{"id":54214,"date":"2025-10-29T02:56:49","date_gmt":"2025-10-28T18:56:49","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54214"},"modified":"2025-10-29T20:33:58","modified_gmt":"2025-10-29T12:33:58","slug":"perbezaan-market-value-agreed-value-dalam-insuran-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/perbezaan-market-value-agreed-value-dalam-insuran-kereta","title":{"rendered":"Perbezaan Market Value &#038; Agreed Value 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-69d42c153f873\" 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-69d42c153f873\"><\/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\/perbezaan-market-value-agreed-value-dalam-insuran-kereta\/#Introduction\" title=\"Introduction\">Introduction<\/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\/perbezaan-market-value-agreed-value-dalam-insuran-kereta\/#Apa_Itu_Market_Value\" title=\"Apa Itu Market Value\">Apa Itu Market Value<\/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\/perbezaan-market-value-agreed-value-dalam-insuran-kereta\/#Apa_Itu_Agreed_Value\" title=\"Apa Itu Agreed Value\">Apa Itu Agreed Value<\/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\/perbezaan-market-value-agreed-value-dalam-insuran-kereta\/#Mana_Lebih_Sesuai_Untuk_Anda\" title=\"Mana Lebih Sesuai Untuk Anda\">Mana Lebih Sesuai Untuk Anda<\/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\/perbezaan-market-value-agreed-value-dalam-insuran-kereta\/#Bagaimana_BJAK_Boleh_Bantu\" title=\"Bagaimana BJAK Boleh Bantu\">Bagaimana BJAK Boleh Bantu<\/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\/perbezaan-market-value-agreed-value-dalam-insuran-kereta\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ramai pemilik kereta tak sedar betapa pentingnya memahami <strong>market value dan agreed value<\/strong> sebelum membeli insurans. Dua istilah ni nampak serupa, tapi sebenarnya boleh beri kesan besar pada jumlah pampasan yang anda terima kalau berlaku kemalangan atau kecurian.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apa_Itu_Market_Value\"><\/span><strong>Apa Itu Market Value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Bila orang sebut market value, maksudnya nilai semasa kereta anda di pasaran \u2014 bukan harga masa anda beli dulu. Nilai ni berubah ikut usia, keadaan, dan permintaan semasa. Jadi kalau kereta dulu beli RM80,000 tapi sekarang pasaran letak sekitar RM55,000, itulah lebih kurang jumlah yang anda akan dapat kalau buat tuntutan total loss atau kecurian. Pendek kata, pampasan ikut nilai pasaran semasa, bukan harga asal.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apa_Itu_Agreed_Value\"><\/span><strong>Apa Itu Agreed Value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sementara tu, agreed value pula lain sikit. Ia nilai yang anda dan syarikat insurans dah setuju awal-awal masa beli polisi. Nilai ni tak berubah walaupun pasaran jatuh. Kelebihannya? Anda dah tahu siap-siap berapa pampasan yang akan diterima kalau apa-apa jadi. Tapi sebab nilainya tetap, premium biasanya sedikit lebih tinggi. Untuk kereta baru, model rare, atau yang sentimental, ramai rasa berbaloi pilih jenis ni.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Mana_Lebih_Sesuai_Untuk_Anda\"><\/span><strong>Mana Lebih Sesuai Untuk Anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>Market Value:<\/strong> Sesuai untuk kenderaan biasa yang mudah dijual di pasaran.<br><\/li><li><strong>Agreed Value:<\/strong> Sesuai untuk kereta baru, koleksi, atau kenderaan dengan nilai sentimental.<br><\/li><\/ul>\n\n\n\n<p>Jika anda nak lebih kepastian tentang jumlah pampasan, agreed value boleh jadi pilihan lebih tenang. Tapi kalau bajet jadi keutamaan, market value masih pilihan praktikal.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"54315\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perbezaan-market-value-agreed-value-dalam-insuran-kereta\/attachment\/3-163\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-163.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=\"3-163\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-163.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-163.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\/3-163.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Jadual membandingkan perbezaan utama antara market value dan agreed value dalam insurans kereta.\" class=\"wp-image-54315\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-163.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-163.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-163.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-163.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-163.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=\"Bagaimana_BJAK_Boleh_Bantu\"><\/span><strong>Bagaimana BJAK Boleh Bantu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Melalui <strong>Bjak<\/strong>, anda boleh banding pelan insurans yang menawarkan kedua-dua pilihan ini dengan mudah. Platform Bjak paparkan harga premium, jenis perlindungan, dan pilihan tambahan supaya anda boleh buat keputusan berdasarkan bajet dan keperluan sebenar.<\/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>Secara ringkas, <strong>market value dan agreed value<\/strong> menentukan berapa banyak pampasan anda terima bila berlaku kerugian. Fahami perbezaan antara keduanya supaya anda tak terkejut bila buat tuntutan nanti. Dengan <strong>Bjak<\/strong>, anda boleh banding pilihan ini terus secara online sebelum buat keputusan terbaik untuk kenderaan anda.<\/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=perbezaan-market-value-&amp;-agreed-value-dalam-insuran-kereta\" style=\"background-color:#ffd103\">Dapatkan Sebutharga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca Juga:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/elak-tuntutan-insuran-kereta-ditolak\">Elak Tuntutan Insuran Kereta Ditolak<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/apa-itu-panel-workshop-kenapa-penting\">Apa Itu Panel Workshop &amp; Kenapa Penting?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/peranan-jpj-bank-negara-malaysia-mengawal-polisi-insuran-kereta\">Peranan JPJ &amp; Bank Negara Malaysia Mengawal Polisi Insuran Kereta<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai tak tahu beza antara market value dan agreed value. Artikel ini terangkan maksud, kelebihan, dan cara pilih perlindungan terbaik untuk kereta anda.<\/p>\n","protected":false},"author":31,"featured_media":54314,"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":[2959,2836],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Perbezaan Market Value &amp; Agreed Value Dalam Insuran Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Perbezaan Market Value &amp; Agreed Value Dalam Insuran Kereta . 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