{"id":55701,"date":"2025-11-12T23:54:00","date_gmt":"2025-11-12T15:54:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=55701"},"modified":"2025-11-12T23:54:02","modified_gmt":"2025-11-12T15:54:02","slug":"impak-banjir-terhadap-kenderaan-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/impak-banjir-terhadap-kenderaan-insurans","title":{"rendered":"Impak Banjir Terhadap Kenderaan &#038; Insurans"},"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-69d7904e9c299\" 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-69d7904e9c299\"><\/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\/impak-banjir-terhadap-kenderaan-insurans\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/impak-banjir-terhadap-kenderaan-insurans\/#1_Kesan_Banjir_Terhadap_Kenderaan\" title=\"1. Kesan Banjir Terhadap Kenderaan\">1. Kesan Banjir Terhadap Kenderaan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/impak-banjir-terhadap-kenderaan-insurans\/#2_Kesan_Terhadap_Insurans\" title=\"2. Kesan Terhadap Insurans\">2. Kesan Terhadap Insurans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/impak-banjir-terhadap-kenderaan-insurans\/#3_Kesan_Terhadap_Roadtax\" title=\"3. Kesan Terhadap Roadtax\">3. Kesan Terhadap Roadtax<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/impak-banjir-terhadap-kenderaan-insurans\/#4_Tips_Pencegahan_Tindakan_Selepas_Banjir\" title=\"4. Tips Pencegahan &amp; Tindakan Selepas Banjir\">4. Tips Pencegahan &amp; Tindakan Selepas Banjir<\/a><\/li><\/ul><\/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\/impak-banjir-terhadap-kenderaan-insurans\/#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>Musim monsun di Malaysia sering membawa risiko banjir yang memberi <strong>impak banjir terhadap kenderaan<\/strong> secara langsung. Selain kerosakan fizikal, banjir juga boleh menjejaskan keabsahan insurans dan roadtax jika tidak ditangani dengan betul. Ramai pemandu tidak sedar bahawa kenderaan terjejas banjir memerlukan laporan insurans segera dan dokumentasi lengkap supaya tuntutan diterima.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"1_Kesan_Banjir_Terhadap_Kenderaan\"><\/span><strong>1. Kesan Banjir Terhadap Kenderaan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p><strong><br><\/strong> Banjir boleh merosakkan pelbagai komponen kereta, termasuk:<\/p>\n\n\n\n<ul><li><strong>Enjin dan transmisi<\/strong> akibat air masuk.<br><\/li><li><strong>Sistem elektrik dan elektronik<\/strong> seperti ECU, lampu, dan sensor.<br><\/li><li><strong>Bahagian dalaman<\/strong> termasuk upholsteri dan carpet.<br><\/li><\/ul>\n\n\n\n<p>Kereta yang rosak akibat banjir tanpa perlindungan tambahan mungkin memerlukan kos pembaikan tinggi, malah boleh dianggap <strong>total loss<\/strong> oleh sesetengah insurans.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"2_Kesan_Terhadap_Insurans\"><\/span><strong>2. Kesan Terhadap Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul><li><strong>Insurans komprehensif<\/strong> biasanya melindungi kerosakan akibat banjir, tetapi memerlukan laporan segera dan pemeriksaan oleh bengkel panel.<br><\/li><li><strong>Pelan kos rendah<\/strong> atau pihak ketiga <strong>tidak menanggung kerosakan sendiri<\/strong>, jadi pemandu perlu menanggung semua kos.<br><\/li><li><strong>Add-on BJAK seperti Warranty atau Key Care<\/strong> tidak menanggung kerosakan akibat banjir \u2014 penting untuk faham polisi sebelum membuat tuntutan.<br><\/li><\/ul>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"3_Kesan_Terhadap_Roadtax\"><\/span><strong>3. Kesan Terhadap Roadtax<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul><li>Roadtax tetap sah <strong>selagi insurans masih aktif<\/strong>.<br><\/li><li>Sekiranya insurans tamat akibat kerosakan atau kereta hilang, roadtax digital atau fizikal mungkin <strong>tidak sah lagi<\/strong>.<br><\/li><li>BJAK memudahkan semakan dan pembaharuan segera supaya roadtax kekal aktif walaupun selepas kereta rosak akibat banjir.<br><\/li><\/ul>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"4_Tips_Pencegahan_Tindakan_Selepas_Banjir\"><\/span><strong>4. Tips Pencegahan &amp; Tindakan Selepas Banjir<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul><li>Elakkan memandu dalam kawasan banjir untuk kurangkan risiko kerosakan.<br><\/li><li>Segera laporkan kerosakan kepada pihak insurans dan BJAK untuk tuntutan.<br><\/li><li>Pastikan semua dokumen insurans dan roadtax terkini.<br><\/li><li>Gunakan bengkel panel yang diiktiraf untuk memastikan tuntutan diterima.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"55763\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/impak-banjir-terhadap-kenderaan-insurans\/attachment\/3-74-3\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-74.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=\"3-74\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-74.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-74.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\/11\/3-74.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan kesan banjir terhadap kereta, insurans, dan roadtax serta langkah pencegahan supaya pemandu dapat membuat tindakan cepat dan tepat.\n\" class=\"wp-image-55763\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-74.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-74.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-74.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-74.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-74.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>Banjir boleh memberi <strong>impak banjir terhadap kenderaan<\/strong> serta insurans dan roadtax, tetapi dengan tindakan awal dan polisi yang tepat, pemandu boleh melindungi kenderaan daripada kerugian besar. BJAK memudahkan proses tuntutan dan pembaharuan roadtax supaya anda tetap sah dan selamat di jalan raya walaupun selepas kereta terjejas banjir.<\/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=impak-banjir-terhadap-kenderaan--insurans\" 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\/insurans-kereta\/banjir-tahun-lepas-jadi-pengajaran-tahun-ini\">Banjir Tahun Lepas \u2013 Jadi Pengajaran Tahun Ini<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/situasi-memerlukan-perlindungan-tambahan\">Situasi Memerlukan Perlindungan Tambahan<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-paling-fleksibel-2025\">Insurans Paling Fleksibel 2025<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Banjir boleh menjejaskan kereta, insurans, dan roadtax dengan cara yang ramai pemandu Malaysia tidak sedar. Artikel ini menjelaskan kesan, cara tuntutan, dan langkah pencegahan supaya kereta anda tetap dilindungi.<\/p>\n","protected":false},"author":31,"featured_media":55764,"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":[725,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Impak Banjir Terhadap Kenderaan &amp; Insurans | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Impak Banjir Terhadap Kenderaan &amp; Insurans . 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