{"id":56932,"date":"2025-11-27T02:09:32","date_gmt":"2025-11-26T18:09:32","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56932"},"modified":"2025-11-27T02:09:34","modified_gmt":"2025-11-26T18:09:34","slug":"tanda-kereta-dah-under-insured","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/tanda-kereta-dah-under-insured","title":{"rendered":"Tanda Kereta Dah 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-69d7902651229\" 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-69d7902651229\"><\/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\/tanda-kereta-dah-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\/tanda-kereta-dah-under-insured\/#1_Nilai_Perlindungan_Tidak_Dikemas_Kini\" title=\"1. Nilai Perlindungan Tidak Dikemas Kini\">1. Nilai Perlindungan Tidak Dikemas Kini<\/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\/tanda-kereta-dah-under-insured\/#2_Aksesori_Ditambah_Tapi_Tidak_Dilaporkan\" title=\"2. Aksesori Ditambah Tapi Tidak Dilaporkan\">2. Aksesori Ditambah Tapi Tidak Dilaporkan<\/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\/tanda-kereta-dah-under-insured\/#3_Pilih_Nilai_Rendah_Untuk_Jimat_Premium\" title=\"3. Pilih Nilai Rendah Untuk Jimat Premium\">3. Pilih Nilai Rendah Untuk Jimat Premium<\/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\/tanda-kereta-dah-under-insured\/#4_Kereta_Baru_Siap_Ubahsuai_Tetapi_Polisi_Tidak_Dikemas_Kini\" title=\"4. Kereta Baru Siap Ubahsuai Tetapi Polisi Tidak Dikemas Kini\">4. Kereta Baru Siap Ubahsuai Tetapi Polisi Tidak Dikemas Kini<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tanda-kereta-dah-under-insured\/#5_Repair_Besar_Sebelumnya_Tidak_Dikemaskini\" title=\"5. Repair Besar Sebelumnya Tidak Dikemaskini\">5. Repair Besar Sebelumnya Tidak Dikemaskini<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tanda-kereta-dah-under-insured\/#6_Tuntutan_Dipotong_Separuh_Pro-Rata_Deduction\" title=\"6. Tuntutan Dipotong Separuh (Pro-Rata Deduction)\">6. Tuntutan Dipotong Separuh (Pro-Rata Deduction)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tanda-kereta-dah-under-insured\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span>Pengenalan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tanda kereta dah under-insured sering terlepas pandang kerana ramai pemilik hanya tekan \u201crenew\u201d tanpa semak nilai perlindungan semasa. Bila coverage lebih rendah daripada nilai pasaran kereta, anda berisiko menghadapi tuntutan yang dipotong atau pampasan yang jauh lebih rendah daripada kos sebenar pembaikan.<\/p>\n\n\n\n<p>Situasi ini kerap berlaku di Malaysia kerana nilai kereta berubah setiap tahun, aksesori ditambah, atau pemilik pilih nilai rendah untuk jimat premium tanpa sedar risiko besar.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Nilai_Perlindungan_Tidak_Dikemas_Kini\"><\/span>1. Nilai Perlindungan Tidak Dikemas Kini<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Setiap tahun, nilai kereta akan susut. Kalau pemilik tidak semak nilai semasa dan ikut sahaja cadangan sistem yang terlalu rendah, polisi akan secara automatik menjadi under-insured. Kes ini lebih kerap berlaku pada kereta lama kerana susut nilai tidak dikemas kini.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Aksesori_Ditambah_Tapi_Tidak_Dilaporkan\"><\/span>2. Aksesori Ditambah Tapi Tidak Dilaporkan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ramai pemilik menukar rim, sistem audio, sport absorber atau bodykit tetapi tidak memaklumkan syarikat insurans. Apabila nilai aksesori bertambah tetapi polisi kekal sama, kereta terus menjadi under-insured. Kalau berlaku kemalangan, aksesori tambahan mungkin tidak dilindungi.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Pilih_Nilai_Rendah_Untuk_Jimat_Premium\"><\/span>3. Pilih Nilai Rendah Untuk Jimat Premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Punca paling biasa: pemilik pilih nilai rendah supaya premium lebih murah. Tetapi bila berlaku kemalangan besar, insurans hanya membayar sebahagian kos berdasarkan kadar under-insurance. Akhirnya pemilik terpaksa tanggung sendiri sejumlah besar kos.<\/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=\"56996\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tanda-kereta-dah-under-insured\/attachment\/3-170-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-170.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=\"3-170\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-170.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-170.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\/3-170.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik checklist menunjukkan tanda kereta under-insured termasuk nilai coverage rendah, aksesori ditambah tanpa laporan, memilih nilai rendah, pembaikan besar tanpa kemas kini dan tuntutan dipotong separuh.\" class=\"wp-image-56996\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-170.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-170.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-170.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-170.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-170.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=\"4_Kereta_Baru_Siap_Ubahsuai_Tetapi_Polisi_Tidak_Dikemas_Kini\"><\/span>4. Kereta Baru Siap Ubahsuai Tetapi Polisi Tidak Dikemas Kini<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kereta baru yang dipasang tinted premium, dashcam, spoiler atau sport rims akan meningkat nilainya. Jika polisi masih menggunakan nilai asas, walaupun perubahan kecil, kereta boleh menjadi under-insured.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Repair_Besar_Sebelumnya_Tidak_Dikemaskini\"><\/span>5. Repair Besar Sebelumnya Tidak Dikemaskini<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Selepas kemalangan, pemilik mungkin melakukan pembaikan besar yang meningkatkan nilai kereta. Namun jika polisi tahun berikutnya menggunakan nilai lama, coverage tidak sepadan dengan nilai semasa dan risiko under-insured tetap ada.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"6_Tuntutan_Dipotong_Separuh_Pro-Rata_Deduction\"><\/span>6. Tuntutan Dipotong Separuh (Pro-Rata Deduction)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tanda paling jelas kereta under-insured biasanya muncul selepas kemalangan. Jika insurans hanya membayar sebahagian kos pembaikan walaupun kerosakan jelas, ini menunjukkan nilai coverage anda lebih rendah daripada nilai sebenar kereta.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span>Kesimpulan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tanda kereta dah under-insured sebenarnya boleh dikenal pasti jika pemilik ambil masa semak nilai perlindungan setiap kali renew. Pastikan coverage selaras dengan nilai semasa kereta untuk elakkan potongan pampasan atau kerugian besar jika berlaku kemalangan. Dengan memilih nilai tepat dan mengemas kini aksesori atau pembaikan, anda boleh pastikan perlindungan mencukupi dan risiko kewangan diminimakan.<\/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=tanda-kereta-dah-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\/info\/musim-hujan-malaysia-hotspot-banjir-tips-pemilik-kereta\">Musim Hujan Malaysia: Hotspot Banjir &amp; Tips Pemilik Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/risiko-enjin-cc-besar-vs-cc-kecil-bila-air-masuk\">Risiko Enjin CC Besar vs CC Kecil Bila Air Masuk<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perancangan-insurans-ikut-risiko-kawasan-tinggal\">Perancangan Insurans Ikut Risiko Kawasan Tinggal<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemilik kereta tidak sedar bahawa nilai perlindungan insurans mereka lebih rendah daripada nilai sebenar kereta. Artikel ini menerangkan tanda kereta dah under-insured dan langkah untuk elakkan kerugian bila berlaku tuntutan.<\/p>\n","protected":false},"author":31,"featured_media":56995,"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":[243,3206],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tanda Kereta Dah Under-Insured | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Tanda Kereta Dah Under-Insured. 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