{"id":56935,"date":"2025-11-27T02:10:02","date_gmt":"2025-11-26T18:10:02","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56935"},"modified":"2025-11-27T02:10:04","modified_gmt":"2025-11-26T18:10:04","slug":"risiko-under-insured-kerugian-bila-buat-tuntutan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-under-insured-kerugian-bila-buat-tuntutan","title":{"rendered":"Risiko Under-Insured: Kerugian Bila Buat Tuntutan"},"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-69d76d9fd9a59\" 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-69d76d9fd9a59\"><\/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\/risiko-under-insured-kerugian-bila-buat-tuntutan\/#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\/risiko-under-insured-kerugian-bila-buat-tuntutan\/#1_Apa_Itu_Risiko_Under-Insured\" title=\"1. Apa Itu Risiko Under-Insured\">1. Apa Itu Risiko 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\/risiko-under-insured-kerugian-bila-buat-tuntutan\/#2_Faktor_Menyebabkan_Risiko_Under-Insured\" title=\"2. Faktor Menyebabkan Risiko Under-Insured\">2. Faktor Menyebabkan Risiko Under-Insured<\/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\/risiko-under-insured-kerugian-bila-buat-tuntutan\/#3_Kesan_Risiko_Under-Insured\" title=\"3. Kesan Risiko Under-Insured\">3. Kesan Risiko 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\/risiko-under-insured-kerugian-bila-buat-tuntutan\/#4_Cara_Kurangkan_Risiko\" title=\"4. Cara Kurangkan Risiko\">4. Cara Kurangkan Risiko<\/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\/risiko-under-insured-kerugian-bila-buat-tuntutan\/#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>Risiko under-insured sering dipandang remeh, tetapi kesannya boleh menjadi besar apabila berlaku kemalangan. Bila nilai coverage insurans lebih rendah daripada nilai kereta semasa, insurans hanya membayar sebahagian kos pembaikan. Akibatnya, pemilik kereta terpaksa menanggung perbezaan sendiri \u2014 kadang-kadang ribuan ringgit.<\/p>\n\n\n\n<p>Memahami risiko under-insured membantu pemilik kereta membuat keputusan lebih bijak semasa renew polisi, menilai nilai coverage yang tepat, dan memastikan perlindungan mencukupi.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Apa_Itu_Risiko_Under-Insured\"><\/span>1. Apa Itu Risiko Under-Insured<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Under-insured berlaku apabila nilai perlindungan dalam polisi insurans lebih rendah daripada nilai sebenar kenderaan. Dalam situasi ini, sebarang tuntutan kemalangan akan dikira secara <strong>pro-rata<\/strong>, bermaksud insurans hanya bayar sebahagian daripada jumlah kerosakan.<\/p>\n\n\n\n<p>Contohnya, jika kereta bernilai RM50,000 tetapi polisi hanya RM40,000, dan kerosakan bernilai RM20,000, insurans akan bayar:<\/p>\n\n\n\n<p>20,000\u00d740,00050,000=RM16,00020,000 \\times \\frac{40,000}{50,000} = RM16,00020,000\u00d750,00040,000\u200b=RM16,000<\/p>\n\n\n\n<p>Pemilik perlu bayar sendiri RM4,000.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Faktor_Menyebabkan_Risiko_Under-Insured\"><\/span>2. Faktor Menyebabkan Risiko Under-Insured<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Nilai pasaran kereta meningkat tapi polisi tidak dikemas kini<\/li><li>Penambahan aksesori tanpa laporan kepada syarikat insurans<\/li><li>Pemilik pilih nilai rendah untuk jimat premium<\/li><li>Repair besar atau upgrade tidak dimaklumkan<\/li><\/ul>\n\n\n\n<p>Setiap faktor ini meningkatkan risiko kerugian bila berlaku tuntutan.<\/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=\"56999\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-under-insured-kerugian-bila-buat-tuntutan\/attachment\/3-171-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-171.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=\"3-171\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-171.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-171.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\/3-171.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan kesan risiko under-insured, termasuk contoh pengiraan pro-rata, faktor penyumbang dan langkah untuk mengurangkan kerugian.\" class=\"wp-image-56999\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-171.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-171.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-171.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-171.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-171.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_Kesan_Risiko_Under-Insured\"><\/span>3. Kesan Risiko Under-Insured<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Pampasan dikurangkan (pro-rata)<\/li><li>Pemilik kereta tanggung kos sendiri yang tinggi<\/li><li>Dalam kes total loss, insurans bayar kurang daripada nilai pasaran kereta<\/li><li>Boleh menyebabkan kerugian kewangan serius terutama untuk kereta baru atau mahal<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Cara_Kurangkan_Risiko\"><\/span>4. Cara Kurangkan Risiko<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Semak nilai kereta semasa sebelum renew polisi<\/li><li>Kemas kini sebarang aksesori, upgrade atau repair besar<\/li><li>Pilih coverage yang mencukupi, jangan terlalu rendah untuk jimat premium<\/li><li>Gunakan platform berlesen seperti BJAK untuk bandingkan polisi dan dapat nasihat yang tepat<\/li><\/ul>\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>Risik tersebut boleh membawa kerugian besar jika pemilik kereta tidak semak nilai coverage dan kemas kini polisi. Dengan faham faktor penyumbang dan langkah pencegahan, anda boleh mengurangkan risiko dan memastikan pampasan insurans cukup untuk menampung kerosakan sebenar.<\/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=risiko-under-insured-kerugian-bila-buat-tuntutan\" 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\/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\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-e-hailing-terbaik-2025-kos-insurans\">Kereta E-Hailing Terbaik 2025 &amp; Kos Insurans<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemilik kereta tidak sedar risiko under-insured boleh menyebabkan kerugian besar bila berlaku tuntutan. Artikel ini menjelaskan berapa banyak yang mungkin rugi dan cara mengurangkan risiko tersebut.<\/p>\n","protected":false},"author":31,"featured_media":56998,"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>Risiko Under-Insured: Kerugian Bila Buat Tuntutan | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Risiko Under-Insured: Kerugian Bila Buat Tuntutan. 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