{"id":56438,"date":"2025-11-21T01:31:13","date_gmt":"2025-11-20T17:31:13","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56438"},"modified":"2025-11-21T01:31:15","modified_gmt":"2025-11-20T17:31:15","slug":"coverage-lapse-selepas-polisi-tamat-apa-berlaku","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/coverage-lapse-selepas-polisi-tamat-apa-berlaku","title":{"rendered":"Coverage Lapse Selepas Polisi Tamat: Apa Berlaku?"},"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-69d778893c375\" 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-69d778893c375\"><\/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\/coverage-lapse-selepas-polisi-tamat-apa-berlaku\/#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\/coverage-lapse-selepas-polisi-tamat-apa-berlaku\/#1_Apa_Itu_Coverage_Lapse\" title=\"1. Apa Itu Coverage Lapse?\">1. Apa Itu Coverage Lapse?<\/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\/coverage-lapse-selepas-polisi-tamat-apa-berlaku\/#2_Kesan_Coverage_Lapse\" title=\"2. Kesan Coverage Lapse\">2. Kesan Coverage Lapse<\/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\/coverage-lapse-selepas-polisi-tamat-apa-berlaku\/#3_Cara_Elak_Coverage_Lapse\" title=\"3. Cara Elak Coverage Lapse\">3. Cara Elak Coverage Lapse<\/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\/coverage-lapse-selepas-polisi-tamat-apa-berlaku\/#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><strong>Coverage Lapse Selepas Polisi Tamat<\/strong> berlaku apabila pemilik kereta gagal renew insurans tepat pada waktunya. Walaupun tiada kemalangan berlaku, tempoh tanpa perlindungan boleh menjejaskan No Claim Discount (NCD), membatalkan perlindungan tambahan, dan meningkatkan risiko kos sendiri jika kemalangan berlaku. Artikel ini terangkan punca biasa, kesan coverage lapse, dan langkah bijak untuk pastikan perlindungan insurans kekal aktif.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Apa_Itu_Coverage_Lapse\"><\/span><strong>1. Apa Itu Coverage Lapse?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Coverage lapse berlaku bila polisi insurans tamat dan tiada renew dilakukan sebelum tarikh akhir.<\/p>\n\n\n\n<ul><li>Tiada perlindungan semasa tempoh gap.<br><\/li><li>Segala kerosakan atau kemalangan yang berlaku dalam tempoh ini tidak akan dilindungi.<br><\/li><li>NCD boleh jatuh satu tahap atau revert ke 0% jika gap melebihi tempoh dibenarkan.<br><\/li><\/ul>\n\n\n\n<p>&nbsp;<strong>Tip BJAK:<\/strong> Set reminder awal supaya renew sebelum polisi tamat dan elak lapse.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Kesan_Coverage_Lapse\"><\/span><strong>2. Kesan Coverage Lapse<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Tiada Perlindungan Kewangan:<\/strong> Segala kerosakan, kemalangan, atau kecurian ditanggung sendiri.<br><\/li><li><strong>NCD Turun:<\/strong> Tanpa gap cover, NCD anda mungkin hilang atau turun, menyebabkan premium seterusnya lebih tinggi.<br><\/li><li><strong>Masalah Tuntutan:<\/strong> Jika berlaku kerosakan semasa lapse, tuntutan tidak sah dan anda terpaksa bayar kos penuh.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Cara_Elak_Coverage_Lapse\"><\/span><strong>3. Cara Elak Coverage Lapse<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Semak tarikh tamat polisi dan roadtax.<br><\/li><li>Renew insurans lebih awal, idealnya 1\u20132 minggu sebelum tamat.<br><\/li><li>Gunakan <strong>BJAK reminder<\/strong> untuk elak terlupa.<br><\/li><li>Pertimbangkan <strong>gap cover<\/strong> jika terlambat renew bagi melindungi NCD dan mengelak lapse.<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=\"56498\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/coverage-lapse-selepas-polisi-tamat-apa-berlaku\/attachment\/3-133-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-133.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=\"3-133\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-133.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-133.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-133.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"nfografik menunjukkan langkah elak coverage lapse termasuk semak tarikh tamat, renew awal, gunakan BJAK reminder, dan pertimbangkan gap cover.\n\" class=\"wp-image-56498\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-133.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-133.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-133.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-133.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-133.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><strong>Coverage Lapse Selepas Polisi Tamat<\/strong> boleh menjejaskan NCD, membatalkan perlindungan, dan meningkatkan kos sendiri jika berlaku kemalangan. Dengan semakan tarikh tamat awal, renew tepat masa, dan menggunakan BJAK reminder atau gap cover, anda boleh pastikan perlindungan sentiasa aktif. Faham cara ini penting supaya kereta anda terus dilindungi tanpa risiko kos tinggi atau hilang NCD.<\/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=coverage-lapse-selepas-polisi-tamat-apa-berlaku\" 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\/roadtax\/roadtax-bukan-insurans-tahu-perbezaan\">Roadtax Bukan Insurans \u2014 Tahu Perbezaan<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/claim-lambat-approve-sebab-paling-biasa\">Claim Lambat Approve? Sebab Paling Biasa<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/add-on-murah-tapi-penting-jangan-terlepas-manfaat-ini\">Add-on Murah Tapi Penting \u2014 Jangan Terlepas Manfaat Ini<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ramai pemilik kereta tidak sedar risiko bila berlaku coverage lapse selepas polisi tamat. Artikel ini terangkan apa yang berlaku dan bagaimana elak kesan negatif pada insurans.<\/p>\n","protected":false},"author":31,"featured_media":56497,"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":[3153,243,3152],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Coverage Lapse Selepas Polisi Tamat: Apa Berlaku? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Coverage Lapse Selepas Polisi Tamat: Apa Berlaku? 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