{"id":56084,"date":"2025-11-15T19:04:20","date_gmt":"2025-11-15T11:04:20","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56084"},"modified":"2025-11-15T19:04:23","modified_gmt":"2025-11-15T11:04:23","slug":"risiko-modifikasi-kereta-terhadap-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-modifikasi-kereta-terhadap-insurans","title":{"rendered":"Risiko Modifikasi Kereta Terhadap 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-69e13861ef6e6\" 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-69e13861ef6e6\"><\/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\/risiko-modifikasi-kereta-terhadap-insurans\/#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\/risiko-modifikasi-kereta-terhadap-insurans\/#1_Bagaimana_Modifikasi_Menjejaskan_Insurans\" title=\"1. Bagaimana Modifikasi Menjejaskan Insurans\">1. Bagaimana Modifikasi Menjejaskan Insurans<\/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\/risiko-modifikasi-kereta-terhadap-insurans\/#2_Jenis_Modifikasi_Berisiko_Tinggi\" title=\"2. Jenis Modifikasi Berisiko Tinggi\">2. Jenis Modifikasi Berisiko Tinggi<\/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\/risiko-modifikasi-kereta-terhadap-insurans\/#3_Tip_Bijak_Untuk_Pemandu\" title=\"3. Tip Bijak Untuk Pemandu\">3. 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-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-modifikasi-kereta-terhadap-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>Ramai pemilik kereta gemar membuat <strong>modifikasi<\/strong> seperti bodykit, rim besar, lampu LED atau enjin turbo. Walaupun ia boleh meningkatkan penampilan dan prestasi, modifikasi juga boleh menjejaskan <strong>perlindungan insurans<\/strong>. Artikel ini akan jelaskan <strong>risiko modifikasi kereta terhadap insurans<\/strong>, kesan pada premium, claim, dan tip untuk memastikan polisi anda masih sah.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Bagaimana_Modifikasi_Menjejaskan_Insurans\"><\/span><strong>1. Bagaimana Modifikasi Menjejaskan Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>Premium Lebih Tinggi:<\/strong> Modifikasi meningkatkan risiko, jadi insurer mungkin kenakan premium tambahan.<br><\/li><li><strong>Claim Ditolak:<\/strong> Jika tidak declare modifikasi, claim boleh ditolak sepenuhnya.<br><\/li><li><strong>Limit Cover Add-On:<\/strong> Sesetengah add-on BJAK mungkin tidak cover bahagian diubah suai.<br><\/li><li><strong>Total Loss:<\/strong> Nilai kereta selepas kemalangan mungkin dikira <strong>tanpa ambil kira modifikasi<\/strong>, menyebabkan kerugian.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Jenis_Modifikasi_Berisiko_Tinggi\"><\/span><strong>2. Jenis Modifikasi Berisiko Tinggi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Modifikasi enjin atau turbo.<br><\/li><li>Bodykit dan lampu aftermarket yang tidak standard.<br><\/li><li>Rim atau tayar oversized.<br><\/li><li>Audio atau aksesori mahal yang tidak dinyatakan dalam polisi.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Tip_Bijak_Untuk_Pemandu\"><\/span><strong>3. Tip Bijak Untuk Pemandu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li><strong>Declare Semua Modifikasi<\/strong> kepada syarikat insurans BJAK.<br><\/li><li><strong>Semak Add-On<\/strong> untuk pastikan bahagian modifikasi termasuk coverage.<br><\/li><li><strong>Simpan Resit &amp; Dokumentasi<\/strong> semua ubah suai untuk claim mudah.<br><\/li><li><strong>Rujuk Panel Bengkel BJAK<\/strong> untuk modifikasi yang sah dan standard.<br><\/li><li>Elak ubah suai ekstrem yang boleh menjejaskan keselamatan atau status polisi.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"56147\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-modifikasi-kereta-terhadap-insurans\/attachment\/3-109-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-109.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=\"3-109\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-109.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-109.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\/3-109.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan risiko modifikasi kereta termasuk premium lebih tinggi, claim ditolak, limit add-on, dan tip bijak untuk pemandu.\n\" class=\"wp-image-56147\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-109.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-109.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-109.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-109.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-109.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>Modifikasi kereta memang menarik, tetapi pemandu BJAK harus faham <strong>risiko terhadap insurans<\/strong>. Dengan declare semua ubah suai, semak add-on, dan ikut tip bijak, anda boleh menikmati kereta unik tanpa menjejaskan perlindungan insurans atau menghadapi masalah semasa claim.<\/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=risiko-modifikasi-kereta-terhadap-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\/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\/cara-jimat-insurans-jika-anda-pemandu-tanpa-kemalangan\">Cara Jimat Insurans Jika Anda Pemandu Tanpa Kemalangan<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/skim-penipuan-insurans-kereta-paling-biasa-di-malaysia\">Skim Penipuan Insurans Kereta Paling Biasa di Malaysia<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Modifikasi kereta boleh nampak menarik, tetapi ia juga memberi risiko kepada polisi insurans. Panduan ini terangkan apa yang perlu anda tahu sebelum ubah suai kereta.<\/p>\n","protected":false},"author":31,"featured_media":56146,"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":[243,2963,255],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Risiko Modifikasi Kereta Terhadap Insurans | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Risiko Modifikasi Kereta Terhadap Insurans . 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