{"id":57671,"date":"2025-12-06T00:22:40","date_gmt":"2025-12-05T16:22:40","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=57671"},"modified":"2025-12-06T00:22:42","modified_gmt":"2025-12-05T16:22:42","slug":"kenaikan-harga-premium-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kenaikan-harga-premium-insurans","title":{"rendered":"Kenaikan Harga Premium Insurans"},"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-6a1c8d25d04ed\" 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-6a1c8d25d04ed\"><\/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\/kenaikan-harga-premium-insurans\/#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\/kenaikan-harga-premium-insurans\/#Punca_Kenaikan_Harga_Premium_Insurans\" title=\"Punca Kenaikan Harga Premium Insurans\">Punca Kenaikan Harga Premium Insurans<\/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\/kenaikan-harga-premium-insurans\/#Faktor_Lain_Yang_Menyumbang\" title=\"Faktor Lain Yang Menyumbang\">Faktor Lain Yang Menyumbang<\/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\/kenaikan-harga-premium-insurans\/#Cara_Bijak_Mengurus_Kenaikan_Premium\" title=\"Cara Bijak Mengurus Kenaikan Premium\">Cara Bijak Mengurus Kenaikan 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\/kenaikan-harga-premium-insurans\/#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>Setiap tahun, pemilik kereta di Malaysia sering terkejut melihat <strong>kenaikan harga premium insurans<\/strong> ketika membaharui polisi. Walaupun ini mungkin terasa membebankan, pemahaman tentang faktor yang menyumbang kepada kenaikan dan strategi menguruskannya dapat membantu pemandu membuat keputusan bijak dan menjimatkan kos.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Punca_Kenaikan_Harga_Premium_Insurans\"><\/span><strong>Punca Kenaikan Harga Premium Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Kos alat ganti dan buruh meningkat:<\/strong> Repair kereta menjadi lebih mahal, terutamanya untuk kereta import atau model premium.<br><\/li><li><strong>Trend tuntutan yang tinggi:<\/strong> Semakin ramai tuntutan dibuat setiap tahun, menyebabkan insurer menyesuaikan premium untuk menampung risiko.<br><\/li><li><strong>Inflasi dan kos operasi insurer:<\/strong> Kenaikan kos pentadbiran dan operasi syarikat insurans turut memberi kesan kepada harga premium.<br><\/li><li><strong>Jenis kenderaan &amp; usia kereta:<\/strong> Kereta baru atau kereta import biasanya premium lebih tinggi berbanding kereta lama.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Faktor_Lain_Yang_Menyumbang\"><\/span><strong>Faktor Lain Yang Menyumbang<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Profil pemandu:<\/strong> Umur, pengalaman memandu, rekod tuntutan, dan sejarah saman mempengaruhi premium.<br><\/li><li><strong>Lokasi &amp; kawasan pemanduan:<\/strong> Kawasan bandar dengan kesesakan tinggi dan risiko kecurian lebih tinggi \u2192 premium lebih mahal.<br><\/li><li><strong>Jenis perlindungan:<\/strong> Komprehensif lebih mahal berbanding TPL, termasuk add-ons seperti Key Care atau VIP Rescue.<br><\/li><li><strong>No-Claim Discount (NCD):<\/strong> Jika tiada NCD atau NCD hilang, premium meningkat secara automatik.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Bijak_Mengurus_Kenaikan_Premium\"><\/span><strong>Cara Bijak Mengurus Kenaikan Premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Bandingkan harga insurans:<\/strong> Gunakan platform seperti <strong>BJAK<\/strong> untuk semak harga terbaik antara insurer.<br><\/li><li><strong>Periksa add-ons relevan:<\/strong> Jangan bayar untuk add-ons yang tidak diperlukan, tetapi pertimbangkan yang beri nilai tambah sebenar.<br><\/li><li><strong>Pastikan NCD dikekalkan:<\/strong> Renew sebelum polisi tamat, elak jurang pembaharuan.<br><\/li><li><strong>Pilih polisi sesuai kenderaan &amp; profil pemandu:<\/strong> Sesuaikan perlindungan mengikut risiko sebenar.<br><\/li><li><strong>Manfaatkan tawaran atau promosi:<\/strong> BJAK sering ada promosi insurans menarik untuk mengurangkan kos.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"57752\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenaikan-harga-premium-insurans\/attachment\/3-31-5\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-31.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" 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=\"3-31\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-31.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-31.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\/12\/3-31.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan faktor kenaikan harga premium insurans dan tips untuk mengurangkan kos insurans kereta di Malaysia.\" class=\"wp-image-57752\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-31.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-31.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-31.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-31.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-31.jpg?w=1708&amp;ssl=1 1708w\" 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><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kenaikan harga premium insurans adalah fenomena biasa, tetapi ia boleh diuruskan dengan <strong>pemahaman faktor risiko dan strategi bijak<\/strong>. Platform seperti BJAK memudahkan pemilik kereta membandingkan harga, mengekalkan NCD, dan memilih perlindungan sesuai dengan bajet, memastikan kos insurans lebih berbaloi setiap tahun.<\/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=kenaikan-harga-premium-insurans\" 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\/cara-nilai-insurer-ikut-harga-workshop-claim\">Cara Nilai Insurer Ikut Harga, Workshop &amp; Claim<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-lonpac-reputasi-pembaikan-yang-kuat\">Insurans Lonpac: Reputasi Pembaikan Yang Kuat<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-po-pilihan-mesra-bajet-untuk-kereta-lama\">Insurans P&amp;O: Pilihan Mesra Bajet Untuk Kereta Lama<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemilik kereta di Malaysia menyedari harga premium insurans semakin meningkat setiap tahun. Artikel ini membincangkan punca kenaikan, faktor yang mempengaruhi, dan cara bijak mengurus kos insurans.<\/p>\n","protected":false},"author":31,"featured_media":57733,"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":[243,1872],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kenaikan Harga Premium Insurans | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Kenaikan Harga Premium Insurans . 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