{"id":56701,"date":"2025-11-22T20:32:50","date_gmt":"2025-11-22T12:32:50","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56701"},"modified":"2025-11-22T20:32:52","modified_gmt":"2025-11-22T12:32:52","slug":"agreed-value-mahal-sikit-tapi-selamatkan-ribuan-ringgit","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/agreed-value-mahal-sikit-tapi-selamatkan-ribuan-ringgit","title":{"rendered":"Agreed Value Mahal Sikit Tapi Selamatkan Ribuan Ringgit"},"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-69e0f60c98b20\" 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-69e0f60c98b20\"><\/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\/agreed-value-mahal-sikit-tapi-selamatkan-ribuan-ringgit\/#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\/agreed-value-mahal-sikit-tapi-selamatkan-ribuan-ringgit\/#1_Apa_Itu_Agreed_Value\" title=\"1. Apa Itu Agreed Value \">1. Apa Itu Agreed Value <\/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\/agreed-value-mahal-sikit-tapi-selamatkan-ribuan-ringgit\/#2_Agreed_Value_vs_Market_Value\" title=\"2. Agreed Value  vs Market Value\">2. Agreed Value  vs Market Value<\/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\/agreed-value-mahal-sikit-tapi-selamatkan-ribuan-ringgit\/#3_Bila_Pilih_Agreed_Value_Berbaloi\" title=\"3. Bila Pilih Agreed Value Berbaloi\">3. Bila Pilih Agreed Value Berbaloi<\/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\/agreed-value-mahal-sikit-tapi-selamatkan-ribuan-ringgit\/#4_Tips_Memilih_Agreed_Value\" title=\"4. Tips Memilih Agreed Value \">4. Tips Memilih Agreed Value <\/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\/agreed-value-mahal-sikit-tapi-selamatkan-ribuan-ringgit\/#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>Memilih insurans kereta bukan sekadar banding harga. Walaupun <strong>Agreed Value Mahal Sikit<\/strong>, ia menjamin nilai kereta anda dipersetujui jika total loss berlaku. Premium sedikit lebih tinggi berbaloi kerana lindungi pemandu daripada kehilangan ribuan ringgit berbanding market value yang mungkin jatuh rendah. Artikel ini terangkan sebab kenapa <strong>Agreed Value <\/strong>berbaloi dan bila ia patut dipilih.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Apa_Itu_Agreed_Value\"><\/span><strong>1. Apa Itu Agreed Value <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Agreed Value Mahal Sikit<\/strong> bermaksud nilai kereta dipersetujui semasa pembelian polisi, walaupun premium lebih tinggi. Jika kereta hilang total, syarikat insurans bayar jumlah ini tanpa tolak susut nilai.<\/p>\n\n\n\n<p>Kelebihan:<\/p>\n\n\n\n<ul><li>Perlindungan nilai sebenar kereta<br><\/li><li>Mengelakkan kos tambahan selepas total loss<br><\/li><li>Sesuai untuk kereta baru atau premium<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Agreed_Value_vs_Market_Value\"><\/span><strong>2. Agreed Value  vs Market Value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Perbezaannya:<\/p>\n\n\n\n<ul><li><strong>Market Value<\/strong>: Bayaran ikut harga pasaran semasa, tolak susut nilai<br><\/li><li><strong>Agreed Value <\/strong>: Bayaran ikut nilai dipersetujui semasa beli polisi<br><\/li><\/ul>\n\n\n\n<p>Walaupun premium sedikit lebih mahal, <strong>Agreed Value <\/strong> memberikan jaminan bahawa kereta akan dibayar penuh jika berlaku kerosakan besar atau total loss.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Bila_Pilih_Agreed_Value_Berbaloi\"><\/span><strong>3. Bila Pilih Agreed Value Berbaloi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Anda patut pilih <strong>Agreed Value <\/strong> jika:<\/p>\n\n\n\n<ul><li>Kereta baru atau masih dalam 1\u20135 tahun penggunaan<br><\/li><li>Nilai kereta tinggi dan susut nilai cepat<br><\/li><li>Mahu lindungi pelaburan daripada kerugian besar<br><\/li><\/ul>\n\n\n\n<p>Sekiranya kereta lama atau nilai rendah, market value mungkin cukup.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Tips_Memilih_Agreed_Value\"><\/span><strong>4. Tips Memilih Agreed Value <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Semak nilai kereta semasa beli polisi<br><\/li><li>Pilih coverage sesuai dengan umur dan jenis kereta<br><\/li><li>Bandingkan premium dan manfaat antara Agreed Value vs Market Value<br><\/li><li>Hubungi BJAK atau syarikat insurans untuk panduan memilih<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=\"56763\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/agreed-value-mahal-sikit-tapi-selamatkan-ribuan-ringgit\/attachment\/3-156-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-156.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=\"3-156\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-156.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-156.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\/3-156.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan perbezaan Agreed Value Mahal Sikit dan Market Value, kesan pada pembayaran total loss, dan bila pilihan ini berbaloi.\" class=\"wp-image-56763\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-156.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-156.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-156.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-156.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-156.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>Walaupun <strong>Agreed Value Mahal Sikit<\/strong>, pilihan ini boleh selamatkan ribuan ringgit jika kereta anda total loss. Memahami perbezaan dengan market value membantu pemandu Malaysia buat keputusan bijak semasa pilih polisi. Pilih <strong>Agreed Value <\/strong>untuk lindungi pelaburan kereta dan elakkan kerugian besar jangka panjang.<\/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=agreed-value-mahal-sikit-tapi-selamatkan-ribuan-ringgit\" 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\/tambahan-perlindungan-banjir-penyediaan-untuk-musim-hujan\">Tambahan Perlindungan Banjir \u2014 Penyediaan Untuk Musim Hujan<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/kompak-mpv-pilihan-perjalanan-harian-jarak-jauh\">Kompak &amp; MPV \u2014 Pilihan Perjalanan Harian \/ Jarak Jauh<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/ncd-boleh-diselamatkan-info-yang-terlepas\">NCD Boleh Diselamatkan, Info Yang Terlepas<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemandu tak pasti sama ada pilih Agreed Value Mahal Sikit atau market value untuk kereta mereka. Artikel ini terangkan mengapa bayar sedikit lebih mahal tapi boleh selamatkan ribuan ringgit jika berlaku kerosakan atau total loss.<\/p>\n","protected":false},"author":31,"featured_media":56762,"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":[2959,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Agreed Value Mahal Sikit Tapi Selamatkan Ribuan Ringgit | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Agreed Value Mahal Sikit Tapi Selamatkan Ribuan Ringgit\" \/>\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\/agreed-value-mahal-sikit-tapi-selamatkan-ribuan-ringgit\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Agreed Value Mahal Sikit Tapi Selamatkan Ribuan Ringgit | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Agreed Value Mahal Sikit Tapi Selamatkan Ribuan Ringgit\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/agreed-value-mahal-sikit-tapi-selamatkan-ribuan-ringgit\" \/>\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=\"2025-11-22T12:32:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-22T12:32:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/1-157.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=\"tariqsiregar@bjak.my\" \/>\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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