nilai semasa kereta<\/strong>.<br>Kalau kereta anda sudah berusia, elak insurans lebih daripada harga pasaran kerana ia akan menaikkan premium tanpa sebab.<\/p>\n\n\n\n<p>Gunakan kalkulator nilai pasaran yang tersedia di laman insurans atau <strong>BJAK.my<\/strong> untuk semak nilai semasa sebelum sahkan polisi.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"7_Gunakan_Promosi_dan_Kod_Diskaun\"><\/span><strong>7. Gunakan Promosi dan Kod Diskaun<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sesetengah platform atau syarikat insurans menawarkan <strong>kod promo bermusim atau potongan khas<\/strong> untuk pembaharuan dalam talian.<br>Contohnya, BJAK kerap mengadakan promosi tertentu yang boleh menjimatkan caj tambahan atau penghantaran roadtax fizikal.<\/p>\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>Untuk jimat premium insurans bukan bermaksud kurangkan perlindungan \u2014 tapi <strong>pilih dengan lebih bijak<\/strong>. Dengan langkah seperti <strong>maksimumkan NCD, banding harga, semak nilai pasaran, dan guna BNPL<\/strong>, anda boleh jimat hingga 25% atau lebih setiap tahun. Layari <strong>BJAK.my<\/strong> untuk semak kadar sebenar dan pilih polisi paling berbaloi sebelum tarikh luput insurans anda tiba.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53660\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-jimat-sehingga-25-premium-insurans\/attachment\/3-112\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-112.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=\"3-112\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-112.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-112.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\/3-112.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik bertajuk \u201c7 Cara Jimat Premium Insurans Hingga 25%\u201d dengan tujuh ikon seperti \ud83d\udcc9 NCD, \ud83d\ude97 banding harga, \ud83d\udcb8 add-on, \ud83e\uddfe nilai kereta, \ud83d\udee1\ufe0f BNPL, \ud83d\udca1 tip bijak, dan \ud83d\udcb0 penjimatan. Tema warna biru dan hijau cerah untuk suasana kewangan positif.\" class=\"wp-image-53660\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-112.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-112.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-112.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-112.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-112.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=bagaimana-jimat-sehingga-25-premium-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\/apa-itu-ecovernote-kenapa-diperlukan\">Apa Itu eCovernote &amp; Kenapa Diperlukan?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-tuntut-insurans-bila-kereta-dilanggar-pihak-ketiga\">Cara Tuntut Insurans Bila Kereta Dilanggar Pihak Ketiga<\/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> Nak tahu cara jimat premium insurans tanpa kurangkan perlindungan? Artikel ini kongsikan langkah mudah untuk kurangkan kos sehingga 25% \u2014 termasuk semakan kadar NCD, banding harga, dan pilihan pelan fleksibel di BJAK.<\/p>\n","protected":false},"author":31,"featured_media":53659,"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":[93,424,172],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bagaimana Jimat Sehingga 25% Premium Insurans | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Bagaimana Jimat Sehingga 25% Premium Insurans. 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