{"id":58780,"date":"2025-12-23T23:59:52","date_gmt":"2025-12-23T15:59:52","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=58780"},"modified":"2025-12-23T23:59:53","modified_gmt":"2025-12-23T15:59:53","slug":"voluntary-excess-tinggi-vs-rendah-mana-lebih-berbaloi","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/voluntary-excess-tinggi-vs-rendah-mana-lebih-berbaloi","title":{"rendered":"Voluntary Excess Tinggi vs Rendah \u2013 Mana Lebih Berbaloi"},"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-6a0cd6fc17a4d\" 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-6a0cd6fc17a4d\"><\/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\/voluntary-excess-tinggi-vs-rendah-mana-lebih-berbaloi\/#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\/voluntary-excess-tinggi-vs-rendah-mana-lebih-berbaloi\/#Voluntary_Excess_Tinggi\" title=\"Voluntary Excess Tinggi\">Voluntary Excess Tinggi<\/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\/voluntary-excess-tinggi-vs-rendah-mana-lebih-berbaloi\/#Voluntary_Excess_Rendah\" title=\"Voluntary Excess Rendah\">Voluntary Excess Rendah<\/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\/voluntary-excess-tinggi-vs-rendah-mana-lebih-berbaloi\/#Faktor_Yang_Perlu_Dipertimbangkan\" title=\"Faktor Yang Perlu Dipertimbangkan\">Faktor Yang Perlu Dipertimbangkan<\/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\/voluntary-excess-tinggi-vs-rendah-mana-lebih-berbaloi\/#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><strong>Voluntary excess<\/strong> ialah jumlah yang dipersetujui oleh pemegang polisi untuk dibayar sendiri sekiranya berlaku tuntutan. Memilih antara <strong>excess tinggi atau rendah<\/strong> boleh mempengaruhi premium insurans, risiko kewangan, dan pengalaman membuat tuntutan. Panduan ini membantu memahami kelebihan dan kekurangan setiap pilihan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Voluntary_Excess_Tinggi\"><\/span><strong>Voluntary Excess Tinggi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Premium Lebih Rendah:<\/strong> Membayar excess tinggi biasanya menurunkan premium tahunan.<br><\/li><li><strong>Kos Sendiri Lebih Tinggi:<\/strong> Bayaran semasa membuat tuntutan lebih tinggi.<br><\/li><li><strong>Sesuai Untuk:<\/strong> Pemandu dengan sejarah tuntutan rendah atau sanggup menanggung kos lebih tinggi untuk premium lebih rendah.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Voluntary_Excess_Rendah\"><\/span><strong>Voluntary Excess Rendah<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Premium Lebih Tinggi:<\/strong> Premium meningkat apabila excess rendah.<br><\/li><li><strong>Kos Sendiri Lebih Rendah:<\/strong> Bayaran semasa membuat tuntutan lebih minima.<br><\/li><li><strong>Sesuai Untuk:<\/strong> Pemandu yang mahukan kos lebih mudah diramal dan risiko kos tinggi diminimakan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Faktor_Yang_Perlu_Dipertimbangkan\"><\/span><strong>Faktor Yang Perlu Dipertimbangkan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Kekerapan Tuntutan:<\/strong> Jika jarang membuat tuntutan, excess tinggi mungkin lebih jimat.<br><\/li><li><strong>Kesediaan Kewangan:<\/strong> Pastikan anda mampu menampung jumlah excess jika diperlukan.<br><\/li><li><strong>Nilai Kenderaan:<\/strong> Untuk kereta lama, excess tinggi mungkin lebih masuk akal berbanding nilai pasaran kereta.<br><\/li><li><strong>Terma Polisi:<\/strong> Sesetengah insurer mengehadkan kesan untuk tuntutan tertentu.<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=\"58852\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/voluntary-excess-tinggi-vs-rendah-mana-lebih-berbaloi\/attachment\/3-151-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-151.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=\"3-151\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-151.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-151.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\/3-151.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan perbezaan antara voluntary excess tinggi dan rendah, termasuk premium, kos sendiri, dan kesesuaian.\" class=\"wp-image-58852\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-151.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-151.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-151.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-151.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-151.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><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Memilih <strong>voluntary excess tinggi atau rendah<\/strong> bergantung kepada <strong>toleransi risiko, sejarah tuntutan, kesediaan kewangan, dan nilai kenderaan<\/strong>. Dengan menilai premium berbanding kos sendiri semasa tuntutan, pemandu boleh memilih pilihan yang paling berbaloi mengikut keadaan mereka.<\/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=voluntary-excess-tinggi-vs-rendah--mana-lebih-berbaloi\" 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\/insurans-kereta\/kos-sebenar-kemalangan-jika-insurans-tolak-tuntutan\">Kos Sebenar Kemalangan Jika Insurans Tolak Tuntutan<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-lengkap-endorsement-insurans-kereta\">Panduan Lengkap Endorsement Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/info\/menyelenggara-radiator-kereta-untuk-elak-kerosakan-mahal\">Menyelenggara Radiator Kereta Untuk Elak Kerosakan Mahal<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Memilih antara voluntary excess tinggi atau rendah boleh menjejaskan premium insurans kereta dan kos tuntutan. Ketahui bagaimana membuat pilihan yang paling berbaloi.<\/p>\n","protected":false},"author":31,"featured_media":58851,"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>Voluntary Excess Tinggi vs Rendah \u2013 Mana Lebih Berbaloi | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Voluntary Excess Tinggi vs Rendah \u2013 Mana Lebih Berbaloi Sebelum Buat Pilihan Pembelian Insurans Kereta.\" \/>\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\/voluntary-excess-tinggi-vs-rendah-mana-lebih-berbaloi\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Voluntary Excess Tinggi vs Rendah \u2013 Mana Lebih Berbaloi | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Voluntary Excess Tinggi vs Rendah \u2013 Mana Lebih Berbaloi Sebelum Buat Pilihan Pembelian Insurans Kereta.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/voluntary-excess-tinggi-vs-rendah-mana-lebih-berbaloi\" \/>\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=\"2025-12-23T15:59:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-23T15:59:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/Voluntary-Excess-Tinggi-vs-Rendah-\u2013-Mana-Lebih-Berbaloi.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1708\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\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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