{"id":54677,"date":"2025-10-31T22:51:54","date_gmt":"2025-10-31T14:51:54","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54677"},"modified":"2025-10-31T22:51:57","modified_gmt":"2025-10-31T14:51:57","slug":"apakah-agreed-market-value-dalam-polisi-insuran","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/apakah-agreed-market-value-dalam-polisi-insuran","title":{"rendered":"Apakah Agreed &#038; Market Value Dalam Polisi Insuran"},"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-69d45ff43576a\" 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-69d45ff43576a\"><\/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-agreed-market-value-dalam-polisi-insuran\/#Apa_Itu_Agreed_Value_Dalam_Polisi_Insuran\" title=\"Apa Itu Agreed Value Dalam Polisi Insuran?\">Apa Itu Agreed Value Dalam Polisi Insuran?<\/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-agreed-market-value-dalam-polisi-insuran\/#Apa_Itu_Market_Value_Dalam_Polisi_Insuran\" title=\"Apa Itu Market Value Dalam Polisi Insuran?\">Apa Itu Market Value Dalam Polisi Insuran?<\/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-agreed-market-value-dalam-polisi-insuran\/#Perbezaan_Utama_Antara_Agreed_Value_Market_Value\" title=\"Perbezaan Utama Antara Agreed Value &amp; Market Value\">Perbezaan Utama Antara Agreed Value &amp; Market 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\/apakah-agreed-market-value-dalam-polisi-insuran\/#Tips_Memilih_Nilai_Yang_Tepat\" title=\"Tips Memilih Nilai Yang Tepat\">Tips Memilih Nilai Yang Tepat<\/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\/apakah-agreed-market-value-dalam-polisi-insuran\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Apa_Itu_Agreed_Value_Dalam_Polisi_Insuran\"><\/span><strong>Apa Itu Agreed Value Dalam Polisi Insuran?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Agreed Value ialah jumlah yang ditetapkan antara anda dan syarikat insurans semasa beli polisi. Maksudnya, kalau kereta rosak teruk atau hilang, insurans akan bayar ikut nilai yang telah dipersetujui. Anda tak perlu risau nilai pasaran kereta semasa itu berubah. Bayangkan, baru beli kereta import mahal\u2014kalau berlaku kehilangan atau kerosakan serius, tiada risiko jumlah tuntutan turun mendadak. Semua dah dipersetujui sejak awal.<\/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_Dalam_Polisi_Insuran\"><\/span><strong>Apa Itu Market Value Dalam Polisi Insuran?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Market Value pula ialah nilai kereta ikut harga pasaran semasa pada hari tuntutan.<\/p>\n\n\n\n<p>Contohnya, kereta berusia 3 tahun biasanya ada harga pasaran lebih rendah daripada harga beli asal. Kalau berlaku kerosakan total, syarikat insurans bayar ikut harga pasaran semasa, bukan harga asal kereta.<\/p>\n\n\n\n<p>Market Value sesuai untuk kereta lama atau yang cepat susut nilai. Premium biasanya lebih rendah, tapi jumlah yang diterima semasa tuntutan mungkin kurang. Market Value lebih sesuai untuk kereta lama atau kereta yang susut nilai cepat. Biasanya premium lebih rendah berbanding Agreed Value, tetapi jumlah tuntutan semasa kerugian mungkin kurang.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Perbezaan_Utama_Antara_Agreed_Value_Market_Value\"><\/span><strong>Perbezaan Utama Antara Agreed Value &amp; Market Value<\/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>Faktor<\/strong><\/td><td><strong>Agreed Value<\/strong><\/td><td><strong>Market Value<\/strong><\/td><\/tr><tr><td>Nilai Bayaran<\/td><td>Tetap<\/td><td>Berdasarkan harga pasaran semasa<\/td><\/tr><tr><td>Sesuai Untuk<\/td><td>Kereta baru \/ import<\/td><td>Kereta lama \/ susut nilai cepat<\/td><\/tr><tr><td>Premium<\/td><td>Biasanya lebih tinggi<\/td><td>Biasanya lebih rendah<\/td><\/tr><tr><td>Risiko<\/td><td>Jumlah dijamin semasa tuntutan<\/td><td>Jumlah mungkin kurang semasa tuntutan<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"54742\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apakah-agreed-market-value-dalam-polisi-insuran\/attachment\/3-192\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-192.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=\"3-192\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-192.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-192.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\/3-192.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan perbezaan utama antara Agreed Value dan Market Value dalam polisi insuran kereta Malaysia.\" class=\"wp-image-54742\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-192.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-192.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-192.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-192.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-192.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=\"Tips_Memilih_Nilai_Yang_Tepat\"><\/span><strong>Tips Memilih Nilai Yang Tepat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Untuk kereta baru atau kereta import: pilih <strong>Agreed Value<\/strong> supaya jumlah tuntutan dijamin.<br><\/li><li>Untuk kereta lama: pilih <strong>Market Value<\/strong> untuk premium lebih rendah, tetapi faham bahawa jumlah tuntutan mungkin lebih kecil.<br><\/li><li>Semak polisi insurans sebelum beli dan tanya ejen tentang risiko yang sanggup anda tanggung.<br><\/li><li>Pertimbangkan susut nilai kereta anda dan berapa banyak anda sanggup bayar sendiri kalau berlaku kerosakan besar.<br><\/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>Memahami perbezaan antara Agreed Value dan Market Value penting sebelum membeli polisi insurans.<\/p>\n\n\n\n<p>Dengan memilih nilai yang tepat, anda boleh lindungi kereta dengan lebih bijak. Bila berlaku kerugian, jumlah bayaran insurans akan selaras dengan keperluan anda. Faham konsep ini juga memberi ketenangan fikiran supaya proses tuntutan tidak membebankan.<\/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-agreed--market-value-dalam-polisi-insuran\" 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\/roadtax-6-bulan-vs-setahun-mana-lebih-berbaloi\">Roadtax 6 Bulan vs Setahun, Mana Lebih Berbaloi?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax-tidak-aktif-dalam-myjpj-punca-solusi\">Roadtax Tidak Aktif Dalam MyJPJ, Punca &amp; Solusi<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/renew-roadtax-kereta-sewa-beli\">Renew Roadtax Kereta Sewa Beli<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ketahui perbezaan antara Agreed Value dan Market Value dalam polisi insuran supaya anda boleh pilih perlindungan yang sesuai untuk kereta anda.<\/p>\n","protected":false},"author":31,"featured_media":54741,"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":[2959,243,2836],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apakah Agreed &amp; Market Value Dalam Polisi Insuran | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Apakah Agreed &amp; Market Value Dalam Polisi Insuran . 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