{"id":56456,"date":"2025-11-21T01:32:10","date_gmt":"2025-11-20T17:32:10","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56456"},"modified":"2025-11-21T01:32:12","modified_gmt":"2025-11-20T17:32:12","slug":"jimat-premium-tahu-risiko-dulu","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/jimat-premium-tahu-risiko-dulu","title":{"rendered":"Jimat Premium? Tahu Risiko Dulu"},"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-69d7a7a8bbcde\" 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-69d7a7a8bbcde\"><\/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\/jimat-premium-tahu-risiko-dulu\/#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\/jimat-premium-tahu-risiko-dulu\/#1_Underinsured_Boleh_Jadi_Masalah_Besar\" title=\"1. Underinsured Boleh Jadi Masalah Besar\">1. Underinsured Boleh Jadi Masalah Besar<\/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\/jimat-premium-tahu-risiko-dulu\/#2_Add-on_Penting_Tidak_Termasuk\" title=\"2. Add-on Penting Tidak Termasuk\">2. Add-on Penting Tidak Termasuk<\/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\/jimat-premium-tahu-risiko-dulu\/#3_Kualiti_Bengkel_Panel_Repair\" title=\"3. Kualiti Bengkel &amp; Panel Repair\">3. Kualiti Bengkel &amp; Panel Repair<\/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\/jimat-premium-tahu-risiko-dulu\/#4_NCD_Tidak_Dijaga_Dengan_Betul\" title=\"4. NCD Tidak Dijaga Dengan Betul\">4. NCD Tidak Dijaga Dengan Betul<\/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\/jimat-premium-tahu-risiko-dulu\/#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><strong>Jimat Premium Insurans<\/strong> memang menarik, tetapi ia bukan selalu bermakna kos rendah lebih menguntungkan. Ramai pemandu Malaysia terlepas pandang bahawa premium rendah boleh menyebabkan underinsured, yang akhirnya akan membebankan jika berlaku kerosakan atau kemalangan. Artikel ini terangkan risiko utama dan cara bijak pilih polisi supaya anda tetap dilindungi.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Underinsured_Boleh_Jadi_Masalah_Besar\"><\/span><strong>1. Underinsured Boleh Jadi Masalah Besar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Premium rendah \u2192 mungkin limit perlindungan lebih rendah daripada nilai sebenar kereta.<br><\/li><li>Kemalangan \u2192 anda terpaksa bayar lebihan kos sendiri.<br><\/li><\/ul>\n\n\n\n<p>&nbsp;Tip BJAK: Semak nilai pasaran kereta dan pilih limit perlindungan sesuai.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Add-on_Penting_Tidak_Termasuk\"><\/span><strong>2. Add-on Penting Tidak Termasuk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Kadang-kadang untuk kurangkan premium, pemandu abaikan add-on seperti Key Care, VIP Rescue, atau Warranty.<br><\/li><li>Akibatnya, tuntutan kecil atau bantuan kecemasan tidak dilindungi.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Kualiti_Bengkel_Panel_Repair\"><\/span><strong>3. Kualiti Bengkel &amp; Panel Repair<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Premium rendah \u2192 mungkin panel repair pilihan terhad atau tidak diiktiraf BJAK.<br><\/li><li>Pilih bengkel bukan panel repair boleh jejas NCD dan kualiti pembaikan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_NCD_Tidak_Dijaga_Dengan_Betul\"><\/span><strong>4. NCD Tidak Dijaga Dengan Betul<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Sesetengah polisi murah tidak mengekalkan NCD jika tuntutan dibuat.<br><\/li><li>Pemandu perlu faham cara tuntutan tidak menjejaskan diskaun.<br><\/li><\/ul>\n\n\n\n<p>&nbsp;Tip BJAK: Semak polisi dan syarat tuntutan untuk kekalkan NCD walaupun claim kecil dibuat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"56510\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jimat-premium-tahu-risiko-dulu\/attachment\/3-139-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-139.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=\"3-139\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-139.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-139.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\/3-139.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan empat risiko tersembunyi bila cuba jimat premium insurans termasuk underinsured, add-on penting tiada, bengkel terhad, dan NCD tidak dijaga.\" class=\"wp-image-56510\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-139.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-139.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-139.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-139.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-139.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><strong>Jimat Premium Insurans<\/strong> bukan selalu bijak jika anda tidak faham risiko. Underinsured, add-on penting tiada, pilihan bengkel terhad, dan NCD tidak dijaga boleh menyebabkan kerugian besar. Gunakan panduan BJAK untuk pilih polisi yang menepati keperluan kereta dan perlindungan anda, supaya kos jangka panjang tetap terkawal dan NCD selamat.<\/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=jimat-premium-tahu-risiko-dulu\" 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\/key-care-cover-kos-gantian-kunci-mahal\">Key Care Cover Kos Gantian Kunci Mahal<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/warranty-untuk-kereta-1015-tahun-masih-boleh-ambil\">Warranty untuk Kereta 10\u201315 Tahun Masih Boleh Ambil<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fire-theft-ramai-salah-faham-bila-claim\">Fire &amp; Theft: Ramai Salah Faham Bila Claim<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ramai pemandu teruja bila nampak premium insurans rendah. Artikel ini terangkan risiko tersembunyi supaya anda tidak underinsured dan kerugian berlaku semasa tuntutan.<\/p>\n","protected":false},"author":31,"featured_media":56509,"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":[3158,1872],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Jimat Premium? Tahu Risiko Dulu | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Jimat Premium? 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