{"id":56075,"date":"2025-11-15T19:02:30","date_gmt":"2025-11-15T11:02:30","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56075"},"modified":"2025-11-15T19:02:32","modified_gmt":"2025-11-15T11:02:32","slug":"fahami-excess-deductibles-dalam-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-excess-deductibles-dalam-insurans-kereta","title":{"rendered":"Fahami Excess &#038; Deductibles Dalam Insurans Kereta"},"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-6a248e6be044b\" 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-6a248e6be044b\"><\/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\/fahami-excess-deductibles-dalam-insurans-kereta\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/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\/fahami-excess-deductibles-dalam-insurans-kereta\/#1_Apa_Itu_Excess\" title=\"1. Apa Itu Excess\">1. Apa Itu 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\/fahami-excess-deductibles-dalam-insurans-kereta\/#2_Apa_Itu_Deductibles\" title=\"2. Apa Itu Deductibles\">2. Apa Itu Deductibles<\/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\/fahami-excess-deductibles-dalam-insurans-kereta\/#3_Perbezaan_Excess_dan_Deductibles\" title=\"3. Perbezaan Excess dan Deductibles\">3. Perbezaan Excess dan Deductibles<\/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\/fahami-excess-deductibles-dalam-insurans-kereta\/#4_Tip_Bijak_Untuk_Pemandu\" title=\"4. Tip Bijak Untuk Pemandu\">4. Tip Bijak Untuk Pemandu<\/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\/fahami-excess-deductibles-dalam-insurans-kereta\/#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>Excess dan deductibles adalah istilah biasa dalam insurans kereta, tetapi ramai yang <strong>keliru maksud sebenar dan impaknya pada kos claim<\/strong>. Memahami konsep ini penting supaya anda tidak terkejut dengan bayaran tambahan apabila membuat tuntutan. Artikel ini akan terangkan <strong>untuk fahami excess &amp; deductibles<\/strong>, perbezaannya, dan tip untuk mengurangkan kos semasa claim.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Apa_Itu_Excess\"><\/span><strong>1. Apa Itu Excess<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Excess ialah <strong>jumlah tetap yang perlu dibayar oleh pemegang polisi<\/strong> apabila membuat claim.<br><\/li><li>Contoh: Jika excess RM300 dan kerosakan RM1,500, anda bayar RM300 dan insurer bayar baki RM1,200.<br><\/li><li>Excess boleh <strong>standard atau voluntary<\/strong>:<br><ul><li><strong>Standard<\/strong>: ditetapkan oleh insurer.<br><\/li><li><strong>Voluntary<\/strong>: anda pilih lebih tinggi untuk kurangkan premium.<br><\/li><\/ul><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Apa_Itu_Deductibles\"><\/span><strong>2. Apa Itu Deductibles<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Deductibles adalah <strong>jumlah maksimum yang ditanggung oleh pemegang polisi sebelum insurer bayar<\/strong>.<br><\/li><li>Biasanya digunakan untuk <strong>claim tertentu atau add-on<\/strong>, dan kadang-kadang berkadar dengan jenis kerosakan.<br><\/li><li>Deductibles boleh <strong>berbeza antara syarikat insurans<\/strong>.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Perbezaan_Excess_dan_Deductibles\"><\/span><strong>3. Perbezaan Excess dan Deductibles<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-vivid-cyan-blue-to-vivid-purple-gradient-background has-background\"><tbody><tr><td><strong>Faktor<\/strong><\/td><td><strong>Excess<\/strong><\/td><td><strong>Deductibles<\/strong><\/td><\/tr><tr><td>Bayaran Pemegang Polisi<\/td><td>Tetap, pilihan standard\/voluntary<\/td><td>Maksimum sebelum insurer bayar<\/td><\/tr><tr><td>Kaitan Premium<\/td><td>Pilihan voluntary boleh turunkan premium<\/td><td>Bergantung pada jenis claim\/add-on<\/td><\/tr><tr><td>Contoh<\/td><td>RM300 untuk kerosakan<\/td><td>Deductible RM500 untuk kaca\/bateri<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Tip_Bijak_Untuk_Pemandu\"><\/span><strong>4. Tip Bijak Untuk Pemandu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Pilih <strong>excess voluntary yang sesuai<\/strong> dengan bajet anda.<br><\/li><li>Semak polisi BJAK untuk <strong>deductibles pada add-on<\/strong> seperti glass cover atau key care.<br><\/li><li>Fahami <strong>jumlah excess untuk setiap claim<\/strong> supaya tidak terkejut.<br><\/li><li>Gunakan <strong>bengkel panel<\/strong> supaya tiada caj tambahan yang tidak dijangka.<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=\"56138\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-excess-deductibles-dalam-insurans-kereta\/attachment\/3-106-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-106.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" 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=\"3-106\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-106.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-106.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\/3-106.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan perbezaan excess dan deductibles, termasuk contoh bayaran, pilihan voluntary, dan kesan pada premium serta claim.\n\" class=\"wp-image-56138\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-106.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-106.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-106.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-106.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-106.jpg?w=1708&amp;ssl=1 1708w\" 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>Fahami <strong>excess &amp; deductibles<\/strong> membantu pemandu BJAK membuat keputusan bijak semasa membeli insurans dan menuntut claim. Dengan mengetahui perbezaan dan jumlah bayaran, anda boleh elak kos tambahan dan nikmati perlindungan insurans dengan lebih efisien.<\/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=fahami-excess--deductibles-dalam-insurans-kereta\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca Juga:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/takaful-kereta\/perbezaan-takaful-dan-insurans-konvensional-bjak\">Perbezaan Takaful dan Insurans Konvensional BJAK<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-pandu-tanpa-insurans-roadtax-sah-denda-implikasi\">Risiko Pandu Tanpa Insurans \/ Roadtax Sah: Denda &amp; Implikasi<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/motor-takaful\/difference-between-takaful-conventional-insurance\">Difference Between Takaful &amp; Conventional Insurance<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Excess dan deductibles sering keliru oleh pemandu. Artikel ini terangkan perbezaan, cara pengiraan, dan tip bijak elak kos tambahan semasa claim.<\/p>\n","protected":false},"author":31,"featured_media":56137,"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":[3129,2429,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fahami Excess &amp; Deductibles Dalam Insurans Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Fahami Excess &amp; Deductibles Dalam Insurans Kereta . 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