{"id":56941,"date":"2025-11-27T02:10:51","date_gmt":"2025-11-26T18:10:51","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56941"},"modified":"2025-11-27T02:10:53","modified_gmt":"2025-11-26T18:10:53","slug":"kereta-lama-selalu-under-insured","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-lama-selalu-under-insured","title":{"rendered":"Kereta Lama Selalu 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-69d76da0b79d0\" 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-69d76da0b79d0\"><\/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-lama-selalu-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-lama-selalu-under-insured\/#1_Susut_Nilai_Kereta_Lama\" title=\"1. Susut Nilai Kereta Lama\">1. Susut Nilai Kereta Lama<\/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-lama-selalu-under-insured\/#2_Aksesori_Lama_Tidak_Dikemas_Kini\" title=\"2. Aksesori Lama Tidak Dikemas Kini\">2. Aksesori Lama Tidak Dikemas Kini<\/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-lama-selalu-under-insured\/#3_Renewal_Polisi_Lama_Tanpa_Semakan\" title=\"3. Renewal Polisi Lama Tanpa Semakan\">3. Renewal Polisi Lama Tanpa Semakan<\/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-lama-selalu-under-insured\/#4_Cara_Baiki_Serta-Merta\" title=\"4. Cara Baiki Serta-Merta\">4. Cara Baiki Serta-Merta<\/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\/kereta-lama-selalu-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>Kereta lama selalu under-insured kerana banyak faktor yang berubah dari masa ke masa \u2014 susut nilai, aksesori tambahan, atau polisi yang tidak dikemas kini. Ramai pemilik hanya renew polisi lama tanpa semak nilai coverage sebenar, menyebabkan risiko kerugian tinggi bila berlaku tuntutan.<\/p>\n\n\n\n<p>Memahami punca dan cara membaikinya segera membantu pemilik kereta lama memastikan polisi sentiasa relevan dan perlindungan tetap mencukupi.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Susut_Nilai_Kereta_Lama\"><\/span>1. Susut Nilai Kereta Lama<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kereta lama susut nilai setiap tahun. Jika polisi masih berdasarkan nilai asal atau cadangan sistem yang terlalu rendah, polisi menjadi under-insured. Ini paling ketara bagi kereta lebih 5\u201310 tahun.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Aksesori_Lama_Tidak_Dikemas_Kini\"><\/span>2. Aksesori Lama Tidak Dikemas Kini<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ramai menambah aksesori atau upgrade seperti rim, audio system, dashcam atau bodykit, tetapi polisi tidak dikemas kini. Nilai tambahan ini tidak dilindungi, meningkatkan risiko under-insured.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Renewal_Polisi_Lama_Tanpa_Semakan\"><\/span>3. Renewal Polisi Lama Tanpa Semakan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pemilik sering renew polisi lama tanpa semak nilai pasaran semasa kereta. Ini menyebabkan coverage lama terus digunakan walaupun kereta sudah meningkat nilainya melalui pembaikan atau aksesori tambahan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Cara_Baiki_Serta-Merta\"><\/span>4. Cara Baiki Serta-Merta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Semak nilai pasaran kereta semasa sebelum renew<\/li><li>Laporkan sebarang aksesori atau upgrade kepada syarikat insurans<\/li><li>Tambah coverage jika perlu, walaupun premium sedikit meningkat<\/li><li>Gunakan platform berlesen seperti BJAK untuk bandingkan polisi dan dapatkan nasihat tepat<\/li><\/ul>\n\n\n\n<p>Langkah ini memastikan polisi kereta lama sentiasa mencukupi dan risiko kerugian dikurangkan.<\/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=\"57005\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-lama-selalu-under-insured\/attachment\/3-173-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-173.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=\"3-173\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-173.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-173.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\/3-173.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan langkah semak nilai pasaran, lapor aksesori, tambah coverage, dan gunakan platform berlesen untuk baiki polisi kereta lama under-insured.\" class=\"wp-image-57005\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-173.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-173.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-173.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-173.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-173.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=\"Kesimpulan\"><\/span>Kesimpulan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kereta lama selalu under-insured kerana polisi lama tidak dikemas kini, susut nilai, dan aksesori tambahan tidak dilaporkan. Dengan semakan rutin, kemas kini polisi dan penggunaan platform berlesen, pemilik kereta lama boleh memastikan perlindungan mencukupi dan selamat daripada kerugian kewangan semasa kemalangan.<\/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-lama-selalu-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\/kereta-e-hailing-terbaik-2025-kos-insurans\">Kereta E-Hailing Terbaik 2025 &amp; Kos Insurans<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/checklist-kereta-lepas-banjir\">Checklist Kereta Lepas Banjir<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/risiko-banjir-kereta-cc-kecil\">Risiko Banjir Kereta CC Kecil<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemilik kereta lama tidak sedar polisi mereka sering under-insured. Artikel ini terangkan punca utama dan langkah segera untuk pastikan perlindungan mencukupi.<\/p>\n","protected":false},"author":31,"featured_media":57004,"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>Kereta Lama Selalu Under-Insured | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Kereta Lama Selalu Under-Insured . 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