{"id":54555,"date":"2025-10-30T23:13:49","date_gmt":"2025-10-30T15:13:49","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54555"},"modified":"2025-11-04T14:58:39","modified_gmt":"2025-11-04T06:58:39","slug":"insuran-llop-adakah-wajib","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-llop-adakah-wajib","title":{"rendered":"Insuran LLOP, Adakah Wajib?"},"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-69d45ff433e53\" 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-69d45ff433e53\"><\/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\/insuran-llop-adakah-wajib\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-llop-adakah-wajib\/#1_Apa_Maksud_LLOP_Dalam_Insurans_Kereta\" title=\"1. Apa Maksud LLOP Dalam Insurans Kereta?\">1. Apa Maksud LLOP Dalam Insurans Kereta?<\/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\/insuran-llop-adakah-wajib\/#2_Perlu_Ke_Ambil_LLOP\" title=\"2. Perlu Ke Ambil LLOP?\">2. Perlu Ke Ambil LLOP?<\/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\/insuran-llop-adakah-wajib\/#3_Siapa_Patut_Pertimbangkan_LLOP\" title=\"3. Siapa Patut Pertimbangkan LLOP?\">3. Siapa Patut Pertimbangkan LLOP?<\/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\/insuran-llop-adakah-wajib\/#4_Bezanya_LLOP_Dengan_Insurans_Komprehensif\" title=\"4. Bezanya LLOP Dengan Insurans Komprehensif\">4. Bezanya LLOP Dengan Insurans Komprehensif<\/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\/insuran-llop-adakah-wajib\/#5_Cara_Tambah_LLOP_Semasa_Renew_Insurans\" title=\"5. Cara Tambah LLOP Semasa Renew Insurans\">5. Cara Tambah LLOP Semasa Renew Insurans<\/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\/insuran-llop-adakah-wajib\/#6_Bila_LLOP_Mungkin_Tak_Diperlukan\" title=\"6. Bila LLOP Mungkin Tak Diperlukan\">6. Bila LLOP Mungkin Tak Diperlukan<\/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\/insuran-llop-adakah-wajib\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pernah tak masa nak renew insurans, anda ternampak perkataan <strong>LLOP<\/strong> tapi terus tertanya-tanya, \u201cApa benda ni sebenarnya?\u201d Ramai pemandu di Malaysia pun pernah keliru. Pilihan tambahan ini memang selalu muncul dalam senarai perlindungan, tapi tak semua tahu sama ada ia perlu ditambah atau tidak. Untuk mudahkan anda faham, jom kita tengok dengan lebih dekat apa itu <strong>insuran LLOP kereta Malaysia<\/strong>, bila ia penting, dan kenapa ramai pakar insurans menyarankan agar ia diaktifkan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Apa_Maksud_LLOP_Dalam_Insurans_Kereta\"><\/span><strong>1. Apa Maksud LLOP Dalam Insurans Kereta?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>LLOP<\/strong> ialah singkatan kepada <em>Legal Liability to Other Passengers<\/em>. Ia sejenis perlindungan tambahan yang melindungi anda jika penumpang dalam kereta anda cedera atau meninggal dunia, dan mereka mengambil tindakan undang-undang terhadap anda.<\/p>\n\n\n\n<p>Bahasa mudahnya, kalau berlaku kemalangan dan penumpang mendakwa anda cuai, insurans asas (3rd party) <strong>takkan tanggung tuntutan itu<\/strong>. Tapi kalau polisi anda ada <strong>LLOP<\/strong>, pihak insurans akan bantu tanggung liabiliti tersebut.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Perlu_Ke_Ambil_LLOP\"><\/span><strong>2. Perlu Ke Ambil LLOP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Secara undang-undang, <strong>LLOP tidak diwajibkan<\/strong>. Namun, ramai pemandu memilih untuk tambah kerana:<\/p>\n\n\n\n<ul><li>Cajnya sangat rendah, biasanya sekitar <strong>RM7 hingga RM10 setahun<\/strong>.<br><\/li><li>Ia melindungi anda daripada tuntutan undang-undang yang boleh mencecah ribuan ringgit.<br><\/li><li>Sesuai untuk mereka yang kerap membawa penumpang \u2014 sama ada keluarga, rakan, atau pekerja.<br><\/li><\/ul>\n\n\n\n<p>Jadi, walaupun bukan syarat wajib dari JPJ, ia tetap dianggap <strong>perlindungan penting<\/strong> bagi pemandu yang mahukan keselamatan menyeluruh.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Siapa_Patut_Pertimbangkan_LLOP\"><\/span><strong>3. Siapa Patut Pertimbangkan LLOP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Anda patut ambil LLOP jika:<\/p>\n\n\n\n<ul><li>Kerap membawa penumpang dalam perjalanan harian.<br><\/li><li>Menggunakan <strong>kereta syarikat<\/strong> yang dipandu oleh ramai orang.<br><\/li><li>Menjadi <strong>pemandu e-hailing<\/strong> seperti Grab, inDriver, atau Maxim (sesetengah syarikat e-hailing memang mewajibkannya).<br><\/li><\/ul>\n\n\n\n<p>Kalau kereta hanya digunakan secara peribadi dan jarang ada penumpang, mungkin anda boleh abaikan \u2014 tapi bagi kebanyakan pemandu harian, ia berbaloi untuk ditambah.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Bezanya_LLOP_Dengan_Insurans_Komprehensif\"><\/span><strong>4. Bezanya LLOP Dengan Insurans Komprehensif<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-neve-link-color-background-color has-background\"><tbody><tr><td><strong>Jenis Perlindungan<\/strong><\/td><td><strong>Komprehensif<\/strong><\/td><td><strong>LLOP<\/strong><\/td><\/tr><tr><td>Lindungi kereta anda sendiri<\/td><td>Ya<\/td><td> Tidak<\/td><\/tr><tr><td>Lindungi pihak ketiga<\/td><td>Ya<\/td><td> Ya<\/td><\/tr><tr><td>Lindungi penumpang jika saman pemandu<\/td><td> Tidak<\/td><td> Ya<\/td><\/tr><tr><td>Wajib secara undang-undang<\/td><td> Ya<\/td><td> Tidak<\/td><\/tr><tr><td>Kos tambahan<\/td><td>Termasuk premium<\/td><td>RM7\u2013RM10 setahun<\/td><\/tr><\/tbody><\/table><figcaption><strong>Kesimpulan mudah:<\/strong> LLOP bukan menggantikan insurans komprehensif, tapi pelengkap kecil yang beri perlindungan besar.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Cara_Tambah_LLOP_Semasa_Renew_Insurans\"><\/span><strong>5. Cara Tambah LLOP Semasa Renew Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tambah LLOP sekarang sangat mudah \u2014 boleh dibuat terus di platform dalam talian seperti <strong>BJAK.my<\/strong> atau <strong>MyEG<\/strong>.<\/p>\n\n\n\n<p>Langkah ringkasnya:<\/p>\n\n\n\n<ol><li>Masuk ke laman <strong>BJAK.my<\/strong>.<br><\/li><li>Masukkan nombor plat &amp; IC untuk semak sebut harga.<br><\/li><li>Pilih pelan insurans yang anda mahu.<br><\/li><li>Tandakan kotak pilihan tambahan <strong>\u201cLegal Liability to Other Passengers (LLOP)\u201d<\/strong>.<br><\/li><li>Sahkan dan buat bayaran online.<br><\/li><\/ol>\n\n\n\n<p>Dalam masa singkat, polisi baharu akan dihantar melalui e-mel atau WhatsApp bersama bukti perlindungan LLOP anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"6_Bila_LLOP_Mungkin_Tak_Diperlukan\"><\/span><strong>6. Bila LLOP Mungkin Tak Diperlukan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kalau anda jarang ada penumpang \u2014 contohnya, kereta hanya digunakan untuk pergi kerja seorang diri \u2014 perlindungan ini mungkin bukan keperluan utama.<br>Tapi, memandangkan harganya sangat rendah, ramai tetap memilih untuk tambah demi ketenangan jangka panjang.<\/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=\"54620\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insuran-llop-adakah-wajib\/attachment\/3-184\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-184.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=\"3-184\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-184.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-184.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\/3-184.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik dua lajur yang membandingkan insurans komprehensif dan LLOP, menunjukkan perbezaan dari segi perlindungan penumpang dan liabiliti undang-undang.\" class=\"wp-image-54620\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-184.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-184.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-184.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-184.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-184.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=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Walaupun <strong>insuran LLOP kereta Malaysia<\/strong> bukanlah sesuatu yang wajib, ia tetap penting sebagai perlindungan tambahan. Dengan kos yang kecil, anda dapat jaminan besar jika berlaku kemalangan melibatkan penumpang. Kalau anda mahu rasa lebih tenang di jalan raya, semak semasa renew insurans nanti \u2014 pastikan <strong>LLOP<\/strong> termasuk dalam polisi anda. Tambahan kecil, tetapi sangat berbaloi.<\/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=insuran-llop-adakah-wajib\" 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\/apakah-insuran-third-party-fire-theft-dalam-malaysia\">Apakah Insuran Third Party, Fire &amp; Theft Dalam Malaysia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/renew-roadtax-tanpa-insuran-boleh-ke\">Renew Roadtax Tanpa Insuran, Boleh Ke?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/renew-roadtax-mengguna-platform-online-tanpa-ke-jpj\">Renew Roadtax Mengguna Platform Online Tanpa Ke JPJ<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Masih ramai pemilik kenderaan belum faham sepenuhnya tentang insuran LLOP kereta Malaysia \u2014 sama ada ia wajib, apa perlindungannya, dan bila perlu diambil. Artikel ini akan terangkan secara mudah supaya anda tahu sama ada perlindungan tambahan ini sesuai untuk anda.<\/p>\n","protected":false},"author":31,"featured_media":54619,"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":[2762,1525],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insuran LLOP, Adakah Wajib? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Insuran LLOP, Adakah Wajib? . 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