{"id":56209,"date":"2025-11-18T22:52:49","date_gmt":"2025-11-18T14:52:49","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56209"},"modified":"2025-11-18T22:52:52","modified_gmt":"2025-11-18T14:52:52","slug":"bagaimana-usia-kereta-mempengaruhi-kadar-premium","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-usia-kereta-mempengaruhi-kadar-premium","title":{"rendered":"Bagaimana Usia Kereta Mempengaruhi Kadar Premium"},"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-6a0d33544b9e1\" 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-6a0d33544b9e1\"><\/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\/bagaimana-usia-kereta-mempengaruhi-kadar-premium\/#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\/bagaimana-usia-kereta-mempengaruhi-kadar-premium\/#1_Faktor_Umur_Kereta_dan_Premium\" title=\"1. Faktor Umur Kereta dan Premium\">1. Faktor Umur Kereta dan Premium<\/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\/bagaimana-usia-kereta-mempengaruhi-kadar-premium\/#2_Risiko_Tertentu_Berdasarkan_Usia_Kereta\" title=\"2. Risiko Tertentu Berdasarkan Usia Kereta\">2. Risiko Tertentu Berdasarkan Usia Kereta<\/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\/bagaimana-usia-kereta-mempengaruhi-kadar-premium\/#3_Tips_Bijak_Urus_Premium_Untuk_Kereta_Lama\" title=\"3. Tips Bijak Urus Premium Untuk Kereta Lama\">3. Tips Bijak Urus Premium Untuk Kereta Lama<\/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\/bagaimana-usia-kereta-mempengaruhi-kadar-premium\/#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>Semakin lama usia kereta, semakin tinggi risiko kerosakan atau kerugian, dan ini memberi kesan langsung kepada premium insurans. Artikel ini fokus pada <strong>bagaimana usia kereta mempengaruhi kadar premium<\/strong>, membincangkan faktor yang diambil kira oleh syarikat insurans, dan memberi tips supaya pemandu boleh jimat kos tanpa mengorbankan perlindungan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Faktor_Umur_Kereta_dan_Premium\"><\/span><strong>1. Faktor Umur Kereta dan Premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Kereta baru biasanya mendapat premium lebih rendah kerana risiko kerosakan lebih rendah.<br><\/li><li>Usia 5\u201310 tahun cenderung ada premium sederhana, bergantung kepada jenis perlindungan dan sejarah NCD.<br><\/li><li>Kereta lebih dari 10 tahun biasanya premium lebih tinggi, terutamanya untuk polisi komprehensif.<br><\/li><\/ul>\n\n\n\n<p><strong>Nota:<\/strong> Beberapa syarikat insurans mempunyai had umur kereta untuk menawarkan komprehensif penuh.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Risiko_Tertentu_Berdasarkan_Usia_Kereta\"><\/span><strong>2. Risiko Tertentu Berdasarkan Usia Kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Kerosakan mekanikal lebih kerap:<\/strong> kereta lama lebih mudah rosak, menyebabkan tuntutan lebih tinggi.<br><\/li><li><strong>Tiada spare parts tertentu:<\/strong> sesetengah kereta import lama memerlukan kos repair tinggi.<br><\/li><li><strong>Nilai pasaran lebih rendah:<\/strong> insurans menilai kerugian berdasarkan harga kereta, jadi kereta lama boleh terdedah kepada under-insurance.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Tips_Bijak_Urus_Premium_Untuk_Kereta_Lama\"><\/span><strong>3. Tips Bijak Urus Premium Untuk Kereta Lama<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Pertimbangkan polisi <strong>third-party atau komprehensif dengan had<\/strong> untuk jimat kos.<br><\/li><li>Kekalkan <strong>NCD<\/strong> secara konsisten supaya potongan premium maksimum diperoleh.<br><\/li><li>Semak add-ons BJAK yang sesuai: VIP Rescue atau Warranty boleh membantu kurangkan risiko tambahan.<br><\/li><li>Bandingkan harga premium daripada pelbagai syarikat insurans untuk kereta berusia sama.<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=\"56261\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-usia-kereta-mempengaruhi-kadar-premium\/attachment\/3-120-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-120.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=\"3-120\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-120.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-120.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\/3-120.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan bagaimana usia kereta mempengaruhi kadar premium, termasuk risiko kerosakan, nilai pasaran, dan tips jimat kos insurans untuk kereta lama.\" class=\"wp-image-56261\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-120.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-120.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-120.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-120.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-120.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>Memahami <strong>bagaimana usia kereta mempengaruhi kadar premium<\/strong> membolehkan pemandu buat keputusan bijak ketika membeli atau renew insurans. Dengan menilai risiko, kekalkan NCD, pilih polisi yang sesuai, dan semak add-ons melalui BJAK, anda boleh pastikan perlindungan optimum tanpa membazirkan kos.<\/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=bagaimana-usia-kereta-mempengaruhi-kadar-premium\" 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\/kenapa-cart-hanya-di-komprehensif\">Kenapa CART Hanya di Komprehensif?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/elak-polisi-lapse-semasa-anda-berada-di-luar-negara\">Elak Polisi Lapse Semasa Anda Berada di Luar Negara<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-yang-tidak-dilindungi-roadside-assistance\">Apa Yang Tidak Dilindungi \u2014Roadside Assistance<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Usia kereta memainkan peranan penting dalam menentukan premium insurans. Artikel ini terangkan bagaimana usia kereta mempengaruhi kadar premium supaya pemandu dapat membuat pilihan bijak semasa membeli atau renew insurans.<\/p>\n","protected":false},"author":31,"featured_media":56260,"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":[2762,172,3141],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bagaimana Usia Kereta Mempengaruhi Kadar Premium | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Bagaimana Usia Kereta Mempengaruhi Kadar Premium Bersama Faktor Risiko &amp; Tips Jimat Kos Insurans Kereta!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-usia-kereta-mempengaruhi-kadar-premium\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bagaimana Usia Kereta Mempengaruhi Kadar Premium | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Bagaimana Usia Kereta Mempengaruhi Kadar Premium Bersama Faktor Risiko &amp; Tips Jimat Kos Insurans Kereta!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-usia-kereta-mempengaruhi-kadar-premium\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-18T14:52:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-18T14:52:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/1-119.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"BJAK Content Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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