{"id":53835,"date":"2025-10-22T23:45:25","date_gmt":"2025-10-22T15:45:25","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53835"},"modified":"2025-11-03T17:39:26","modified_gmt":"2025-11-03T09:39:26","slug":"apa-yang-insuran-komprehensif-tidak-lindungi","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-yang-insuran-komprehensif-tidak-lindungi","title":{"rendered":"Apa Yang Insuran Komprehensif Tidak Lindungi"},"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-69cffba27aeb1\" 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-69cffba27aeb1\"><\/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-yang-insuran-komprehensif-tidak-lindungi\/#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\/apa-yang-insuran-komprehensif-tidak-lindungi\/#1_Kerosakan_Akibat_Banjir_Tanah_Runtuh_atau_Ribut\" title=\"1. Kerosakan Akibat Banjir, Tanah Runtuh atau Ribut\">1. Kerosakan Akibat Banjir, Tanah Runtuh atau Ribut<\/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\/apa-yang-insuran-komprehensif-tidak-lindungi\/#2_Cermin_Pecah\" title=\"2. Cermin Pecah\">2. Cermin Pecah<\/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\/apa-yang-insuran-komprehensif-tidak-lindungi\/#3_Barang_Peribadi_Dalam_Kereta\" title=\"3. Barang Peribadi Dalam Kereta\">3. Barang Peribadi Dalam Kereta<\/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\/apa-yang-insuran-komprehensif-tidak-lindungi\/#4_Kerosakan_Akibat_Penggunaan_Salah_atau_Perlumbaan\" title=\"4. Kerosakan Akibat Penggunaan Salah atau Perlumbaan\">4. Kerosakan Akibat Penggunaan Salah atau Perlumbaan<\/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\/apa-yang-insuran-komprehensif-tidak-lindungi\/#5_Kehausan_atau_Kerosakan_Semula_Jadi\" title=\"5. Kehausan atau Kerosakan Semula Jadi\">5. Kehausan atau Kerosakan Semula Jadi<\/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-yang-insuran-komprehensif-tidak-lindungi\/#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 orang sangka bila ambil insurans komprehensif, semua kerosakan ditanggung \u2014 hakikatnya tidak begitu.<br>Walaupun pelan ini memang luas liputannya, masih ada beberapa pengecualian yang ramai tak sedar sehingga tiba masa tuntutan. Fahami <strong>insuran komprehensif tidak lindungi<\/strong> apa supaya anda boleh buat persediaan awal dan elak kos tidak dijangka.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Kerosakan_Akibat_Banjir_Tanah_Runtuh_atau_Ribut\"><\/span><strong>1. Kerosakan Akibat Banjir, Tanah Runtuh atau Ribut<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kereta rosak akibat banjir kilat, tanah runtuh, pokok tumbang, atau ribut kuat biasanya tidak dilindungi secara automatik.<br>Untuk perlindungan ini, anda perlu tambah add-on khas seperti <em>Special Perils Cover<\/em> (Banjir &amp; Bencana Alam). Ramai ambil ringan sebab anggap Malaysia jarang banjir\u2026 tetapi bila berlaku, kos kerosakan boleh tinggi.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Cermin_Pecah\"><\/span><strong>2. Cermin Pecah<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Keretakan atau pecah pada cermin depan, belakang, atau tingkap tidak termasuk dalam polisi standard.<br>Untuk lindungi bahagian ini, anda perlu beli add-on <em>Windscreen Cover<\/em>. Ia kosnya rendah tetapi sangat berguna kerana tukar cermin boleh mencecah ratusan ringgit.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Barang_Peribadi_Dalam_Kereta\"><\/span><strong>3. Barang Peribadi Dalam Kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Barang peribadi yang hilang dalam kereta, contohnya laptop, beg tangan, atau telefon, tidak dilindungi oleh insurans.<br>Insurans komprehensif hanya meliputi kenderaan itu sendiri, bukan isi dalamnya. Tanggungjawab keselamatan barang terletak pada pemilik.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Kerosakan_Akibat_Penggunaan_Salah_atau_Perlumbaan\"><\/span><strong>4. Kerosakan Akibat Penggunaan Salah atau Perlumbaan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika kereta digunakan untuk perlumbaan, ujian kelajuan, atau disalah guna, tuntutan boleh ditolak.<br>Begitu juga jika pemandu tidak memiliki lesen sah, mabuk, atau berada di bawah pengaruh dadah semasa kemalangan \u2014 insurans tetap tidak akan menanggung kerosakan walaupun pelan komprehensif.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Kehausan_atau_Kerosakan_Semula_Jadi\"><\/span><strong>5. Kehausan atau Kerosakan Semula Jadi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insuran komprehensif tidak lindungi <em>wear and tear<\/em>, contohnya brek haus, tayar botak, atau bateri kong.<br>Bahagian ini dikira sebagai penyelenggaraan biasa dan tanggungjawab pemilik, bukan kerosakan akibat kemalangan.<\/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=\"53900\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-yang-insuran-komprehensif-tidak-lindungi\/attachment\/3-131\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-131.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=\"3-131\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-131.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-131.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\/3-131.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan lima jenis kerosakan atau situasi yang tidak dilindungi oleh polisi insurans komprehensif standard di Malaysia.\" class=\"wp-image-53900\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-131.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-131.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-131.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-131.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-131.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=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insuran komprehensif memang pelan paling lengkap kerana anda boleh tambah pelbagai add-on. Namun, jangan anggap ia automatik lindungi semua jenis kerosakan.<br>Sebelum renew, semak polisi dengan teliti \u2014 dan jika perlu, tambah perlindungan tambahan terus semasa buat sebut harga di BJAK. Dengan cara ini, anda tahu apa yang sudah dilindungi dan apa yang tidak, serta boleh merancang kewangan dengan lebih bijak.<\/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=apa-yang-insuran-komprehensif-tidak-lindungi\" 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\/bagaimana-umur-kereta-mempengaruhi-harga-insurans\">Bagaimana Umur Kereta Mempengaruhi Harga Insurans<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/kesan-overinsured-dan-underinsured-pada-tuntutan\">Kesan Overinsured dan Underinsured pada Tuntutan<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-tuntut-bila-kereta-hilang-atau-dicuri\">Cara Tuntut Bila Kereta Hilang atau Dicuri<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Insurans komprehensif memang pelan paling lengkap, tapi bukan bermaksud semua benda dilindungi. Artikel ini terangkan senarai perkara yang biasanya tidak termasuk dalam polisi standard.<\/p>\n","protected":false},"author":31,"featured_media":53899,"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":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apa Yang Insuran Komprehensif Tidak Lindungi | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Apa Yang Insuran Komprehensif Tidak Lindungi . 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