{"id":53701,"date":"2025-10-21T23:17:56","date_gmt":"2025-10-21T15:17:56","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53701"},"modified":"2025-11-03T17:55:55","modified_gmt":"2025-11-03T09:55:55","slug":"kesan-overinsured-dan-underinsured-pada-tuntutan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kesan-overinsured-dan-underinsured-pada-tuntutan","title":{"rendered":"Kesan Overinsured dan Underinsured pada Tuntutan"},"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-69d4729877485\" 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-69d4729877485\"><\/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-overinsured-dan-underinsured-pada-tuntutan\/#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-overinsured-dan-underinsured-pada-tuntutan\/#1_Apa_Maksud_Overinsured_dan_Underinsured\" title=\"1. Apa Maksud Overinsured dan Underinsured?\">1. Apa Maksud Overinsured dan Underinsured?<\/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\/kesan-overinsured-dan-underinsured-pada-tuntutan\/#Overinsured_Terlebih_Insurans\" title=\"Overinsured (Terlebih Insurans)\">Overinsured (Terlebih Insurans)<\/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\/kesan-overinsured-dan-underinsured-pada-tuntutan\/#Underinsured_Terkurang_Insurans\" title=\"Underinsured (Terkurang Insurans)\">Underinsured (Terkurang Insurans)<\/a><\/li><\/ul><\/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-overinsured-dan-underinsured-pada-tuntutan\/#2_Kesan_Terhadap_Tuntutan_Insurans\" title=\"2. Kesan Terhadap Tuntutan Insurans\">2. Kesan Terhadap Tuntutan Insurans<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kesan-overinsured-dan-underinsured-pada-tuntutan\/#Jika_Overinsured\" title=\"Jika Overinsured\">Jika Overinsured<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kesan-overinsured-dan-underinsured-pada-tuntutan\/#Jika_Underinsured\" title=\"Jika Underinsured\">Jika Underinsured<\/a><\/li><\/ul><\/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\/kesan-overinsured-dan-underinsured-pada-tuntutan\/#3_Cara_Elak_Jadi_Overinsured_atau_Underinsured\" title=\"3. Cara Elak Jadi Overinsured atau Underinsured\">3. Cara Elak Jadi Overinsured atau Underinsured<\/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\/kesan-overinsured-dan-underinsured-pada-tuntutan\/#4_Peranan_Bjak_Dalam_Penilaian_Nilai_Tepat\" title=\"4. Peranan Bjak Dalam Penilaian Nilai Tepat\">4. Peranan Bjak Dalam Penilaian Nilai Tepat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kesan-overinsured-dan-underinsured-pada-tuntutan\/#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 fikir, \u201ckalau ambil nilai perlindungan tinggi, mesti lebih bagus.\u201d Tapi sebenarnya, <strong>nilai insurans yang tak sepadan dengan harga sebenar kereta<\/strong> boleh bawa masalah masa tuntutan nanti. Ada dua situasi biasa \u2014 <strong>overinsured<\/strong> (terlebih insurans) dan <strong>underinsured<\/strong> (terkurang insurans). Dua-dua boleh sebabkan anda rugi, cuma cara rugi tu berbeza.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Apa_Maksud_Overinsured_dan_Underinsured\"><\/span><strong>1. Apa Maksud Overinsured dan Underinsured?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"Overinsured_Terlebih_Insurans\"><\/span><strong>Overinsured (Terlebih Insurans)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Bila anda beli perlindungan dengan <strong>nilai lebih tinggi daripada harga pasaran sebenar<\/strong> kereta.<br>Contoh: kereta anda bernilai RM40,000 tapi dilindungi RM60,000.<\/p>\n\n\n\n<p>Walaupun anda bayar premium lebih tinggi, <strong>pampasan tetap ikut nilai pasaran<\/strong>, bukan nilai di polisi. Jadi lebihan bayaran tu sebenarnya membazir.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"Underinsured_Terkurang_Insurans\"><\/span><strong>Underinsured (Terkurang Insurans)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Ini berlaku bila <strong>nilai perlindungan lebih rendah daripada nilai sebenar kereta<\/strong>.<br>Contoh: kereta bernilai RM50,000 tapi hanya diinsuranskan RM35,000.<\/p>\n\n\n\n<p>Kalau kemalangan besar berlaku, anda mungkin tak dapat pampasan penuh \u2014 sebab insurans akan bayar mengikut kadar perlindungan yang diambil, bukan keseluruhan nilai kereta.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Kesan_Terhadap_Tuntutan_Insurans\"><\/span><strong>2. Kesan Terhadap Tuntutan Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kedua-dua situasi ni akan beri kesan besar bila anda buat tuntutan, sama ada kemalangan, kecurian, atau total loss.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"Jika_Overinsured\"><\/span><strong>Jika Overinsured<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul><li>Anda bayar premium lebih tinggi tanpa sebab.<br><\/li><li>Bila tuntutan dibuat, pampasan hanya ikut <strong>nilai pasaran semasa<\/strong>.<br><\/li><li>Tiada kelebihan tambahan walaupun anda bayar lebih.<br><\/li><\/ul>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"Jika_Underinsured\"><\/span><strong>Jika Underinsured<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul><li>Pampasan akan <strong>dikurangkan secara prorata<\/strong> (mengikut kadar insurans).<br><\/li><li>Contohnya, kalau nilai sebenar RM50,000 tapi anda lindung RM25,000 \u2014 anda cuma dilindungi <strong>50% daripada kerosakan<\/strong>.<br><\/li><li>Maksudnya, kalau kerugian RM10,000, anda hanya dibayar RM5,000 sahaja.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53763\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kesan-overinsured-dan-underinsured-pada-tuntutan\/attachment\/3-116\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-116.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=\"3-116\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-116.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-116.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\/3-116.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik dua kotak yang membandingkan kesan overinsured dan underinsured terhadap tuntutan insurans.\" class=\"wp-image-53763\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-116.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-116.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-116.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-116.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-116.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=\"3_Cara_Elak_Jadi_Overinsured_atau_Underinsured\"><\/span><strong>3. Cara Elak Jadi Overinsured atau Underinsured<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Supaya anda tak terjebak dengan dua situasi ni, pastikan langkah berikut diambil masa renew insurans:<\/p>\n\n\n\n<ol><li><strong>Semak nilai pasaran semasa kereta<\/strong> melalui platform seperti <strong>Bjak<\/strong> sebelum pilih nilai perlindungan.<br><\/li><li><strong>Gunakan \u201cAgreed Value\u201d<\/strong> kalau nak nilai pampasan tetap dan tak berubah ikut pasaran.<br><\/li><li><strong>Elak pilih nilai ikut suka hati<\/strong> \u2014 semak data dari sumber sah seperti JPJ atau penilai insurans.<br><\/li><li><strong>Renew setiap tahun<\/strong> sebab nilai kereta susut (depreciate) setiap kali ulang tahun polisi.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Peranan_Bjak_Dalam_Penilaian_Nilai_Tepat\"><\/span><strong>4. Peranan Bjak Dalam Penilaian Nilai Tepat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Di platform <strong>Bjak<\/strong>, bila anda isi maklumat kenderaan, sistem akan cadangkan <strong>nilai pasaran semasa<\/strong> berdasarkan model dan tahun.<br>Ini bantu pengguna:<\/p>\n\n\n\n<ul><li>Elak overinsured atau underinsured,<br><\/li><li>Bayar premium lebih tepat,<br><\/li><li>Dan dapat pampasan penuh bila buat tuntutan nanti.<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>Menentukan nilai perlindungan yang betul bukan sekadar soal bajet \u2014 ia terus mempengaruhi berapa banyak anda dapat bila musibah berlaku. Jangan kerana nak \u201cjimat premium\u201d sekarang, akhirnya rugi besar bila buat tuntutan nanti.Gunakan platform seperti <strong>Bjak<\/strong> untuk semak nilai semasa dan pastikan polisi anda seimbang \u2014 <strong>tak terlalu tinggi, tak terlalu rendah \u2014 just nice untuk lindungi kereta dan poket anda.<\/strong><\/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-overinsured-dan-underinsured-pada-tuntutan\" 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\/kelebihan-guna-buy-now-pay-later-untuk-insurans\">Kelebihan Guna \u201cBuy Now Pay Later\u201d untuk Insurans<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/kenapa-ramai-pemandu-masih-tiada-insurans-sah-di-malaysia\">Kenapa Ramai Pemandu Masih Tiada Insurans Sah di Malaysia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/apa-itu-excess-dalam-polisi-insurans-kereta\">Apa Itu \u201cExcess\u201d Dalam Polisi Insurans Kereta<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Nilai perlindungan insurans terlalu tinggi atau terlalu rendah boleh bawa masalah besar semasa tuntutan. Artikel ini terangkan beza antara overinsured dan underinsured, serta cara pastikan nilai kereta anda tepat supaya tak rugi bila buat tuntutan.<\/p>\n","protected":false},"author":31,"featured_media":53762,"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":[2993,216,2994],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kesan Overinsured dan Underinsured pada Tuntutan | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Kesan Overinsured dan Underinsured pada Tuntutan . 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