{"id":5406,"date":"2021-10-09T11:12:10","date_gmt":"2021-10-09T03:12:10","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=5406"},"modified":"2023-06-27T11:34:30","modified_gmt":"2023-06-27T03:34:30","slug":"cara-pilih-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-pilih-insurans-kereta","title":{"rendered":"Cara Pilih Insurans Kereta"},"content":{"rendered":"\n<p>Di Malaysia, anda mempunyai pelbagai pilihan insurans kereta. Jadi, untuk mendapatkan insurans yang sesuai serta perlindungan yang secukupnya pada harga yang terbaik, penting untuk anda mengetahui <a href=\"https:\/\/bjak.my\/blog\/4-perkara-penting-yang-perlu-anda-semak-pada-polisi-insurans-kereta-anda\/\">cara pilih insurans kereta<\/a>.<\/p>\n\n\n\n<p>Untuk pengetahuan anda, susulan liberalisasi tarif insurans motor bermula 1 Julai 2017, kadar <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium insurans kereta<\/a> ditentukan oleh pengendali insurans atau takaful berdasarkan penilaian risiko masing-masing. Apa ertinya liberalisasi ini kepada anda sebagai pengguna? Anda dapat memilih insurans yang menawarkan perlindungan mengikut keperluan dan juga bajet anda. Oleh itu, anda amat disarankan untuk membandingkan manfaat serta harga insurans sebelum membeli mana-mana insurans.<\/p>\n\n\n\n<p>Untuk membantu anda mendapatkan<a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\"> insurans kereta<\/a> terbaik, kami kongsikan dalam artikel ini cara pilih insurans kereta.<\/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=cara-pilih-insurans-kereta\">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-69deb0a4ef1cf\" 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-69deb0a4ef1cf\"><\/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\/cara-pilih-insurans-kereta\/#Tentukan_jumlah_yang_anda_perlu_bayar_untuk_insurans\" title=\"Tentukan jumlah yang anda perlu bayar untuk insurans\">Tentukan jumlah yang anda perlu bayar untuk insurans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-pilih-insurans-kereta\/#Bandingkan_perlindungan_atau_manfaat_sampingan_daripada_pelbagai_insurans\" title=\"Bandingkan perlindungan atau manfaat sampingan daripada pelbagai insurans\">Bandingkan perlindungan atau manfaat sampingan daripada pelbagai insurans<\/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\/cara-pilih-insurans-kereta\/#Check_cawangan_bengkel_panel_insurans\" title=\"Check cawangan bengkel panel insurans\">Check cawangan bengkel panel insurans<\/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\/cara-pilih-insurans-kereta\/#Pilih_antara_insurans_konvensional_atau_takaful\" title=\"Pilih antara insurans konvensional atau takaful\">Pilih antara insurans konvensional atau takaful<\/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\/cara-pilih-insurans-kereta\/#Bandingkan_tahap_kualiti_dan_servis_syarikat_insurans\" title=\"Bandingkan tahap kualiti dan servis syarikat insurans\">Bandingkan tahap kualiti dan servis syarikat insurans<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tentukan_jumlah_yang_anda_perlu_bayar_untuk_insurans\"><\/span><strong>Tentukan jumlah yang anda perlu bayar untuk insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6739\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-pilih-insurans-kereta\/attachment\/211008_bjakblog_adilah_a6-01-02-copy\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-02-copy.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;1&quot;}\" data-image-title=\"211008_BjakBlog_Adilah_A6-01-02-copy\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-02-copy.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-02-copy.jpg?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_Adilah_A6-01-02-copy-1024x1024.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Tentukan jumlah yang anda perlu bayar untuk insurans\" class=\"wp-image-6739\" title=\"Tentukan jumlah yang anda perlu bayar untuk insurans\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-02-copy.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-02-copy.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-02-copy.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-02-copy.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-02-copy.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Premium atau jumlah yang anda bayar untuk perlindungan insurans kereta berbeza mengikut syarikat insurans tertentu.&nbsp;<\/p>\n\n\n\n<p>Syarikat insurans membuat penilaian risiko berdasarkan beberapa faktor seperti nilai pasaran kereta, usia kereta serta perlindungan yang ditawarkan. Secara umumnya, insurans komprehensif akan mempunyai premium yang lebih tinggi kerana perlindungannya yang agak menyeluruh berbanding insurans pihak ketiga, kebakaran dan kecurian atau insurans pihak ketiga.<\/p>\n\n\n\n<p>Untuk menentukan jumlah yang perlu anda bayar untuk insurans kereta anda, semak dahulu nilai pasaran atau <em>market value<\/em> kereta anda melalui MyCarInfo. Berdasarkan <em>market value<\/em> tersebut, tentukan jumlah diinsuranskan atau <em>sum insured<\/em> yang diperlukan. Anda amat dinasihatkan untuk tidak meletakkan <em>sum insured<\/em> di bawah nilai pasaran. Bergantung kepada usia kereta anda dan sama ada kereta anda masih berhutang, anda digalakkan untuk meletakkan <em>sum insured<\/em> berdasarkan <em>agreed value<\/em> atau nilai dipersetujui. Sekiranya kereta anda kemalangan sehingga <em>total loss<\/em> ataupun dicuri, anda akan mendapat pampasan mengikut <em>agreed value<\/em> iaitu nilai yang dipersetujui ketika <em>renew<\/em> insurans. Manakala, sekiranya anda memilih <em>market value<\/em>, nilai pampasan akan mengikut nilai pasaran semasa. Untuk pengetahuan anda, nilai pasaran kereta susut sekitar 10-15% setiap tahun.<\/p>\n\n\n\n<p>Jadi dalam mendapatkan premium yang murah, pertimbangkan <em>sum insured<\/em> yang berpadanan sama ada mengikut <em>market value<\/em> atau <em>agreed value<\/em>. Premium anda mungkin lebih tinggi jika memilih <em>agreed value<\/em>, tetapi pertimbangkan keadaan kereta dan juga status kewangan anda dalam membuat pemilihan.<\/p>\n\n\n\n<p>Baca juga artikel kami tentang cara menentukan <em>sum insured<\/em> insurans kereta anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bandingkan_perlindungan_atau_manfaat_sampingan_daripada_pelbagai_insurans\"><\/span><strong>Bandingkan perlindungan atau manfaat sampingan daripada pelbagai insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6023\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-pilih-insurans-kereta\/attachment\/211008_bjakblog_adilah_a5-01-04-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-04-1.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=\"211008_BjakBlog_Adilah_A5-01-04-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-04-1.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-04-1.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_Adilah_A5-01-04-1-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Perlindungan percuma (complimentary coverage) seperti khidmat tunda (towing)\" class=\"wp-image-6023\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-04-1.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-04-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-04-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-04-1.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A5-01-04-1.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Sesetengah insurans menawarkan servis tunda atau <em>towing<\/em> secara percuma<\/figcaption><\/figure>\n\n\n\n<p>Untuk mendapatkan perlindungan yang terbaik, bandingkan dahulu perlindungan percuma atau <em>complimentary coverage<\/em> yang ditawarkan syarikat-syarikat insurans di Malaysia.<\/p>\n\n\n\n<p>Sebagai contoh, terdapat syarikat insurans yang menawarkan servis tunda atau <em>towing<\/em> secara percuma sahaja, terhad kepada jarak perjalanan mengikut polisi insurans tertentu.<\/p>\n\n\n\n<p>Perlindungan lain ialah seperti penggantian percuma tempat duduk kereta anak kecil atau <em>child car seat<\/em> sekiranya rosak akibat kemalangan atau hilang akibat kecurian.<\/p>\n\n\n\n<p>Cara untuk mengetahui dengan jelas perlindungan percuma yang ditawarkan syarikat insurans ialah dengan membaca <em>product disclosure sheet<\/em> atau senarai pemberitahuan produk. Selalunya, anda boleh dapatkan maklumat ini melalui laman web syarikat insurans masing-masing. <\/p>\n\n\n\n<p>Ambil sedikit masa untuk membuat perbandingan. Bukan apa, ini untuk mendapatkan perlindungan terbaik dan premium yang berpatutan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Check_cawangan_bengkel_panel_insurans\"><\/span><strong><em>Check<\/em> cawangan bengkel panel insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6024\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-pilih-insurans-kereta\/attachment\/211008_bjakblog_adilah_a6-01-03\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-03.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=\"211008_BjakBlog_Adilah_A6-01-03\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-03.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-03.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_Adilah_A6-01-03-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Check cawangan bengkel panel insurans\" class=\"wp-image-6024\" title=\"Check cawangan bengkel panel insurans\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-03.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-03.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-03.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-03.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-03.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Semak sama ada insurans pilihan anda mempunyai bengkel panel di seluruh Malaysia<\/figcaption><\/figure>\n\n\n\n<p>Ini juga ciri penting sebelum anda memilih mana-mana insurans kereta. Semak dahulu cawangan bengkel panel insurans. Hal ini kerana kebanyakan syarikat insurans hanya membenarkan anda untuk membaiki kereta anda di bengkel panel. Ini juga untuk memastikan bengkel berkenaan menepati standard perkhidmatan yang digariskan oleh pihak insurans.<\/p>\n\n\n\n<p>Anda disarankan untuk mendapatkan insurans yang mempunyai bengkel panel di seluruh Malaysia. Ini untuk memudahkan anda mendapatkan perkhidmatan pembaikan kereta di mana-mana.<\/p>\n\n\n\n<p>Selain itu, sekiranya anda membawa kereta ke bengkel yang bukan di bawah panel insurans, akan <em>mungkin<\/em> tidak dapat <em>claim<\/em> daripada insurans anda. Anda boleh menyemak senarai penuh bengkel panel insurans pilihan anda di laman web syarikat insurans berkenaan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pilih_antara_insurans_konvensional_atau_takaful\"><\/span><strong>Pilih antara insurans konvensional atau takaful<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kedua-dua konsep insurans ini berkongsi prinsip asas dan objektif yang sama iaitu untuk melindungi anda sebagai pemegang polisi sekiranya kereta anda terlibat dalam kemalangan jalan raya, kecurian, bergantung kepada polisi masing-masing.<\/p>\n\n\n\n<p>Anda boleh pilih untuk mendapatkan sama ada insurans konvensional atau takaful untuk kereta anda.\u00a0<\/p>\n\n\n\n<p>Ringkasnya, takaful adalah polisi patuh prinsip Shariah Islam. Takaful bukan sahaja boleh dimiliki oleh orang beragama Islam, tetapi sesiapa sahaja. Anda boleh semak syarikat takaful yang menawarkan takaful kereta di laman web Persatuan Takaful Malaysia. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bandingkan_tahap_kualiti_dan_servis_syarikat_insurans\"><\/span><strong>Bandingkan tahap kualiti dan servis syarikat insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6025\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-pilih-insurans-kereta\/attachment\/211008_bjakblog_adilah_a6-01-05\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-05.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=\"211008_BjakBlog_Adilah_A6-01-05\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-05.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-05.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_Adilah_A6-01-05-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Bandingkan tahap kualiti dan servis syarikat insurans adalah satu cara pilih insurans kereta terbaik.\" class=\"wp-image-6025\" title=\"Bandingkan tahap kualiti dan servis syarikat insurans\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-05.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-05.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-05.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-05.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_A6-01-05.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Dapatkan insurans yang menawarkan khidmat pelanggan 24 jam serta proses tuntutan atau <em>claim <\/em>yang mudah<\/figcaption><\/figure>\n\n\n\n<p>Kualiti dan servis perkhidmatan insurans adalah kriteria yang sangat penting dalam pemilihan insurans.&nbsp;<\/p>\n\n\n\n<p>Sebagai panduan, anda boleh bandingkan servis perkhidmatan pelanggan. Sebolehnya, dapatkan insurans yang menyediakan servis perkhidmatan pelanggan 24 jam. Kemalangan boleh berlaku pada bila-bila masa. Dengan adanya servis 24 jam, anda boleh hubungi insurans anda pada bila-bila masa berlakunya kemalangan atau kecemasan.<\/p>\n\n\n\n<p>Semak juga cara <em>claim<\/em> atau membuat tuntutan insurans. Proses <em>claim<\/em> yang mudah akan membantu anda untuk mendapatkan perkhidmatan atau pampasan tertentu dengan lebih efisyen.<\/p>\n\n\n\n<p>Anda boleh buat carian atau semakan secara <em>online<\/em> atau gunakan sahaja laman perbandingan seperti Bjak untuk membandingkan perlindungan, harga serta perkhidmatan sehingga 15 syarikat insurans.<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Bandingkan insurans kereta sebelum beli<\/strong><\/p>\n\n\n\n<p>Diharapkan perkongsian kami tentang cara-cara pilih insurans kereta dapat membantu anda membuat pilihan yang baik. Selain jenis dan harga insurans, lihat juga pada manfaat atau perlindungan serta servis yang ditawarkan termasuk bengkel panel di seluruh Malaysia serta khidmat pelanggan 24 jam. <\/p>\n\n\n\n<p>Anda boleh lihat dan bandingkan pelbagai jenis insurans kereta di Malaysia dan dapatkan quotation atau sebut harga insurans kereta secara percuma melalui Bjak. Ingat, bandingkan dahulu insurans kereta sebelum beli untuk menikmati lebih manfaat dan penjimatan.<\/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=cara-pilih-insurans-kereta\">sebut\u00a0harga 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=cara-pilih-insurans-kereta\">Renew Online<\/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\n\n\n<p><a href=\"\/#facebook\" rel=\"noreferrer noopener\" target=\"_blank\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Terdapat lebih daripada 20 syarikat insurans di Malaysia yang menawarkan insurans kereta. Mana satu nak pilih? <\/p>\n","protected":false},"author":5,"featured_media":5537,"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>Cara Pilih Insurans Kereta<\/title>\n<meta name=\"description\" content=\"Terdapat lebih 20 syarikat insurans di Malaysia yang menawarkan insurans kereta. 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