{"id":54671,"date":"2025-10-31T22:51:09","date_gmt":"2025-10-31T14:51:09","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54671"},"modified":"2025-10-31T22:51:11","modified_gmt":"2025-10-31T14:51:11","slug":"excess-dalam-insuran-kereta-cara-ia-dikira","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/excess-dalam-insuran-kereta-cara-ia-dikira","title":{"rendered":"Excess Dalam Insuran Kereta &#038; Cara Ia Dikira"},"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-69d46e833c27d\" 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-69d46e833c27d\"><\/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\/excess-dalam-insuran-kereta-cara-ia-dikira\/#Apa_Itu_Excess_Dalam_Insuran_Kereta\" title=\"Apa Itu Excess Dalam Insuran Kereta?\">Apa Itu Excess Dalam Insuran Kereta?<\/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\/excess-dalam-insuran-kereta-cara-ia-dikira\/#Jenis-Jenis_Excess\" title=\"Jenis-Jenis Excess\">Jenis-Jenis Excess<\/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\/excess-dalam-insuran-kereta-cara-ia-dikira\/#Cara_Kira_Excess_Insuran\" title=\"Cara Kira Excess Insuran\">Cara Kira Excess Insuran<\/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\/excess-dalam-insuran-kereta-cara-ia-dikira\/#Impak_Kos_Excess_Insuran\" title=\"Impak Kos Excess Insuran\">Impak Kos Excess Insuran<\/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\/excess-dalam-insuran-kereta-cara-ia-dikira\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Apa_Itu_Excess_Dalam_Insuran_Kereta\"><\/span><strong>Apa Itu Excess Dalam Insuran Kereta?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pernah tak dengar istilah excess bila beli insuran kereta? Ia merujuk kepada jumlah wang yang anda kena bayar sendiri jika membuat tuntutan. Bayangkan kereta anda kemalangan \u2014 bukan semua kos akan ditanggung oleh syarikat insurans. Jumlah yang tidak dilindungi itulah yang dipanggil excess. Faham konsep excess dalam insuran kereta &amp; kenapa ia penting supaya anda tak terkejut bila tiba masa nak buat tuntutan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Jenis-Jenis_Excess\"><\/span><strong>Jenis-Jenis Excess<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Dalam insuran kereta Malaysia, terdapat beberapa jenis excess yang biasa:<\/p>\n\n\n\n<ul><li><strong>Standard Excess:<\/strong> Jumlah asas yang ditetapkan syarikat insurans.<br><\/li><li><strong>Compulsory \/ Mandatory Excess:<\/strong> Tambahan wajib untuk kes tertentu, contohnya kereta berusia lebih 5 tahun atau pemandu baru.<br><\/li><li><strong>Voluntary Excess:<\/strong> Pilihan tambahan yang anda boleh tetapkan sendiri untuk kurangkan premium bulanan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Cara_Kira_Excess_Insuran\"><\/span><strong>Cara Kira Excess Insuran<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Nak tahu berapa yang akan dibayar oleh insurans? Ini caranya:<\/p>\n\n\n\n<p><strong>Jumlah Tuntutan \u2013 Excess = Bayaran Insurans<\/strong><\/p>\n\n\n\n<p>Sebagai contoh, jika kerosakan kereta bernilai RM3,000 dan excess RM500, insurans hanya bayar RM2,500, manakala RM500 anda tanggung sendiri. Mudah kan?<\/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=\"54738\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/excess-dalam-insuran-kereta-cara-ia-dikira\/attachment\/3-190\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-190.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=\"3-190\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-190.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-190.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-190.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan empat langkah mudah untuk mengira excess dalam insuran kereta: tentukan jenis excess, semak kerugian, tolak excess, dan terima bayaran insurans.\" class=\"wp-image-54738\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-190.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-190.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-190.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-190.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-190.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=\"Impak_Kos_Excess_Insuran\"><\/span><strong>Impak Kos Excess Insuran<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kalau pilih voluntary excess yang tinggi, premium bulanan mungkin lebih rendah, tapi anda kena tanggung lebih bila buat tuntutan.<\/p>\n\n\n\n<p>Kalau excess rendah, mudah untuk tuntut, tetapi premium bulanan akan lebih tinggi. Pilih yang seimbang antara kemampuan kewangan dan risiko yang sanggup ditanggung.<\/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>Excess dalam insuran kereta memang elemen penting. Bila faham cara kira excess insuran dan pilih jumlah yang sesuai, anda boleh urus kos insuran kereta Malaysia dengan lebih bijak. Tak perlu risau bila berlaku kemalangan, anda dah tahu apa yang perlu dibayar dan apa yang ditanggung insurans.<\/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=excess-dalam-insuran-kereta--cara-ia-dikira\" 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\/renew-roadtax-kereta-import-cbu-tempatan-ckd\">Renew Roadtax Kereta Import (CBU) &amp; Tempatan (CKD)<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/renew-roadtax-syarikat-langkah-dokumen-diperlukan\">Renew Roadtax Syarikat, Langkah &amp; Dokumen Diperlukan<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax-6-bulan-vs-setahun-mana-lebih-berbaloi\">Roadtax 6 Bulan vs Setahun, Mana Lebih Berbaloi?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Fahami apa itu excess dalam insuran kereta dan bagaimana ia dikira supaya anda boleh pilih polisi yang sesuai tanpa tersilap langkah.<\/p>\n","protected":false},"author":31,"featured_media":54737,"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":[2429,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Excess Dalam Insuran Kereta &amp; Cara Ia Dikira | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Excess Dalam Insuran Kereta &amp; Cara Ia Dikira . 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