{"id":54098,"date":"2025-10-25T23:03:30","date_gmt":"2025-10-25T15:03:30","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54098"},"modified":"2025-10-29T20:35:11","modified_gmt":"2025-10-29T12:35:11","slug":"apa-sum-insured-bagaimana-dikira-dalam-insuran-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-sum-insured-bagaimana-dikira-dalam-insuran-kereta","title":{"rendered":"Apa Sum Insured &#038; Bagaimana Dikira Dalam Insuran Kereta"},"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-69d45cbd031d0\" 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-69d45cbd031d0\"><\/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-sum-insured-bagaimana-dikira-dalam-insuran-kereta\/#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-sum-insured-bagaimana-dikira-dalam-insuran-kereta\/#Macam_Mana_Sum_Insured_Dikira\" title=\"Macam Mana Sum Insured Dikira\">Macam Mana Sum Insured Dikira<\/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-sum-insured-bagaimana-dikira-dalam-insuran-kereta\/#Kenapa_Nilai_Sum_Insured_Penting\" title=\"Kenapa Nilai Sum Insured Penting\">Kenapa Nilai Sum Insured Penting<\/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-sum-insured-bagaimana-dikira-dalam-insuran-kereta\/#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 ambil insurans tiap tahun tanpa betul-betul faham apa itu sum insured. Ringkasnya, sum insured ialah jumlah maksimum yang syarikat insurans akan bayar kalau kereta rosak teruk atau hilang. Nilai ni penting sebab kalau terlalu rendah, anda mungkin kena tanggung sebahagian kos sendiri. Tapi kalau terlalu tinggi, anda pula bayar premium lebih daripada sepatutnya.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Macam_Mana_Sum_Insured_Dikira\"><\/span><strong>Macam Mana Sum Insured Dikira<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>1. Berdasarkan nilai pasaran kereta<\/strong><br>Biasanya, nilai sum insured ditentukan ikut harga pasaran semasa masa anda beli polisi.<br>Contohnya, kereta 5 tahun mungkin dah susut nilai berbanding masa baru keluar showroom. Jadi, nilai ni berubah ikut umur, keadaan, dan model kenderaan.<\/p>\n\n\n\n<p><strong>2. Mengikut jenis polisi<\/strong><\/p>\n\n\n\n<ul><li><strong>Comprehensive<\/strong> \u2013 Lindung semua kerosakan (selagi dalam had <em>sum insured<\/em>).<\/li><li><strong>Third Party, Fire &amp; Theft (TPFT)<\/strong> \u2013 Lindung hanya kalau kereta terbakar atau dicuri.<\/li><\/ul>\n\n\n\n<p><strong>3. Faktor tambahan<\/strong><br>Kalau anda pasang aksesori baru, ubah suai kereta, atau tambah alat ganti premium, semua ni boleh ubah jumlah sum insured. Sesetengah syarikat benarkan anda tambah perlindungan khas untuk aksesori dengan sedikit bayaran tambahan.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"54179\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-sum-insured-bagaimana-dikira-dalam-insuran-kereta\/attachment\/3-154\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-154.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=\"3-154\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-154.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-154.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\/3-154.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menerangkan apa itu sum insured dan cara pengiraannya melalui tiga bahagian \u2014 nilai pasaran kereta, jenis polisi, dan faktor tambahan \u2014 dengan ikon wang \ud83d\udcb0, perisai \ud83d\udee1\ufe0f, dan dokumen \ud83e\uddfe yang menggambarkan nilai, perlindungan, serta polisi insurans.\" class=\"wp-image-54179\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-154.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-154.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-154.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-154.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-154.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=\"Kenapa_Nilai_Sum_Insured_Penting\"><\/span><strong>Kenapa Nilai <em>Sum Insured<\/em> Penting<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>Elak under-insurance<\/strong> \u2013 Kalau nilai terlalu rendah, tuntutan mungkin tak cukup untuk tampung kos pembaikan penuh.<\/li><li><strong>Elak over-insurance<\/strong> \u2013 Bayar premium lebih mahal tapi tak beri perlindungan tambahan yang berbaloi.<\/li><li><strong>Pastikan pampasan mencukupi<\/strong> \u2013 <em>Sum insured<\/em> tentukan berapa banyak syarikat akan bayar kalau berlaku total loss atau kecurian.<\/li><\/ul>\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>Bila tertanya apa itu sum insured bukan sekadar angka dalam polisi \u2014 ia penentu sama ada anda benar-benar dilindungi bila kemalangan berlaku. Pastikan nilai tu seimbang dengan harga semasa kereta anda, dan semak semula setiap kali renew insurans. Kalau nak mudah, semak terus melalui platform seperti <strong>Bjak<\/strong> yang paparkan anggaran nilai pasaran terkini semasa beli polisi.<\/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-sum-insured-bagaimana-dikira-dalam-insuran-kereta\" 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\/evolusi-insurans-digital-di-malaysia\">Evolusi Insurans Digital Di Malaysia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/bagaimana-ai-bantu-dalam-proses-tuntutan-insurans\">Bagaimana AI Bantu Dalam Proses Tuntutan Insurans<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/bagaimana-insurans-bantu-semasa-bencana-alam\">Bagaimana Insurans Bantu Semasa Bencana Alam<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ramai pemilik kenderaan keliru tentang istilah sum insured. Artikel ini terangkan maksudnya, cara ia dikira, dan kenapa ia penting untuk memastikan anda mendapat perlindungan insurans yang mencukupi.<\/p>\n","protected":false},"author":31,"featured_media":54178,"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":[93,3028],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apa Sum Insured &amp; Bagaimana Dikira Dalam Insuran Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Apa Sum Insured &amp; Bagaimana Dikira Dalam Insuran Kereta. 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