{"id":55944,"date":"2025-11-15T00:17:11","date_gmt":"2025-11-14T16:17:11","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=55944"},"modified":"2025-11-15T00:17:13","modified_gmt":"2025-11-14T16:17:13","slug":"cara-jimat-insurans-jika-anda-pemandu-tanpa-kemalangan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-jimat-insurans-jika-anda-pemandu-tanpa-kemalangan","title":{"rendered":"Cara Jimat Insurans Jika Anda Pemandu Tanpa Kemalangan"},"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-69d77617d343b\" 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-69d77617d343b\"><\/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\/cara-jimat-insurans-jika-anda-pemandu-tanpa-kemalangan\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-jimat-insurans-jika-anda-pemandu-tanpa-kemalangan\/#1_Maksimakan_NCD_Anda\" title=\"1. Maksimakan NCD Anda\">1. Maksimakan NCD Anda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-jimat-insurans-jika-anda-pemandu-tanpa-kemalangan\/#2_Pilih_Polisi_Sesuai_Dengan_Keperluan\" title=\"2. Pilih Polisi Sesuai Dengan Keperluan\">2. Pilih Polisi Sesuai Dengan Keperluan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-jimat-insurans-jika-anda-pemandu-tanpa-kemalangan\/#3_Gunakan_Add-On_Strategik\" title=\"3. Gunakan Add-On Strategik\">3. Gunakan Add-On Strategik<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-jimat-insurans-jika-anda-pemandu-tanpa-kemalangan\/#4_Tips_Jimat_Lain\" title=\"4. Tips Jimat Lain\">4. Tips Jimat Lain<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-jimat-insurans-jika-anda-pemandu-tanpa-kemalangan\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/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>Jika anda seorang pemandu yang <strong>tiada rekod kemalangan<\/strong>, anda berhak mendapat <strong>diskaun premium<\/strong> melalui <strong>No Claim Discount (NCD)<\/strong>. Artikel ini membincangkan <strong>cara jimat insurans kereta tanpa kemalangan<\/strong>, termasuk strategi memilih polisi, add-on berbaloi, dan bagaimana BJAK boleh memudahkan semakan serta pembaharuan insurans dan roadtax anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Maksimakan_NCD_Anda\"><\/span><strong>1. Maksimakan NCD Anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Pastikan tiada jurang dalam pembaharuan tahunan, kerana <strong>NCD akan turun satu tahap<\/strong> jika polisi tamat tempoh.<br><\/li><li>Transfer NCD hanya boleh dilakukan <strong>di bawah NRIC sendiri<\/strong> dan untuk <strong>kelas kenderaan yang sama<\/strong> jika tukar kereta.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Pilih_Polisi_Sesuai_Dengan_Keperluan\"><\/span><strong>2. Pilih Polisi Sesuai Dengan Keperluan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Komprehensif:<\/strong> Memberi perlindungan maksimum termasuk kecurian, kemalangan, dan pihak ketiga.<br><\/li><li><strong>Third-Party Only:<\/strong> Sesuai jika kereta lama atau bajet rendah, tapi kurang perlindungan.<br><\/li><li>BJAK membolehkan anda <strong>banding polisi dengan cepat<\/strong> dan pilih yang paling sesuai dengan sejarah pemanduan anda.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Gunakan_Add-On_Strategik\"><\/span><strong>3. Gunakan Add-On Strategik<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>VIP Rescue:<\/strong> Untuk bantuan tunda satu kali dalam kawasan BJAK, tanpa kos tambahan.<br><\/li><li><strong>Key Care:<\/strong> Reimburse kos gantian kunci hilang atau rosak.<br><\/li><li><strong>Warranty:<\/strong> Lindungi enjin dan transmisi untuk kereta sehingga 15 tahun.<br><\/li><\/ul>\n\n\n\n<p>Ini membantu mengelak kos tuntutan besar yang boleh mengurangkan NCD anda pada masa depan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Tips_Jimat_Lain\"><\/span><strong>4. Tips Jimat Lain<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Gabungkan Roadtax &amp; Insurans:<\/strong> Dengan BJAK, pembaharuan serentak memudahkan dan kadang-kadang lebih murah.<br><\/li><li><strong>Semak Polisi Secara Online:<\/strong> Elak caj tersembunyi atau kesilapan manual.<br><\/li><li><strong>Elakkan Tambahan Premium Tidak Perlu:<\/strong> Hanya pilih add-on yang relevan untuk kereta dan gaya pemanduan anda.<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=\"56005\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-jimat-insurans-jika-anda-pemandu-tanpa-kemalangan\/attachment\/3-93-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-93.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=\"3-93\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-93.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-93.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\/3-93.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan empat cara pemandu tanpa kemalangan boleh jimat insurans termasuk maksimakan NCD, pilih polisi sesuai, tambah add-on strategik, dan gabungkan roadtax &amp; insurans.\n\" class=\"wp-image-56005\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-93.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-93.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-93.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-93.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-93.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<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pemandu tanpa rekod kemalangan berpotensi menjimatkan banyak kos jika tahu <strong>cara jimat insurans kereta<\/strong> dengan strategi yang betul. BJAK memudahkan semakan, perbandingan polisi, pembaharuan roadtax digital, dan penggunaan add-on yang berbaloi \u2014 memastikan kereta anda dilindungi sepenuhnya tanpa membazirkan wang.<\/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=cara-jimat-insurans-jika-anda-pemandu-tanpa-kemalangan\" 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\/perbezaan-insurans-tempatan-antarabangsa-kereta\">Perbezaan Insurans Tempatan &amp; Antarabangsa Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perbezaan-roadtax-polisi-insurans-kereta\">Perbezaan Roadtax &amp; Polisi Insurans Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax\/peralihan-ke-roadtax-digital-di-malaysia\">Peralihan ke Roadtax Digital di Malaysia<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Panduan lengkap untuk pemandu tanpa rekod kemalangan bagi menjimatkan kos insurans kereta, termasuk tips memilih polisi BJAK yang terbaik<\/p>\n","protected":false},"author":31,"featured_media":56004,"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":[3114,2649],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cara Jimat Insurans Jika Anda Pemandu Tanpa Kemalangan | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Cara Jimat Insurans Jika Anda Pemandu Tanpa Kemalangan . 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