{"id":58923,"date":"2025-12-24T23:12:03","date_gmt":"2025-12-24T15:12:03","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=58923"},"modified":"2025-12-24T23:12:06","modified_gmt":"2025-12-24T15:12:06","slug":"voluntary-excess-dalam-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/voluntary-excess-dalam-insurans-kereta","title":{"rendered":"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-69d79af5b6620\" 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-69d79af5b6620\"><\/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\/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\/voluntary-excess-dalam-insurans-kereta\/#Cara_Voluntary_Excess_Insurans_Berfungsi\" title=\"Cara Voluntary Excess Insurans Berfungsi\">Cara Voluntary Excess Insurans Berfungsi<\/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\/voluntary-excess-dalam-insurans-kereta\/#Tips_untuk_Pemandu\" title=\"Tips untuk Pemandu\">Tips untuk Pemandu<\/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\/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>Voluntary Excess dalam Insurans Kereta<\/strong> adalah jumlah yang anda bersetuju untuk bayar sendiri ketika membuat tuntutan. Di Malaysia, ia merupakan pilihan yang membolehkan pemandu mengurangkan premium insurans kereta sambil berkongsi sebahagian risiko.<\/p>\n\n\n\n<ul><li><strong>Voluntary excess tinggi<\/strong> \u2192 premium lebih rendah<br><\/li><li><strong>Voluntary excess rendah<\/strong> \u2192 premium lebih tinggi<br><\/li><\/ul>\n\n\n\n<p>Memilih tahap <strong>voluntary excess dalam insurans kereta<\/strong> yang sesuai bergantung pada toleransi risiko, tabiat memandu, dan keadaan kewangan anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Cara_Voluntary_Excess_Insurans_Berfungsi\"><\/span><strong>Cara Voluntary Excess Insurans Berfungsi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-vivid-cyan-blue-to-vivid-purple-gradient-background has-background\"><tbody><tr><td><strong>Faktor<\/strong><\/td><td><strong>Penerangan<\/strong><\/td><td><strong>Contoh<\/strong><\/td><td><strong>Nota<\/strong><\/td><\/tr><tr><td>Pengurangan Premium<\/td><td>Memilih excess tinggi menurunkan kos insurans<\/td><td>Cas RM1,500 boleh jimat 10\u201315% premium<\/td><td>Penjimatan bergantung kepada syarikat insurans<\/td><\/tr><tr><td>Tanggung Tuntutan<\/td><td>Anda bayar excess yang dipersetujui dahulu semasa tuntutan<\/td><td>Kos baiki RM3,000, excess RM1,500 \u2192 insurans bayar RM1,500<\/td><td>Pastikan mampu bayar excess<\/td><\/tr><tr><td>Risiko vs Ganjaran<\/td><td>Imbangi antara penjimatan premium dan kos semasa tuntutan<\/td><td>Pemandu risiko rendah mungkin pilih excess tinggi<\/td><td>Pemandu sering tuntut pilih excess rendah<\/td><\/tr><tr><td>Fleksibiliti<\/td><td><strong>Voluntary excess dalam insurans kereta<\/strong> boleh diubah semasa pembaharuan<\/td><td>Tukar excess setiap tahun<\/td><td>Pastikan kelulusan insurans<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"58985\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/voluntary-excess-dalam-insurans-kereta\/attachment\/3-163-3\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-163.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=\"3-163\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-163.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-163.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-163.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan bagaimana voluntary excess mengurangkan premium, perkongsian risiko, dan pertimbangan untuk pemandu.\n\" class=\"wp-image-58985\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-163.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-163.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-163.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-163.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-163.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<h3><span class=\"ez-toc-section\" id=\"Tips_untuk_Pemandu\"><\/span><strong>Tips untuk Pemandu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Pilih tahap voluntary excess yang anda mampu bayar semasa tuntutan.<br><\/li><li>Voluntary excess tinggi boleh jimat wang jika anda jarang membuat tuntutan.<br><\/li><li>Semak pilihan excess semasa pembaharuan polisi.<br><\/li><li>Sentiasa semak peraturan syarikat insurans; ada yang hadkan voluntary excess maksimum.<br><\/li><\/ul>\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>Voluntary excess insurans adalah alat berguna untuk menurunkan premium sambil berkongsi sebahagian tanggungjawab kewangan. Pemandu di Malaysia boleh mengimbangi penjimatan dan risiko dengan memilih tahap voluntary excess yang sesuai mengikut tabiat memandu dan sejarah tuntutan 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-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\/insurans-kereta\/polisi-tidak-boleh-dikeluarkan-serta-merta\">Polisi Tidak Boleh Dikeluarkan Serta-Merta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-personal-accident-apa-yang-dilindungi\">Insurans Personal Accident \u2013 Apa yang Dilindungi?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/info\/tekanan-tayar-terlalu-rendah-kesan-pada-kawalan-kenderaan\">Tekanan Tayar Terlalu Rendah \u2013 Kesan Pada Kawalan Kenderaan<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p> Voluntary excess adalah pilihan dalam insurans kereta yang boleh menurunkan premium anda. Ketahui bagaimana ia berfungsi, manfaatnya, dan pertukaran yang perlu dipertimbangkan sebelum memilihnya.<\/p>\n","protected":false},"author":31,"featured_media":58984,"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 dalam Insurans Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Voluntary Excess dalam Insurans Kereta . 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