{"id":58491,"date":"2025-12-19T15:31:01","date_gmt":"2025-12-19T07:31:01","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=58491"},"modified":"2025-12-19T15:31:02","modified_gmt":"2025-12-19T07:31:02","slug":"memahami-voluntary-excess-dalam-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/memahami-voluntary-excess-dalam-insurans-kereta","title":{"rendered":"Memahami Voluntary Excess Dalam Insurans Kereta"},"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-69d79af0dc760\" 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-69d79af0dc760\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/memahami-voluntary-excess-dalam-insurans-kereta\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/memahami-voluntary-excess-dalam-insurans-kereta\/#Apa_Itu_Voluntary_Excess\" title=\"Apa Itu Voluntary Excess?\">Apa Itu Voluntary Excess?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/memahami-voluntary-excess-dalam-insurans-kereta\/#Kesan_Voluntary_Excess_Pada_Premium\" title=\"Kesan Voluntary Excess Pada Premium\">Kesan Voluntary Excess Pada Premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/memahami-voluntary-excess-dalam-insurans-kereta\/#Tips_Pilih_Voluntary_Excess_Sesuai\" title=\"Tips Pilih Voluntary Excess Sesuai\">Tips Pilih Voluntary Excess Sesuai<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/memahami-voluntary-excess-dalam-insurans-kereta\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Memahami voluntary excess<\/strong> adalah penting bagi setiap pemandu sebelum memilih polisi insurans kereta. Ia merujuk kepada jumlah wang yang ditanggung sendiri oleh pemilik kereta apabila membuat tuntutan. Artikel ini membincangkan cara voluntary excess berfungsi, kesannya pada premium, dan situasi bila ia sesuai digunakan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apa_Itu_Voluntary_Excess\"><\/span><strong>Apa Itu Voluntary Excess?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Voluntary excess ialah tambahan yang dipilih oleh pemilik kenderaan selain compulsory excess dari syarikat insurans.<br><\/li><li>Ia biasanya dikira setiap kali berlaku tuntutan, dan jumlahnya bergantung kepada polisi dan pilihan pemilik.<br><\/li><li>Konsep ini memberi fleksibiliti kepada pemandu untuk mengurangkan premium dengan mengambil risiko membayar lebih sendiri semasa tuntutan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kesan_Voluntary_Excess_Pada_Premium\"><\/span><strong>Kesan Voluntary Excess Pada Premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>Premium Lebih Rendah:<\/strong> Memilih voluntary excess yang lebih tinggi boleh menurunkan premium tahunan.<br><\/li><li><strong>Kos Tuntutan Lebih Tinggi:<\/strong> Semakin tinggi voluntary excess, semakin banyak yang perlu dibayar sendiri apabila berlaku kemalangan.<br><\/li><li><strong>Pertimbangan Risiko:<\/strong> Sesuai untuk pemandu yang yakin memandu dengan berhati-hati dan jarang membuat tuntutan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Tips_Pilih_Voluntary_Excess_Sesuai\"><\/span><strong>Tips Pilih Voluntary Excess Sesuai<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Semak kemampuan membayar jumlah voluntary excess semasa kecemasan.<br><\/li><li>Pertimbangkan sejarah tuntutan anda\u2014lebih banyak tuntutan, risiko lebih tinggi.<br><\/li><li>Bandingkan premium dengan beberapa pilihan excess sebelum buat keputusan.<br><\/li><li>Pastikan jumlah voluntary excess selaras dengan perlindungan keseluruhan polisi.<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=\"58569\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/memahami-voluntary-excess-dalam-insurans-kereta\/attachment\/3-115-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-115.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=\"3-115\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-115.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-115.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\/3-115.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan senario pemandu boleh disaman, punca, dan langkah pemandu untuk mengelak saman.\" class=\"wp-image-58569\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-115.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-115.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-115.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-115.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-115.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<h3><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Dengan <strong>memahami voluntary excess<\/strong>, pemandu boleh membuat keputusan bijak untuk mengimbangi kos premium dan risiko perbelanjaan sendiri. Pemilihan jumlah yang sesuai membantu memastikan perlindungan tetap optimum tanpa menjejaskan kewangan.<\/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=memahami-voluntary-excess-dalam-insurans-kereta\" 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\/tekanan-tayar-rendah-punca-cara-elak-kemalangan\">Tekanan Tayar Rendah: Punca &amp; Cara Elak Kemalangan<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kepentingan-perlindungan-pa-walaupun-ada-insurans-kereta\">Kepentingan Perlindungan PA, Walaupun Ada Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/info\/kerosakan-bateri-ev-punca-cara-pencegahan\">Kerosakan Bateri EV: Punca &amp; Cara Pencegahan<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Voluntary excess adalah jumlah yang anda setuju bayar sendiri sebelum insurans menanggung baki kos. Ketahui cara ia berfungsi, kesannya pada premium, dan bila ia sesuai digunakan.<\/p>\n","protected":false},"author":31,"featured_media":58541,"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":[243,3407],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Memahami Voluntary Excess Dalam Insurans Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Memahami Voluntary Excess Dalam Insurans Kereta Supaya Tidak Terkjeut Atas Kos Repair Kenderaan\" \/>\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\/memahami-voluntary-excess-dalam-insurans-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Memahami Voluntary Excess Dalam Insurans Kereta | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Memahami Voluntary Excess Dalam Insurans Kereta Supaya Tidak Terkjeut Atas Kos Repair Kenderaan\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/memahami-voluntary-excess-dalam-insurans-kereta\" \/>\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=\"2025-12-19T07:31:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-19T07:31:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/Memahami-Voluntary-Excess-Dalam-Insurans-Kereta.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=\"tariqsiregar@bjak.my\" \/>\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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