{"id":5394,"date":"2021-10-18T17:24:05","date_gmt":"2021-10-18T09:24:05","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=5394"},"modified":"2023-06-23T10:40:05","modified_gmt":"2023-06-23T02:40:05","slug":"bagaimana-harga-insurans-kereta-dikira","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-harga-insurans-kereta-dikira","title":{"rendered":"Harga Insurans Kereta: Ini Cara Premium Insurans Anda Ditentukan"},"content":{"rendered":"\n<p>Mulai 1 Julai 2017, kadar <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium insurans kereta<\/a> bagi perlindungan jenis Komprehensif dan Pihak Ketiga, Kebakaran dan Kecurian Motor telah diliberalisasikan di mana premium atau harganya ditentukan oleh penanggung insurans dan pengendali takaful masing-masing. Langkah ini dilakukan seiring dengan pelaksanaan langkah Liberalisasi Tarif Insurans Motor oleh Bank Negara Malaysia (BNM). Susulan daripada langkah liberalisasi ini, lebih banyak faktor yang akan diambil kira bagi menentukan premium atau <a href=\"https:\/\/bjak.my\/blog\/senarai-harga-insuran-kereta-ikut-cc\/\">harga insurans kereta<\/a> oleh syarikat insurans serta pengendali Takaful. <\/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=bagaimana-harga-insurans-kereta-dikira\">Dapatkan Sebut Harga<\/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-69d78a1484969\" 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-69d78a1484969\"><\/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-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-harga-insurans-kereta-dikira\/#Faktor-faktor_yang_menentukan_harga_insurans_kereta\" title=\"Faktor-faktor yang menentukan harga insurans kereta\">Faktor-faktor yang menentukan harga insurans kereta<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-harga-insurans-kereta-dikira\/#Nilai_harga_pasaran_kereta\" title=\"Nilai harga pasaran kereta\">Nilai harga pasaran kereta<\/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-harga-insurans-kereta-dikira\/#Tahun_pembuatan_kereta\" title=\"Tahun pembuatan kereta\">Tahun pembuatan kereta<\/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-harga-insurans-kereta-dikira\/#No-claim_discount_NCD\" title=\"No-claim discount (NCD)&nbsp;\">No-claim discount (NCD)&nbsp;<\/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-harga-insurans-kereta-dikira\/#Jenis_insurans_kereta\" title=\"Jenis insurans kereta\">Jenis insurans kereta<\/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-harga-insurans-kereta-dikira\/#Lokasi\" title=\"Lokasi\">Lokasi<\/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-harga-insurans-kereta-dikira\/#Rekod_pemanduan\" title=\"Rekod pemanduan\">Rekod pemanduan<\/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-harga-insurans-kereta-dikira\/#Pekerjaan\" title=\"Pekerjaan&nbsp;\">Pekerjaan&nbsp;<\/a><\/li><\/ul><\/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\/bagaimana-harga-insurans-kereta-dikira\/#Cara_Mengira_Harga_Insurans_Kereta\" title=\"Cara Mengira Harga Insurans Kereta\">Cara Mengira Harga Insurans Kereta<\/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\/bagaimana-harga-insurans-kereta-dikira\/#Buat_perbandingan_sebelum_membeli_insurans_kereta\" title=\"Buat perbandingan sebelum membeli insurans kereta\">Buat perbandingan sebelum membeli insurans kereta<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Faktor-faktor_yang_menentukan_harga_insurans_kereta\"><\/span>Faktor-faktor yang menentukan harga insurans kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Berikut merupakan beberapa faktor yang diambil kira dalam menentukan harga insurans kenderaan yang mungkin anda perlu tahu dan fahami:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Nilai_harga_pasaran_kereta\"><\/span><strong>Nilai harga pasaran kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Harga insurans atau premium kereta anda biasanya akan ditentukan mengikut harga pasaran semasa kereta anda. Pada kebiasaannya, kenderaan dengan nilai pasaran yang lebih tinggi mempunyai nilai insurans (jumlah perlindungan) yang lebih tinggi. Contoh,&nbsp; kereta baru bagi jenama BMW 2 Series Gran Coupe bernilai RM199,177 pasti dikenakan dengan nilai insurans yang lebih tinggi berbanding kereta baru jenama Honda Jazz yang bernilai RM75,300.&nbsp;<\/p>\n\n\n\n<p>Bagaimanapun, harga nilai pasaran semasa kereta anda akan mengalami penurunan dari tahun ke tahun, justeru ia secara tidak langsung akan menyebabkan nilai insurans kereta anda juga semakin rendah.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Tahun_pembuatan_kereta\"><\/span><strong>Tahun pembuatan kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Harga insurans anda juga turut mengambil kira tahun pembuatan kenderaan anda itu. Contohnya, kereta yang dikeluarkan pada tahun 2016 pastinya akan mempunyai nilai insurans yang lebih murah berbanding kereta yang dikeluarkan pada tahun 2021. Mudah kata, insurans kereta akan lebih murah untuk kereta lama berbanding kereta baru.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"No-claim_discount_NCD\"><\/span><strong>No-claim discount (NCD)&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kadar<a href=\"https:\/\/bjak.my\/blog\/tukar-ncd-kepada-kereta-lain\/\"> NCD insuran kereta<\/a> turut memainkan peranan penting dalam menentukan premium insurans anda. NCD merupakan diskaun insurans kereta yang ditawarkan oleh pihak insurans kepada anda jika anda tidak pernah membuat sebarang tuntutan pada tahun tersebut.<\/p>\n\n\n\n<p>Kadar peratusan NCD adalah berbeza di antara 0 peratus sehingga 55 peratus (maksima). Semakin tinggi nilai NCD anda, semakin rendah harga insurans yang anda boleh peroleh.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Jenis_insurans_kereta\"><\/span><strong>Jenis insurans kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-attachment-id=\"5866\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-harga-insurans-kereta-dikira\/attachment\/image-2-jenis-jenis-polisi-insurans\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-polisi-insurans-.jpg?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=\"Jenis-jenis polisi insurans kereta test\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-polisi-insurans-.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-polisi-insurans-.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-polisi-insurans--1024x1024.jpg?resize=768%2C768&#038;ssl=1\" alt=\"Jenis-jenis polisi insurans kereta\" class=\"wp-image-5866\" width=\"768\" height=\"768\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-polisi-insurans-.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-polisi-insurans-.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-polisi-insurans-.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-polisi-insurans-.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2-Jenis-jenis-polisi-insurans-.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 768px) 100vw, 768px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Harga insurans kereta anda akan turut dipengaruhi berdasarkan jenis polisi insurans yang anda pilih. Polisi untuk insurans jenis komprehensif adalah lebih mahal berbanding insurans paling asas, iaitu insurans pihak ketiga.<\/p>\n\n\n\n<p>Kereta baru dan kereta yang di bawah usia 10 tahun (jika kereta dibeli dengan pinjaman bank) diwajibkan untuk memiliki insurans komprehensif. Manakala bagi kereta lama yang sudah berusia lebih 15 tahun pula, polisi insurans pihak ketiga, kebakaran dan kecurian bagi adalah digalakkan untuk diambil bagi memberi lebih perlindungan buat kenderaan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Lokasi\"><\/span><strong>Lokasi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pada kebiasaannya, harga insurans kereta di kawasan bandar adalah lebih mahal berbanding harga insurans untuk mereka yang tinggal di kawasan luar bandar.<\/p>\n\n\n\n<p>Selain itu, harga insurans kereta di Semenanjung adalah lebih tinggi berbanding harga insurans kereta di Sabah dan Sarawak. Faktor ini disebabkan oleh nilai pasaran kereta dan penilaian risiko yang lebih tinggi di Semenanjung Malaysia berbanding di Sabah dan Sarawak.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Rekod_pemanduan\"><\/span><strong>Rekod pemanduan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-attachment-id=\"5870\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-harga-insurans-kereta-dikira\/attachment\/driving\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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=\"driving\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/driving-1024x576.jpg?resize=768%2C432&#038;ssl=1\" alt=\"Pemandu berbahaya dianggap berisiko tinggi untuk terlibat dalam kemalangan, justeru premium yang dikenakan adalah lebih mahal\" class=\"wp-image-5870\" width=\"768\" height=\"432\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 768px) 100vw, 768px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Sekiranya anda seorang pemandu yang selamat (mempunyai rekod yang baik), maka harga insurans anda akan lebih rendah berbanding pemandu yang gopoh\/ berbahaya (mempunyai rekod tidak baik, seperti sering terlibat dalam kesalahan lalu lintas dan kemalangan jalan raya).<\/p>\n\n\n\n<p>Pemandu berbahaya dianggap berisiko tinggi oleh syarikat insurans dan pengendali Takaful kerana mereka menganggap perlu menanggung risiko yang lebih besar jika mereka setuju untuk memberi perlindungan insurans terhadap kenderaan yang dimiliki atau dipandu oleh pemandu bahaya. Oleh itu, harga yang dikenakan adalah lebih tinggi, di mana ianya setimpal dengan risiko yang ditanggung oleh syarikat insurans.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Pekerjaan\"><\/span><strong>Pekerjaan&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sekiranya pekerjaan anda memerlukan kenderaan anda untuk kerap digunakan ke tapak projek (kerja), maka kenderaan itu akan diberikan harga insurans yang lebih mahal. Ini kerana, risiko untuk kereta anda terdedah dengan kemalangan dan sebarang kerosakan adalah lebih tinggi berbanding mereka yang hanya menggunakan kereta untuk kegunaan persendirian.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Mengira_Harga_Insurans_Kereta\"><\/span>Cara Mengira Harga Insurans Kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Formula asas untuk mengira harga insurans kereta adalah seperti di bawah:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-attachment-id=\"5868\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-harga-insurans-kereta-dikira\/attachment\/image-4_-formula-kira-insurans-kereta\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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=\"Image-4_-Formula-kira-insurans-kereta\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta-1024x576.jpg?resize=768%2C432&#038;ssl=1\" alt=\"Formula asas untuk mengira harga insurans kereta di Malaysia\" class=\"wp-image-5868\" width=\"768\" height=\"432\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Formula-kira-insurans-kereta.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 768px) 100vw, 768px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"10404\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-harga-insurans-kereta-dikira\/attachment\/211110_bjakblog_nurul_premiumforcomprehensivecoverage_bm_02_01\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110_BjakBlog_Nurul_PremiumForComprehensiveCoverage_BM_02_01.jpg?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=\"211110_BjakBlog_Nurul_PremiumForComprehensiveCoverage_BM_02_01\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110_BjakBlog_Nurul_PremiumForComprehensiveCoverage_BM_02_01.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110_BjakBlog_Nurul_PremiumForComprehensiveCoverage_BM_02_01.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110_BjakBlog_Nurul_PremiumForComprehensiveCoverage_BM_02_01.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Contoh pengiraan harga insurans kereta\" class=\"wp-image-10404\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110_BjakBlog_Nurul_PremiumForComprehensiveCoverage_BM_02_01.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110_BjakBlog_Nurul_PremiumForComprehensiveCoverage_BM_02_01.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110_BjakBlog_Nurul_PremiumForComprehensiveCoverage_BM_02_01.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110_BjakBlog_Nurul_PremiumForComprehensiveCoverage_BM_02_01.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110_BjakBlog_Nurul_PremiumForComprehensiveCoverage_BM_02_01.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption><em>Contoh pengiraan harga insurans untuk Perodua Myvi dengan jumlah perlindungan sebanyak RM31,000<\/em><\/figcaption><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Buat_perbandingan_sebelum_membeli_insurans_kereta\"><\/span>Buat perbandingan sebelum membeli insurans kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebagai pengguna, anda semestinya mahu mendapatkan insurans kereta pada harga yang menguntungkan. Setiap syarikat insurans mahupun takaful pastinya ada menawarkan harga serta manfaat yang berbeza. Pastikan anda lakukan dahulu perbandingan sebelum memutuskan untuk mengambil sebarang perlindungan insurans kereta.  <\/p>\n\n\n\n<p>Anda juga boleh lakukan perbandingan insurans dengan lebih mudah melalui platform Bjak. 15 syarikat insurans yang diiktiraf telah disediakan untuk anda pilih. Proses pembaharuan insurans anda pastinya lebih senang, pantas dan selamat.<\/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&nbsp;<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=bagaimana-harga-insurans-kereta-dikira\">sebut&nbsp;harga percuma<\/a>&nbsp;di 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=bagaimana-harga-insurans-kereta-dikira\">Dapatkan Sebut Harga<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Baca juga:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/cara-dapat-insurans-harga-rendah\/\">Cara Dapat Insurans Harga Rendah<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-renew-insurans-kereta\/\">Cara Renew Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/nak-beli-insurans-kereta-ini-perkara-yang-anda-wajib-tahu\/\">Nak Beli Insurans Kereta? Ini Perkara Yang Anda Wajib Tahu!<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Selepas pelaksanaan langkah liberalisasi tarif insurans motor, lebih banyak faktor yang akan diambil kira bagi menentukan harga premium kenderaan.<\/p>\n","protected":false},"author":4,"featured_media":35978,"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":[26,243,248],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Harga Insurans Kereta: Ini Cara Premium Insurans Anda Ditentukan<\/title>\n<meta name=\"description\" content=\"Ada beberapa faktor yang menyumbang kepada penetapan harga insurans. 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