{"id":54101,"date":"2025-10-25T23:04:25","date_gmt":"2025-10-25T15:04:25","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54101"},"modified":"2025-10-29T20:35:00","modified_gmt":"2025-10-29T12:35:00","slug":"apakah-maksud-third-party-fire-and-theft-dalam-insuran-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/apakah-maksud-third-party-fire-and-theft-dalam-insuran-kereta","title":{"rendered":"Apakah Maksud \u201cThird Party, Fire and Theft\u201d 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-69d45cbb13e7f\" 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-69d45cbb13e7f\"><\/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\/apakah-maksud-third-party-fire-and-theft-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\/apakah-maksud-third-party-fire-and-theft-dalam-insuran-kereta\/#Perlindungan_Yang_Diberikan_oleh_TPFT\" title=\"Perlindungan Yang Diberikan oleh TPFT\">Perlindungan Yang Diberikan oleh TPFT<\/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\/apakah-maksud-third-party-fire-and-theft-dalam-insuran-kereta\/#Kelebihan_dan_Kekurangan_TPFT\" title=\"Kelebihan dan Kekurangan TPFT\">Kelebihan dan Kekurangan TPFT<\/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\/apakah-maksud-third-party-fire-and-theft-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>Apakah Third Party FIre &amp; Theft \u2014 atau ringkasnya <strong>TPFT<\/strong> \u2014 selalu muncul bila kita beli insurans kereta. Tapi ramai tak betul-betul tahu apa maksudnya. Sebenarnya, TPFT lindungi anda daripada tiga perkara utama: <strong>kerugian pihak ketiga, kebakaran, dan kecurian<\/strong>.<br>Bezanya dengan Comprehensive, TPFT <strong>tak cover kerosakan pada kereta sendiri<\/strong> kalau berlaku kemalangan. Sebab tu penting untuk faham jenis ni sebelum buat pilihan, terutama kalau nak jimat tapi masih nak perlindungan asas.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Perlindungan_Yang_Diberikan_oleh_TPFT\"><\/span><strong>Perlindungan Yang Diberikan oleh TPFT<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>1. Third Party (Pihak Ketiga)<\/strong><strong><br><\/strong> Kalau anda langgar kenderaan lain atau sebabkan kecederaan pada orang lain, TPFT akan lindungi kos gantirugi tu. Tapi ingat \u2014 kereta anda sendiri tak termasuk dalam perlindungan ni.<\/p>\n\n\n\n<p><strong>2. Fire (Kebakaran)<\/strong><strong><br><\/strong> Kalau kereta terbakar akibat litar pintas, kemalangan besar, atau sebab lain yang sah, syarikat insurans akan bayar ganti rugi mengikut nilai semasa kenderaan.<\/p>\n\n\n\n<p><strong>3. Theft (Kecurian)<\/strong><strong><br><\/strong> Kalau kereta dicuri dan tak ditemui semula, anda layak menuntut pampasan berdasarkan nilai pasaran semasa atau <em>sum insured<\/em>.<\/p>\n\n\n\n<p>&nbsp;<strong>Nota:<\/strong> TPFT <strong>tak termasuk bantuan tepi jalan (roadside assistance)<\/strong> atau perlindungan kerosakan sendiri. Tapi kalau beli tambahan seperti <strong>Bjak VIP Rescue<\/strong>, anda dapat satu kali towing percuma \u2014 berguna kalau kecemasan berlaku di tengah jalan.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"54185\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apakah-maksud-third-party-fire-and-theft-dalam-insuran-kereta\/attachment\/3-155\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-155.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=\"3-155\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-155.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-155.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\/3-155.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik membandingkan perlindungan antara insurans TPFT dan Comprehensive. Kolum kiri menunjukkan TPFT yang meliputi pihak ketiga, kebakaran, dan kecurian \ud83d\ude97\ud83d\udd25\ud83d\udee1\ufe0f, manakala kolum kanan menunjukkan Comprehensive yang turut meliputi kerosakan sendiri dan add-on \ud83d\udd27, memberikan gambaran jelas perbezaan perlindungan kedua-duanya.\" class=\"wp-image-54185\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-155.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-155.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-155.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-155.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-155.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=\"Kelebihan_dan_Kekurangan_TPFT\"><\/span><strong>Kelebihan dan Kekurangan TPFT<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Kelebihan:<\/strong><strong><br><\/strong> Premium lebih murah berbanding insurans Comprehensive.<br>Sesuai untuk kereta lama atau yang nilai pasaran dah rendah.<\/p>\n\n\n\n<p><strong>Kekurangan:<\/strong><strong><br><\/strong> Tak lindungi kerosakan pada kereta sendiri akibat kemalangan.<br>Roadside assistance dan pembaikan panel biasanya tak termasuk kecuali ambil add-on khas.<\/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>Bila tertanya apakah Third Party, Fire and Theft sesuai untuk pemandu yang nak perlindungan asas tanpa bayar premium tinggi. Ia melindungi kerugian utama seperti kebakaran, kecurian, dan kerosakan pihak ketiga \u2014 tapi bukan kerosakan sendiri. Kalau kereta anda masih baru atau bernilai tinggi, pertimbangkan pelan <strong>Comprehensive<\/strong> supaya perlindungan lebih menyeluruh.<\/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=apakah-maksud-third-party-fire-and-theft- 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\/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\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/kenal-pasti-penipuan-insurans-cara-elak-jadi-mangsa\">Kenal Pasti Penipuan Insurans &amp; Cara Elak Jadi Mangsa<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ramai pemandu keliru antara insurans Comprehensive dan Third Party, Fire and Theft (TPFT). Artikel ini terangkan maksud TPFT, perlindungan yang diberikan, dan bila ia sesuai untuk kenderaan anda.<\/p>\n","protected":false},"author":31,"featured_media":54184,"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":[2981],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apakah Maksud \u201cThird Party, Fire and Theft\u201d Dalam Insuran Kereta? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Apakah Maksud \u201cThird Party, Fire and Theft\u201d Dalam Insuran Kereta? . 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