{"id":53968,"date":"2025-10-23T23:45:41","date_gmt":"2025-10-23T15:45:41","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53968"},"modified":"2025-11-03T17:38:24","modified_gmt":"2025-11-03T09:38:24","slug":"tuntutan-insurans-ditolak","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-ditolak","title":{"rendered":"Tuntutan Insurans Ditolak?"},"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-69d45d0dd9950\" 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-69d45d0dd9950\"><\/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\/tuntutan-insurans-ditolak\/#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\/tuntutan-insurans-ditolak\/#1_Maklumat_Dalam_Polisi_Tak_Tepat\" title=\"1. Maklumat Dalam Polisi Tak Tepat\">1. Maklumat Dalam Polisi Tak Tepat<\/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\/tuntutan-insurans-ditolak\/#2_Lesen_Memandu_Tamat_Tempoh_atau_Tidak_Sah\" title=\"2. Lesen Memandu Tamat Tempoh atau Tidak Sah\">2. Lesen Memandu Tamat Tempoh atau Tidak Sah<\/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\/tuntutan-insurans-ditolak\/#3_Kelewatan_Laporkan_Kemalangan\" title=\"3. Kelewatan Laporkan Kemalangan\">3. Kelewatan Laporkan Kemalangan<\/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\/tuntutan-insurans-ditolak\/#4_Tak_Ikut_Prosedur_Tuntutan_Betul\" title=\"4. Tak Ikut Prosedur Tuntutan Betul\">4. Tak Ikut Prosedur Tuntutan Betul<\/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\/tuntutan-insurans-ditolak\/#5_Polisi_Dah_Tamat_atau_Ada_%E2%80%9CGap_in_Cover%E2%80%9D\" title=\"5. Polisi Dah Tamat atau Ada \u201cGap in Cover\u201d\">5. Polisi Dah Tamat atau Ada \u201cGap in Cover\u201d<\/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\/tuntutan-insurans-ditolak\/#6_Tuntutan_Tak_Layak_Ikut_Jenis_Perlindungan\" title=\"6. Tuntutan Tak Layak Ikut Jenis Perlindungan\">6. Tuntutan Tak Layak Ikut Jenis Perlindungan<\/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\/tuntutan-insurans-ditolak\/#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 pemandu pernah dengar kes <strong>tuntutan insurans ditolak<\/strong>, tapi tak ramai yang faham sebab sebenar di sebalik keputusan tu. Kadang-kadang bukan sebab syarikat insurans nak lepas tangan \u2014 tapi kerana kesilapan kecil masa pembelian polisi atau proses tuntutan. Dalam artikel ni, kita akan tengok antara punca paling biasa dan cara elak supaya tuntutan anda berjalan lancar.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Maklumat_Dalam_Polisi_Tak_Tepat\"><\/span><strong>1. Maklumat Dalam Polisi Tak Tepat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ini antara sebab utama tuntutan gagal. Contohnya:<\/p>\n\n\n\n<ul><li>Nama atau nombor IC salah.<br><\/li><li>Nombor casis atau plat kenderaan tak sepadan dengan rekod JPJ.<br><\/li><li>Alamat pemilik tak dikemas kini.<br><\/li><\/ul>\n\n\n\n<p><em>Penyelesaian:<\/em> Semak semua maklumat dalam sijil polisi dan <strong>Vehicle Ownership Certificate (VOC)<\/strong> sebelum buat tuntutan. Kalau renew melalui <strong>BJAK<\/strong>, data biasanya diisi automatik dari JPJ untuk elak kesilapan manual.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Lesen_Memandu_Tamat_Tempoh_atau_Tidak_Sah\"><\/span><strong>2. Lesen Memandu Tamat Tempoh atau Tidak Sah<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kalau pemandu yang terlibat dalam kemalangan tak ada lesen sah (atau digantung), syarikat insurans berhak tolak tuntutan.<br>Pastikan lesen anda aktif dan bukan lesen \u201cL\u201d bila memandu kenderaan berinsurans.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Kelewatan_Laporkan_Kemalangan\"><\/span><strong>3. Kelewatan Laporkan Kemalangan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ramai fikir boleh lapor \u201cnanti-nanti\u201d, tapi sebenarnya laporan perlu dibuat <strong>dalam masa 24 jam<\/strong>. Jika gagal, syarikat boleh menolak tuntutan.<br>Laporkan segera ke balai polis dan hubungi panel bengkel atau hotline insurans untuk tindakan lanjut.<\/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=\"54033\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-ditolak\/attachment\/3-144\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-144.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=\"3-144\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-144.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-144.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-144.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan enam sebab utama tuntutan insurans kereta ditolak termasuk kesilapan maklumat, lesen tidak sah, laporan lambat, dan polisi tamat tempoh.\" class=\"wp-image-54033\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-144.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-144.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-144.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-144.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-144.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=\"4_Tak_Ikut_Prosedur_Tuntutan_Betul\"><\/span><strong>4. Tak Ikut Prosedur Tuntutan Betul<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ada pemilik terus hantar ke bengkel biasa tanpa rujuk bengkel panel, menyebabkan proses tuntutan tak diterima.<br>Gunakan <strong>bengkel panel yang diluluskan oleh syarikat insurans<\/strong> supaya proses sah dan cepat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Polisi_Dah_Tamat_atau_Ada_%E2%80%9CGap_in_Cover%E2%80%9D\"><\/span><strong>5. Polisi Dah Tamat atau Ada \u201cGap in Cover\u201d<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kalau tempoh insurans dah luput walaupun sehari, tuntutan semasa kemalangan berlaku takkan diluluskan.<br>Elak situasi ni dengan <strong>pembaharuan awal melalui BJAK<\/strong>, di mana polisi dikeluarkan serta-merta dan perlindungan aktif pada hari yang sama (selagi tiada isu pada rekod).<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"6_Tuntutan_Tak_Layak_Ikut_Jenis_Perlindungan\"><\/span><strong>6. Tuntutan Tak Layak Ikut Jenis Perlindungan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ramai pemilik salah faham tentang had perlindungan. Contohnya:<\/p>\n\n\n\n<ul><li>Tuntut kerosakan kereta sendiri padahal guna pelan Third Party.<br><\/li><li>Tuntut banjir tapi tak ada add-on <em>Special Perils.<\/em><em><br><\/em><\/li><\/ul>\n\n\n\n<p>Fahami betul-betul jenis perlindungan anda dan pertimbangkan tambah add-on yang relevan bila renew tahun depan.<\/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>Elak <strong>tuntutan insurans ditolak<\/strong> dengan pastikan semua maklumat tepat, lesen sah, laporan cepat, dan polisi aktif. Beli atau renew melalui <strong>BJAK<\/strong> untuk semakan automatik, proses mudah, dan perlindungan segera \u2014 supaya anda tak pening kepala bila tiba masa nak buat claim.<\/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=tuntutan-insurans-ditolak\" 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-insuran-kenderaan-kenapa-perlu-ada\">Apa Insuran Kenderaan &amp; Kenapa Perlu Ada<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/tuntutan-pihak-ketiga-apa-hak-anda\">Tuntutan Pihak Ketiga: Apa Hak Anda?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-semak-tarikh-luput-roadtax\">Cara Semak Tarikh Luput Roadtax<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ramai tak sedar tuntutan insurans boleh ditolak hanya sebab kesilapan kecil. Ketahui sebab paling biasa kenapa tuntutan insurans ditolak dan cara elak masalah bila nak buat claim supaya urusan berjalan lancar.<\/p>\n","protected":false},"author":31,"featured_media":54032,"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":[977],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tuntutan Insurans Ditolak? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Tuntutan Insurans Ditolak? . 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