{"id":56829,"date":"2025-11-25T23:56:11","date_gmt":"2025-11-25T15:56:11","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56829"},"modified":"2025-11-25T23:56:13","modified_gmt":"2025-11-25T15:56:13","slug":"kereta-anda-under-insured","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-anda-under-insured","title":{"rendered":"Kereta Anda Under-Insured?"},"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-69d79af65d660\" 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-69d79af65d660\"><\/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\/kereta-anda-under-insured\/#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\/kereta-anda-under-insured\/#1_Apa_Jadi_Bila_Kereta_Anda_Under-Insured\" title=\"1. Apa Jadi Bila Kereta Anda Under-Insured?\">1. Apa Jadi Bila Kereta Anda Under-Insured?<\/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\/kereta-anda-under-insured\/#2_Nilai_Pasaran_vs_Agreed_Value\" title=\"2. Nilai Pasaran vs Agreed Value\">2. Nilai Pasaran vs Agreed Value<\/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\/kereta-anda-under-insured\/#3_Tips_Elak_Kereta_Anda_Under-Insured\" title=\"3. Tips Elak Kereta Anda Under-Insured\">3. Tips Elak Kereta Anda Under-Insured<\/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\/kereta-anda-under-insured\/#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>Ramai pemilik kereta tidak sedar jika <strong>kereta anda under-insured<\/strong>, yang boleh menyebabkan tuntutan insurans tidak mencukupi semasa kemalangan. Artikel ini membincangkan perbezaan antara <strong>nilai pasaran<\/strong> dan <strong>agreed value<\/strong>, serta bagaimana memilih perlindungan yang tepat supaya kereta sentiasa dilindungi sepenuhnya.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Apa_Jadi_Bila_Kereta_Anda_Under-Insured\"><\/span><strong>1. Apa Jadi Bila <strong>Kereta Anda Under-Insured?<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Kereta under-insured berlaku apabila <strong>sum insured (SI)<\/strong> kurang daripada nilai sebenar kenderaan<br><\/li><li>Jika kemalangan atau kerosakan besar berlaku, insurans hanya bayar berdasarkan SI, bukan kos pembaikan sebenar<br><\/li><li>Risiko paling tinggi untuk kereta mewah atau kereta import<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Nilai_Pasaran_vs_Agreed_Value\"><\/span><strong>2. Nilai Pasaran vs Agreed Value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Nilai Pasaran (Market Value)<\/strong> \u2192 insurans bayar berdasarkan harga pasaran semasa kereta pada hari tuntutan<br><\/li><li><strong>Agreed Value<\/strong> \u2192 nilai kereta dipersetujui semasa beli polisi, insurans bayar jumlah tetap walaupun pasaran turun<br><\/li><li>Agreed value biasanya lebih mahal, tetapi melindungi pemilik dari kerugian besar<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=\"56893\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-anda-under-insured\/attachment\/3-168-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-168.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=\"3-168\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-168.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-168.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\/3-168.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan perbezaan antara nilai pasaran dan agreed value, serta tips elak kereta under-insured untuk tuntutan insurans optimum.\n\" class=\"wp-image-56893\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-168.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-168.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-168.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-168.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-168.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=\"3_Tips_Elak_Kereta_Anda_Under-Insured\"><\/span><strong>3. Tips Elak <strong>Kereta Anda Under-Insured<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Semak nilai pasaran semasa beli insurans<br><\/li><li>Pilih agreed value jika kereta baru, import, atau model terhad<br><\/li><li>Update sum insured jika kereta sudah dinaik taraf atau harga pasaran meningkat<br><\/li><li>Gunakan perkhidmatan BJAK untuk perbandingan nilai dan polisi<br><\/li><\/ul>\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>Memastikan <strong>kereta anda under-insured<\/strong> tidak berlaku adalah kunci perlindungan optimum. Fahami perbezaan <strong>nilai pasaran vs agreed value<\/strong>, pilih polisi yang sesuai, dan sentiasa semak SI kereta supaya tuntutan insurans mencukupi semasa kemalangan. Perlindungan tepat = lebih selamat &amp; kurang risiko kerugian.<\/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=kereta-anda-under-insured\" 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\/accident-tapi-ncd-tak-turun-begini-caranya\">Accident Tapi NCD Tak Turun? Begini Caranya<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bezanya-vandalism-vs-malicious-damage-kereta\">Bezanya Vandalism vs Malicious Damage Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/air-masuk-engine-total-loss-kenali-risiko-flood\">Air Masuk Engine = Total Loss? Kenali Risiko Flood<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jangan biarkan kereta anda under-insured! Fahami perbezaan nilai pasaran dan agreed value supaya tuntutan insurans mencukupi jika berlaku kemalangan.<\/p>\n","protected":false},"author":31,"featured_media":56892,"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":[2959,243,2836,3206],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kereta Anda Under-Insured? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Kereta Anda Under-Insured? 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