{"id":5382,"date":"2021-10-15T04:21:10","date_gmt":"2021-10-14T20:21:10","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=5382"},"modified":"2023-07-03T12:19:51","modified_gmt":"2023-07-03T04:19:51","slug":"sebab-tuntutan-insurans-anda-ditolak","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/sebab-tuntutan-insurans-anda-ditolak","title":{"rendered":"Sebab Tuntutan Insurans Kereta Anda Ditolak"},"content":{"rendered":"\n<p>Tidak ramai yang tahu dan mengambil inisiatif untuk membaca dengan teliti terma dan syarat\u00a0yang terdapat dalam <a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">polisi insurans kereta<\/a> kita. Sehinggakan terjadi sesuatu seperti kemalangan pun, masih ada yang tidak tahu apa yang harus dilakukan untuk membuat proses tuntutan atau apakah sebab tuntutan insurans kereta ditolak.<\/p>\n\n\n\n<p>Proses tuntutan insurans mempunyai syarat dan kelayakan yang harus anda penuhi berdasarkan polisi insurans yang ditawarkan. Jika ada yang tidak lengkap, jangan terkejut jika permohonan tuntutan anda ditolak. Jika ada yang sudah membeli <a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">insurans kereta<\/a> tapi masih tiada pengetahuan tentang apa syarat keperluan tuntutan insurans, jangan risau.<\/p>\n\n\n\n<p>Artikel ini akan menjelaskan kepada anda apakah antara sebab-sebab yang menyebabkan tuntutan insurans kenderaan anda ditolak dan juga apakah jenis-jenis situasi yang tidak dilindungi insurans kereta anda.<\/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-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=sebab-tuntutan-insurans-anda-ditolak\">Renew Online<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\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-69d791e1b7d05\" 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-69d791e1b7d05\"><\/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-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/sebab-tuntutan-insurans-anda-ditolak\/#Sebab_tuntutan_insurans_kereta_ditolak\" title=\"Sebab tuntutan insurans kereta ditolak\">Sebab tuntutan insurans kereta ditolak<\/a><ul class='ez-toc-list-level-2'><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/sebab-tuntutan-insurans-anda-ditolak\/#Tiada_laporan_polis\" title=\"Tiada laporan polis\">Tiada laporan polis<\/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\/sebab-tuntutan-insurans-anda-ditolak\/#Pemandu_tidak_dinamakan\" title=\"Pemandu tidak dinamakan\">Pemandu tidak dinamakan<\/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\/sebab-tuntutan-insurans-anda-ditolak\/#Tidak_termasuk_dalam_polisi_insurans\" title=\"Tidak termasuk dalam polisi insurans\">Tidak termasuk dalam polisi insurans<\/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\/sebab-tuntutan-insurans-anda-ditolak\/#Maklumat_yang_diberi_tidak_tepat\" title=\"Maklumat yang diberi tidak tepat\">Maklumat yang diberi tidak tepat<\/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\/sebab-tuntutan-insurans-anda-ditolak\/#Pemandu_mabuk\" title=\"Pemandu mabuk\">Pemandu mabuk<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/sebab-tuntutan-insurans-anda-ditolak\/#Situasi-situasi_Yang_Tidak_Dilindungi_Insurans_Kereta\" title=\"Situasi-situasi Yang Tidak Dilindungi Insurans Kereta\">Situasi-situasi Yang Tidak Dilindungi Insurans Kereta<\/a><ul class='ez-toc-list-level-2'><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/sebab-tuntutan-insurans-anda-ditolak\/#Kecederaan_atau_kematian_diri\" title=\"Kecederaan atau kematian diri\">Kecederaan atau kematian diri<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/sebab-tuntutan-insurans-anda-ditolak\/#Kerosakan_total\" title=\"Kerosakan total\">Kerosakan total<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/sebab-tuntutan-insurans-anda-ditolak\/#Bencana_alam_banjir_dan_sebagainya\" title=\"Bencana alam (banjir dan sebagainya)\">Bencana alam (banjir dan sebagainya)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/sebab-tuntutan-insurans-anda-ditolak\/#Penambahan_aksesori_selepas_membeli_kereta\" title=\"Penambahan aksesori selepas membeli kereta\">Penambahan aksesori selepas membeli kereta<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/sebab-tuntutan-insurans-anda-ditolak\/#Kerosakan_akibat_rusuhan\" title=\"Kerosakan akibat rusuhan\">Kerosakan akibat rusuhan<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1><span class=\"ez-toc-section\" id=\"Sebab_tuntutan_insurans_kereta_ditolak\"><\/span>Sebab tuntutan insurans kereta ditolak<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tiada_laporan_polis\"><\/span>Tiada laporan polis<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sekiranya anda terlibat dalam kemalangan, pastikan anda terus pergi ke balai polis yang berdekatan untuk membuat laporan polis. Jangan ambil mudah perkara ini kerana tuntutan insurans kereta anda mungkin akan ditolak terus dan dianggap tidak sah oleh pihak insurans sekiranya tiada laporan polis dibuat ataupun laporan telah melewati tempoh 24 jam.<\/p>\n\n\n\n<p>Oleh itu, jangah ambil remeh dan berlengah untuk membuat laporan polis. Laporan polis akan memudahkan urusan proses tuntutan anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pemandu_tidak_dinamakan\"><\/span>Pemandu tidak dinamakan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tahukah anda bahawa polisi insurans anda hanya melindungi anda? Jadi sekiranya kereta anda yang dipandu oleh pasangan anda, anak anda, rakan anda atau sesiapa pun (tidak dinamakan dalam polisi insurans anda) terlibat dalam kemalangan, maka ia tidak akan melindungi individu yang disebutkan. Tuntutan insurans kereta anda ditolak.<\/p>\n\n\n\n<p>Susah? Ya agak susah kalau kereta anda sering dipinjamkan kepada pasangan anda untuk dibawa ke mana-mana. Tapi jangan risau, sekiranya anda ingin mengambil langkah berhati-hati, anda boleh sahaja mendaftarkan mereka sebagai nama pemandu dibawah polisi insurans anda. Ini membolehkan pemandu yang didaftarkan untuk turut menerima perlindungan insurans anda sekiranya berlaku kemalangan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tidak_termasuk_dalam_polisi_insurans\"><\/span>Tidak termasuk dalam polisi insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Hanya kerana anda memiliki insurans, tidak bermaksud ia akan melindungi segala apa jenis kerosakan atau kemalangan yang dialami kereta anda. Itu pentingnya untuk anda betul-betul memahami dasar polisi anda semasa membeli insurans kereta.<\/p>\n\n\n\n<p>Sebagai contoh, anda memiliki polisi pihak ketiga, anda harus ketahui bahawa polisi jenis ini tidak menyediakan perlindungan untuk kereta anda. Ia hanya berfungsi untuk menampung kos pembaikan kereta milik pihak ketiga.<\/p>\n\n\n\n<p>*Jangan risau, anda boleh menambah perlindungan yang ditawarkan mengikut keperluan anda. Sebaiknya untuk anda merujuk kepada syarikat insurans untuk beri penerangan yang lanjut.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Maklumat_yang_diberi_tidak_tepat\"><\/span>Maklumat yang diberi tidak tepat<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pastikan anda memberikan maklumat yang tepat ketika mengisi borang insurans anda. Jangan menipu.&nbsp;<\/p>\n\n\n\n<p>Selepas pelaksanaan liberalisasi tarif insurans kereta pada tahun 2017, syarikat insurans dan takaful memerlukan butiran maklumat yang pelbagai sebelum menentukan <a href=\"https:\/\/bjak.my\/blog\/bagaimana-harga-insurans-kereta-dikira\/\">harga insurans kereta<\/a>. Antara maklumat yang akan diperlukan adalah seperti taraf perkahwinan, pekerjaan, ciri-ciri keselamatan kenderaan dan juga tempat anda memakirkan kereta anda.<\/p>\n\n\n\n<p>Apakah kaitan tempat parkir kereta dengan tuntutan insurans? Begini, tempat letak kereta persendirian mempunyai kawalan rapi mempunyai risiko bahaya yang rendah berbanding tempat letak kereta awam. Sekiranya berlaku kecurian kereta dan maklumat yang diberikan oleh anda kepada syarikat insurans tidak tepat, maka syarikat insurans berhak untuk menolak tuntutan tersebut.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pemandu_mabuk\"><\/span>Pemandu mabuk<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sudah tertulis pun dalam undang-undang jalan raya di negara kita bahawa pemandu mabuk tidak dibenarkan untuk memandu dalam keadaan yang mengkhayalkan kerana mengundang bahaya kepada pemandu lain. Ini termasuklah kecuaian akibat minuman beralkohol ataupun pengambilan dadah.<\/p>\n\n\n\n<p>Jadi sekiranya anda memandu dalam keadaan mabuk, maka anda harus tahu bahawa syarikat insurans tidak akan melayan tuntutan anda sama sekali.<\/p>\n\n\n\n<h1><span class=\"ez-toc-section\" id=\"Situasi-situasi_Yang_Tidak_Dilindungi_Insurans_Kereta\"><\/span>Situasi-situasi Yang Tidak Dilindungi Insurans Kereta<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p><meta charset=\"utf-8\">Bagaimana pula dengan situasi yang tidak akan dilindungi oleh insurans kereta anda? Adakah anda tahu mengenai perkara ini? Sekiranya tidak, anda boleh baca maklumat yang disertakan di bawah dengan lebih lanjut<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kecederaan_atau_kematian_diri\"><\/span>Kecederaan atau kematian diri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6277\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/sebab-tuntutan-insurans-anda-ditolak\/attachment\/211008_bjakblog_nurul_a7-01-01\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"Kecederaan atau kematian diri antara situasi yang tidak dilindungi oleh insurans kereta\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Kecederaan atau kematian diri antara situasi yang tidak dilindungi oleh insurans kereta\" class=\"wp-image-6277\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Kecederaan diri yang berpunca daripada kemalangan kereta di jalan raya<\/figcaption><\/figure>\n\n\n\n<p>Penting untuk anda tahu yang insurans kereta anda tidak menawarkan perlindungan keatas kecederaan ataupun kematian anda. Sekiranya kemalangan disebabkan oleh pihak ketiga, polisi insurans pihak ketiga tersebut yang akan membayar pampasan kepada anda untuk kecederaan diri anda. Tapi sekiranya kemalangan adalah berpunca dari anda sendiri maka polisi insurans kenderaan anda tidak akan membayar pampasan terhadap kecederaan anda.<\/p>\n\n\n\n<p>Jika anda mencari insurans yang boleh memberi perlindungan sekiranya terjadi apa-apa terhadap diri anda, anda boleh pertimbangkan insurans perubatan untuk pembiayaan kos rawatan kecederaan. Untuk ketahui lebih lanjut mengenai insurans perubatan, anda boleh merujuk ke artikel <a href=\"https:\/\/bjak.my\/blog\/the-importance-of-having-a-medical-card\/\">ini<\/a>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kerosakan_total\"><\/span>Kerosakan <em>total<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6278\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/sebab-tuntutan-insurans-anda-ditolak\/attachment\/211008_bjakblog_nurul_a7-01-02\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"Kerosakan total kereta tidak mendapat perlindungan insurans kereta\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Kerosakan total kereta tidak mendapat perlindungan insurans kereta\" class=\"wp-image-6278\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Sebuah kereta dianggap sebagai kerugian total apabila kenderaan yang diinsuranskan rosak atau musnah sehingga tidak dapat diperbaiki atau dipulihkan<\/figcaption><\/figure>\n\n\n\n<p>Sekiranya anda mengalami kemalangan yang menyebabkan kerosakan kereta yang teruk sehingga tahap tidak dapat diperbaiki lagi, maka anda harus tahu yang syarikat insurans tidak akan menanggung baki pinjaman anda. Ini adalah kes bagi mereka yang membeli kereta melalui pinjaman bank.&nbsp;<\/p>\n\n\n\n<p>Pihak insurans hanya akan membayar pampasan sebanyak mana nilai kereta anda pada harga pasaran. Kebiasaannya, jumlah akan menjadi lebih rendah daripada baki pinjaman disebabkan beberapa faktor iaitu:<\/p>\n\n\n\n<ul><li>Kadar susut nilai kenderaan<\/li><li>Kadar bunga yang dikenakan oleh pihak bank<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bencana_alam_banjir_dan_sebagainya\"><\/span>Bencana alam (banjir dan sebagainya)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6280\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/sebab-tuntutan-insurans-anda-ditolak\/attachment\/211008_bjakblog_nurul_a7-01-03\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"Bencana alam tidak termasuk dalam Perlindungan disediakan oleh insurans kereta\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Bencana alam tidak termasuk dalam Perlindungan disediakan oleh insurans kereta\" class=\"wp-image-6280\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Kerosakan kereta disebabkan oleh bencana alam tidak mendapat perlindungan insurans kereta<\/figcaption><\/figure>\n\n\n\n<p>Di Malaysia, kita sering mengalami musim banjir setiap kali berlakunya hujan banjir kilat atau musim tengkujuh. Sekiranya kereta anda mengalami kerosakan enjin akibat kemasukan air, dihempap pokok tumbang, dll, anda perlu tahu bahawa pihak insurans tidak akan menampung kos kerugian anda.<\/p>\n\n\n\n<p>Ini adalah kerana bencana alam tidak termasuk diantara situasi yang dilindungi oleh pihak insurans. Namun anda masih boleh dapatkan perlindungan tambahan yang lain jika anda ingin dilindungi.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Penambahan_aksesori_selepas_membeli_kereta\"><\/span>Penambahan aksesori selepas membeli kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6286\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/sebab-tuntutan-insurans-anda-ditolak\/attachment\/211008_bjakblog_nurul_a7-01-04\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"Penambahan aksesori selepas membeli kereta tidak dilindungi insurans kereta\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Penambahan aksesori selepas membeli kereta tidak dilindungi insurans kereta\" class=\"wp-image-6286\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Penambahan aksesori selepas pembelian kereta<\/figcaption><\/figure>\n\n\n\n<p>Jika berlaku kecurian terhadap aksesori yang dipasang (<em>sport rims<\/em>, dll) selepas pembelian kereta, polisi insurans anda tidak akan membayar ganti rugi kepada anda.<\/p>\n\n\n\n<p>Hal ini jatuh dibawah tanggungjawab anda. Sekiranya anda sejenis yang suka terhadap penambah aksesori, anda boleh membeli polisi tambahan untuk melindungi peralatan-peralatan ini.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kerosakan_akibat_rusuhan\"><\/span>Kerosakan akibat rusuhan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6289\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/sebab-tuntutan-insurans-anda-ditolak\/attachment\/211008_bjakblog_nurul_a7-01-05\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"Kerosak kereta akibat arusuhan tidak terms dalam Perlindungan disediakan insurans kereta\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Kerosak kereta akibat arusuhan tidak terms dalam Perlindungan disediakan insurans kereta\" class=\"wp-image-6289\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Kerosakan akibat arusuhan<\/figcaption><\/figure>\n\n\n\n<p>Polisi insurans anda tidak akan melindungi kerosakan kereta yang berpunca dari perbalahan dan rusuhan. Tetapi sekiranya anda bimbang berlakunya perkara-perkara ini pada masa hadapan, terdapat polisi tambahan yang boleh dibeli untuk melindungi kenderaan anda.<\/p>\n\n\n\n<p>&#8212;<\/p>\n\n\n\n<p>Berdasarkan maklumat di atas, penting untuk anda ketahui info-info yang terperinci seperti ini dalam kandungan polisi insurans anda. Adalah lebih baik untuk anda mengambil tahu dari awal pembelian agar anda lebih bersedia sekira berlaku sebarang kejadian di kelak hari.<\/p>\n\n\n\n<p>Bagi anda yang sudah memiliki insurans kereta sendiri, adalah dinasihatkan untuk membuat semakan semula ke atas polisi yang sedia. Bagi yang masih belum perbaharui insurans, anda boleh layari Bjak untuk pembelian insurans kereta yang cepat dan mudah!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan\u00a0<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=sebab-tuntutan-insurans-anda-ditolak\">sebut\u00a0harga<\/a> <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=sebab-tuntutan-insurans-anda-ditolak\">percuma<\/a>\u00a0di Bjak dan pilih pelan terbaik hari ini!<\/p>\n\n\n\n<div class=\"wp-container-2 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=sebab-tuntutan-insurans-anda-ditolak\">Renew Online<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Baca juga:&nbsp;<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/risiko-pemandu-adakah-anda-pemandu-berisiko-tinggi-atau-rendah\/\">Risiko Pemandu: Adakah Anda Pemandu Berisiko Tinggi Atau Rendah?&nbsp;<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/5-perkara-yang-perlu-anda-tahu-sebelum-membuat-tuntutan-insurans\/\">5 Perkara Yang Perlu Anda Tahu Sebelum Membuat Tuntutan Insurans<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/kesilapan-yang-perlu-dielakkan-semasa-memfailkan-tuntutan-insurans-kemalangan-kereta\/\">Kesilapan Yang Perlu Dielakkan Semasa Memfailkan Tuntutan Insurans Kemalangan Kereta<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Proses tuntutan insurans mempunyai syarat dan kelayakan yang harus anda penuhi berdasarkan polisi insurans yang ditawarkan. <\/p>\n","protected":false},"author":7,"featured_media":5522,"comment_status":"closed","ping_status":"open","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":[26,243,977],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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