{"id":55816,"date":"2025-11-13T23:30:54","date_gmt":"2025-11-13T15:30:54","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=55816"},"modified":"2025-11-13T23:30:56","modified_gmt":"2025-11-13T15:30:56","slug":"kenaikan-tuntutan-insurans-kereta-risiko-premium-tinggi","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kenaikan-tuntutan-insurans-kereta-risiko-premium-tinggi","title":{"rendered":"Kenaikan Tuntutan Insurans Kereta &#038; Risiko Premium Tinggi"},"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-69e0dcaad10be\" 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-69e0dcaad10be\"><\/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\/kenaikan-tuntutan-insurans-kereta-risiko-premium-tinggi\/#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\/kenaikan-tuntutan-insurans-kereta-risiko-premium-tinggi\/#1_Apa_Maksud_Kenaikan_Tuntutan_Insurans_Kereta\" title=\"1. Apa Maksud Kenaikan Tuntutan Insurans Kereta\">1. Apa Maksud Kenaikan Tuntutan 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\/kenaikan-tuntutan-insurans-kereta-risiko-premium-tinggi\/#2_Punca_Utama_Premium_Naik_Pada_2025\" title=\"2. Punca Utama Premium Naik Pada 2025\">2. Punca Utama Premium Naik Pada 2025<\/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\/kenaikan-tuntutan-insurans-kereta-risiko-premium-tinggi\/#3_Kesan_Kenaikan_Premium_Kepada_Pemandu\" title=\"3. Kesan Kenaikan Premium Kepada Pemandu\">3. Kesan Kenaikan Premium Kepada Pemandu<\/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\/kenaikan-tuntutan-insurans-kereta-risiko-premium-tinggi\/#4_Cara_Menjimatkan_Premium_Insurans_Kereta_2025\" title=\"4. Cara Menjimatkan Premium Insurans Kereta 2025\">4. Cara Menjimatkan Premium Insurans Kereta 2025<\/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\/kenaikan-tuntutan-insurans-kereta-risiko-premium-tinggi\/#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>Kenaikan tuntutan insurans kereta kini menjadi isu utama di Malaysia. Ramai pemandu terkejut apabila premium tahunan mereka meningkat walaupun tidak pernah membuat tuntutan. Fenomena ini berlaku kerana jumlah keseluruhan tuntutan di pasaran \u2014 termasuk kemalangan, banjir, dan penipuan \u2014 mempengaruhi cara syarikat insurans menetapkan harga pelan.<\/p>\n\n\n\n<p>Dalam artikel ini, kita akan faham bagaimana <strong>kenaikan tuntutan insurans kereta<\/strong> boleh menaikkan kadar premium, faktor yang menyumbang kepada kenaikan ini, serta langkah mudah untuk jimat semasa memperbaharui insurans anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Apa_Maksud_Kenaikan_Tuntutan_Insurans_Kereta\"><\/span><strong>1. Apa Maksud Kenaikan Tuntutan Insurans Kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tuntutan insurans kereta bermaksud permohonan pampasan selepas kenderaan rosak atau terlibat dalam kemalangan. Bila jumlah tuntutan meningkat secara mendadak, syarikat insurans menilai semula risiko pasaran \u2014 dan hasilnya, premium untuk semua pemandu boleh naik, bukan hanya mereka yang buat tuntutan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Punca_Utama_Premium_Naik_Pada_2025\"><\/span><strong>2. Punca Utama Premium Naik Pada 2025<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Beberapa faktor utama menyebabkan kenaikan kadar insurans kereta tahun ini:<\/p>\n\n\n\n<ul><li><strong>Kos alat ganti dan buruh meningkat<\/strong> \u2014 harga komponen dan upah bengkel naik setiap tahun.<br><\/li><li><strong>Kerosakan akibat banjir<\/strong> \u2014 semakin banyak kes tuntutan total loss selepas banjir besar.<br><\/li><li><strong>Penipuan tuntutan (fraud)<\/strong> \u2014 kes tuntutan palsu masih menjejaskan keseluruhan pasaran.<br><\/li><li><strong>Kadar kemalangan jalan raya tinggi<\/strong> \u2014 lebih banyak kes, lebih besar risiko bagi penanggung insurans.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Kesan_Kenaikan_Premium_Kepada_Pemandu\"><\/span><strong>3. Kesan Kenaikan Premium Kepada Pemandu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Apabila premium naik, ramai pemilik kereta cenderung memilih pelan paling murah tanpa menilai perlindungan sebenar. Ini boleh menyebabkan masalah bila berlaku kemalangan. Gunakan platform seperti <strong>BJAK<\/strong> untuk banding harga, semak NCD, dan pilih pelan perlindungan sesuai tanpa bayar lebih.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Cara_Menjimatkan_Premium_Insurans_Kereta_2025\"><\/span><strong>4. Cara Menjimatkan Premium Insurans Kereta 2025<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Antara cara mudah untuk kekal jimat:<\/p>\n\n\n\n<ul><li>Kekalkan <strong>NCD<\/strong> tanpa buat tuntutan kecil.<br><\/li><li>Pilih pelan asas tanpa add-on berlebihan.<br><\/li><li>Bandingkan pelbagai syarikat melalui <strong>BJAK<\/strong> sebelum renew.<br><\/li><li>Tambah add-on seperti VIP Rescue atau Key Care hanya bila benar perlu.<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=\"55879\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenaikan-tuntutan-insurans-kereta-risiko-premium-tinggi\/attachment\/3-81-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-81.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=\"3-81\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-81.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-81.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\/11\/3-81.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan punca kenaikan premium insurans kereta dan tips bijak menjimatkan kos pada 2025, termasuk faktor tuntutan tinggi, kos alat ganti, dan langkah penjimatan.\" class=\"wp-image-55879\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-81.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-81.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-81.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-81.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-81.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>Secara ringkas, <strong>kenaikan tuntutan insurans kereta<\/strong> memberi kesan langsung kepada harga premium semua pemandu, bukan hanya yang membuat tuntutan. Dengan memahami punca utama dan menggunakan platform seperti <strong>BJAK<\/strong> untuk banding pelan sebelum renew, anda boleh kekal dilindungi tanpa perlu bayar premium yang melambung tinggi.<\/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=kenaikan-tuntutan-insurans-kereta--risiko-premium-tinggi\" 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\/kenaikan-premium-insurans-kereta-punca-cara-jimat\">Kenaikan Premium Insurans Kereta: Punca &amp; Cara Jimat<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/pemilik-tanpa-lesen-daftar-myjpj\">Pemilik Tanpa Lesen Daftar MyJPJ<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kenderaan-elektrik-ev-add-on-perlindungan-terkini\">Insurans Kenderaan Elektrik (EV): Add-On &amp; Perlindungan Terkini<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kenaikan tuntutan insurans kereta di Malaysia semakin ketara pada 2025. Fahami sebab utama premium meningkat dan cara elak bayaran tinggi semasa renew insurans.<\/p>\n","protected":false},"author":31,"featured_media":55878,"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":[243,3105],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kenaikan Tuntutan Insurans Kereta &amp; Risiko Premium Tinggi | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Kenaikan Tuntutan Insurans Kereta &amp; Risiko Premium Tinggi . 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