{"id":58194,"date":"2025-12-17T20:31:54","date_gmt":"2025-12-17T12:31:54","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=58194"},"modified":"2025-12-17T20:31:56","modified_gmt":"2025-12-17T12:31:56","slug":"risiko-guna-kereta-tak-ikut-polisi-ramai-rugi-tanpa-sedar","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-guna-kereta-tak-ikut-polisi-ramai-rugi-tanpa-sedar","title":{"rendered":"Risiko Guna Kereta Tak Ikut Polisi \u2014 Ramai Rugi Tanpa Sedar"},"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-6a0ce25e1e5f4\" 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-6a0ce25e1e5f4\"><\/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-guna-kereta-tak-ikut-polisi-ramai-rugi-tanpa-sedar\/#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-guna-kereta-tak-ikut-polisi-ramai-rugi-tanpa-sedar\/#1_Kesalahan_Umum_Pemandu_Yang_Boleh_Menyebabkan_Risiko_Guna_Kereta_Tak_Ikut_Polisi\" title=\"1. Kesalahan Umum Pemandu Yang Boleh Menyebabkan Risiko Guna Kereta Tak Ikut Polisi\">1. Kesalahan Umum Pemandu Yang Boleh Menyebabkan Risiko Guna Kereta Tak Ikut Polisi<\/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-guna-kereta-tak-ikut-polisi-ramai-rugi-tanpa-sedar\/#2_Kesan_Kepada_Tuntutan_Insurans\" title=\"2. Kesan Kepada Tuntutan Insurans\">2. Kesan Kepada Tuntutan Insurans<\/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-guna-kereta-tak-ikut-polisi-ramai-rugi-tanpa-sedar\/#3_Contoh_Situasi_Sebenar\" title=\"3. Contoh Situasi Sebenar\">3. Contoh Situasi Sebenar<\/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-guna-kereta-tak-ikut-polisi-ramai-rugi-tanpa-sedar\/#4_Cara_Elak_Risiko\" title=\"4. Cara Elak Risiko\">4. Cara Elak 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-guna-kereta-tak-ikut-polisi-ramai-rugi-tanpa-sedar\/#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 pemandu tidak menyedari bahawa <strong>risiko guna kereta tak ikut polisi<\/strong> boleh membawa kepada masalah serius, termasuk tuntutan insurans ditolak dan kos kerosakan ditanggung sendiri. Kesalahan ini bukan sahaja memberi kesan kepada kewangan, tetapi juga boleh menjejaskan keselamatan dan perlindungan penumpang.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Kesalahan_Umum_Pemandu_Yang_Boleh_Menyebabkan_Risiko_Guna_Kereta_Tak_Ikut_Polisi\"><\/span><strong>1. Kesalahan Umum Pemandu Yang Boleh Menyebabkan Risiko Guna Kereta Tak Ikut Polisi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ramai pemandu tidak menyedari bahawa beberapa kesalahan biasa boleh membawa kepada <strong>risiko guna kereta tak ikut polisi<\/strong>. Antara kesalahan paling lazim:<\/p>\n\n\n\n<ul><li><strong>Menggunakan kereta untuk tujuan berbeza:<\/strong> Contohnya, kenderaan komersial digunakan untuk e-hailing tanpa perlindungan khas.<br><\/li><li><strong>Membiarkan orang lain memandu tanpa kebenaran:<\/strong> Polisi biasanya menetapkan siapa yang dibenarkan memandu.<br><\/li><li><strong>Tidak mengemaskini maklumat kenderaan:<\/strong> Pertukaran enjin, nombor plat, atau alamat tanpa endorsement boleh menjejaskan polisi.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Kesan_Kepada_Tuntutan_Insurans\"><\/span><strong>2. Kesan Kepada Tuntutan Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Tuntutan boleh <strong>ditolak sepenuhnya<\/strong> jika polisi tidak diikuti.<br><\/li><li>Pemandu boleh kehilangan <strong>No Claim Discount (NCD)<\/strong> jika berlaku pelanggaran syarat.<br><\/li><li>Pihak ketiga atau penumpang mungkin membuat tuntutan, dan kos boleh menjadi tinggi.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Contoh_Situasi_Sebenar\"><\/span><strong>3. Contoh Situasi Sebenar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Kes e-hailing tanpa perlindungan PA:<\/strong> Jika berlaku kemalangan, pemandu dan penumpang tiada perlindungan.<br><\/li><li><strong>Kenderaan digunakan di luar aktiviti yang dibenarkan:<\/strong> Insurans menolak tuntutan kerana polisi tidak mengizinkan.<br><\/li><li><strong>Maklumat kenderaan tidak dikemaskini:<\/strong> Contohnya, engine CC berubah tetapi polisi lama masih digunakan \u2014 boleh menyebabkan penolakan tuntutan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Cara_Elak_Risiko\"><\/span><strong>4. Cara Elak Risiko<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Baca polisi dengan teliti:<\/strong> Fahami had, tujuan kenderaan, dan siapa dibenarkan memandu.<br><\/li><li><strong>Kemaskini maklumat kenderaan:<\/strong> Tukar butiran di covernote atau minta endorsement jika berlaku perubahan.<br><\/li><li><strong>Pertimbangkan add-on atau perlindungan khas:<\/strong> Contohnya, LLOP atau PA tambahan untuk e-hailing dan komersial.<br><\/li><li><strong>Sentiasa bertanya kepada ejen atau platform insurans:<\/strong> Jika tidak pasti, dapatkan kepastian bertulis sebelum guna kenderaan.<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=\"58261\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-guna-kereta-tak-ikut-polisi-ramai-rugi-tanpa-sedar\/attachment\/3-73-4\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-73.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=\"3-73\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-73.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-73.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-73.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"\" class=\"wp-image-58261\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-73.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-73.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-73.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-73.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-73.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>Memahami syarat polisi adalah kunci untuk mengurangkan <strong>risiko guna kereta<\/strong> dan melindungi diri serta penumpang daripada kerugian besar. Dengan membaca polisi dengan teliti, mengemaskini maklumat kenderaan, dan mematuhi peraturan, pemandu boleh memastikan perlindungan mereka sentiasa sah. Ingat, <strong>patuh polisi = perlindungan maksimum + kerugian minimum<\/strong>.<\/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-guna-kereta-tak-ikut-polisi--ramai-rugi-tanpa-sedar\" style=\"background-color:#ffd103\">Dapatkan Sebutharga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca Juga:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/info\/bila-penumpang-boleh-saman-pemandu\">Bila Penumpang Boleh Saman Pemandu?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-cover-apa-tak-cover-apa\">Insurans Cover Apa &amp; Tak Cover Apa?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-berlaku-disebabkan-penumpang\">Bagaimana Kemalangan Berlaku Disebabkan Penumpang<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Menggunakan kereta tanpa mematuhi polisi insurans boleh menimbulkan risiko besar dan kerugian yang tidak dijangka. Ketahui bagaimana tindakan kecil boleh memberi impak besar pada perlindungan anda.<\/p>\n","protected":false},"author":31,"featured_media":58259,"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":[243,3362],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Risiko Guna Kereta Tak Ikut Polisi \u2014 Ramai Rugi Tanpa Sedar | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Risiko Guna Kereta Tak Ikut Polisi \u2014 Ramai Rugi Tanpa Sedar Bila Pihak Insuran Menolak Tuntutan Anda.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-guna-kereta-tak-ikut-polisi-ramai-rugi-tanpa-sedar\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Risiko Guna Kereta Tak Ikut Polisi \u2014 Ramai Rugi Tanpa Sedar | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Risiko Guna Kereta Tak Ikut Polisi \u2014 Ramai Rugi Tanpa Sedar Bila Pihak Insuran Menolak Tuntutan Anda.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-guna-kereta-tak-ikut-polisi-ramai-rugi-tanpa-sedar\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-17T12:31:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-17T12:31:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/1-71.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"BJAK Content Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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