{"id":59225,"date":"2026-03-05T12:20:19","date_gmt":"2026-03-05T04:20:19","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59225"},"modified":"2026-03-05T17:00:36","modified_gmt":"2026-03-05T09:00:36","slug":"pembaharuan-insurans-kereta-cara-2026-di-malaysia","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/pembaharuan-insurans-kereta-cara-2026-di-malaysia","title":{"rendered":"Pembaharuan Insurans Kereta \u2014 Cara 2026 di Malaysia"},"content":{"rendered":"\n<p>Memperbaharui insurans kereta di Malaysia kini lebih mudah jika anda tahu langkah yang betul. Dengan beberapa langkah ringkas, anda boleh menyemak kelayakan, membandingkan harga, dan memperbaharui polisi dengan cepat secara dalam talian.<\/p>\n\n\n\n<p><strong>Langkah-langkah memperbaharui insurans kereta:<\/strong><\/p>\n\n\n\n<ol><li><strong>Semak Diskaun Tiada Tuntutan (NCD)<\/strong><br>Pastikan kadar NCD anda dan semak sama ada polisi insurans semasa masih aktif.<\/li><li><strong>Bandingkan sebut harga insurans<\/strong><br>Dapatkan dan bandingkan harga daripada beberapa syarikat insurans untuk mencari tawaran terbaik.<\/li><li><strong>Pilih jenis perlindungan<\/strong><br>Tentukan sama ada anda mahu perlindungan <strong>pihak ketiga<\/strong> atau <strong>komprehensif<\/strong> mengikut keperluan.<\/li><li><strong>Lengkapkan pembayaran<\/strong><br>Setelah memilih polisi yang sesuai, buat pembayaran untuk mengaktifkan perlindungan.<\/li><li><strong>Pastikan polisi diterbitkan<\/strong><br>Sahkan polisi insurans telah dikeluarkan sebelum anda memperbaharui roadtax.<\/li><li><strong>Gunakan platform dalam talian<\/strong><br>Untuk proses yang lebih mudah dan pantas, anda boleh menggunakan platform seperti <strong>BJAK<\/strong>.<\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\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-69e969d2c9730\" 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-69e969d2c9730\"><\/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\/pembaharuan-insurans-kereta-cara-2026-di-malaysia\/#Senarai_Semak_Kelayakan_Sebelum_Membaharui_Insurans\" title=\"Senarai Semak Kelayakan Sebelum Membaharui Insurans\">Senarai Semak Kelayakan Sebelum Membaharui Insurans<\/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\/pembaharuan-insurans-kereta-cara-2026-di-malaysia\/#Perkara_Yang_Terjejas_Semasa_Pembaharuan_Insurans\" title=\"Perkara Yang Terjejas Semasa Pembaharuan Insurans\">Perkara Yang Terjejas Semasa Pembaharuan 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\/pembaharuan-insurans-kereta-cara-2026-di-malaysia\/#Cadangan_Perlindungan_dan_Add-On\" title=\"Cadangan Perlindungan dan Add-On\">Cadangan Perlindungan dan Add-On<\/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\/pembaharuan-insurans-kereta-cara-2026-di-malaysia\/#FAQ_%E2%80%94_Pembaharuan_Insurans_Kereta\" title=\"FAQ \u2014 Pembaharuan Insurans Kereta\">FAQ \u2014 Pembaharuan Insurans Kereta<\/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\/pembaharuan-insurans-kereta-cara-2026-di-malaysia\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Senarai_Semak_Kelayakan_Sebelum_Membaharui_Insurans\"><\/span><strong>Senarai Semak Kelayakan Sebelum Membaharui Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pastikan anda memenuhi syarat berikut sebelum pembaharuan:<\/p>\n\n\n\n<ol><li>Polisi masih aktif 2 bulan sebelum tarikh luput atau baru sahaja tamat<br><\/li><li>Kenderaan didaftarkan di bawah <strong>NRIC<\/strong> anda<br><\/li><li>NCD betul dan tidak dipindah atau dibatalkan<br><\/li><li>Tiada sekatan JPJ atau saman tertunggak<br><\/li><li>Tiada tempoh panjang tanpa perlindungan insurans<br><\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59227\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/pembaharuan-insurans-kereta-cara-2026-di-malaysia\/attachment\/2-1-7\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/2-1.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=\"2-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/2-1.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/2-1.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/2-1.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"An image showing a person in a suit using a digital pen to check off items on a transparent, glowing checklist overlaying a laptop. The checklist, written in Malay, highlights several vehicle insurance requirements:\n\nPolicy Status: Policy is active within 2 months of expiry or recently expired.\n\nRegistration: Vehicle must be registered under your NRIC.\n\nNCD Status: No Claims Discount (NCD) is correct and has not been transferred or cancelled.\n\nLegal Standing: No JPJ restrictions or outstanding summonses.\n\nCoverage Continuity: No long periods without insurance coverage.\" class=\"wp-image-59227\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/2-1.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/2-1.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/2-1.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/2-1.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/2-1.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><figcaption><strong>Nota:<\/strong> Kelewatan pembaharuan boleh menurunkan NCD satu tahap. Tuntutan dalam polisi tahun sebelumnya akan menetapkan NCD kepada 0%.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perkara_Yang_Terjejas_Semasa_Pembaharuan_Insurans\"><\/span><strong>Perkara Yang Terjejas Semasa Pembaharuan<\/strong> Insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Membaharui insurans kereta boleh menjejaskan:<\/p>\n\n\n\n<ul><li><strong>Kos premium<\/strong> \u2013 Bergantung pada NCD, rekod tuntutan, dan umur kenderaan<br><\/li><li><strong>Status NCD<\/strong> \u2013 Dikurangkan atau diset semula selepas tuntutan<br><\/li><li><strong>Masa kelulusan<\/strong> \u2013 Segera jika maklumat betul; mungkin lambat jika verifikasi diperlukan<br><\/li><li><strong>Pembaharuan roadtax<\/strong> \u2013 Tidak boleh diperbaharui tanpa insurans aktif<br><\/li><li><strong>Ketersediaan add-on<\/strong> \u2013 Bergantung kepada pelan insurans yang dipilih<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cadangan_Perlindungan_dan_Add-On\"><\/span><strong>Cadangan Perlindungan dan Add-On<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bagi pemilik kereta persendirian, <strong>insurans komprehensif<\/strong> adalah pilihan paling selamat kerana ia melindungi:<\/p>\n\n\n\n<ul><li>Kerosakan sendiri<br><\/li><li>Kecurian<br><\/li><li>Kebakaran<br><\/li><li>Liabiliti pihak ketiga<br><\/li><\/ul>\n\n\n\n<p>Add-on pilihan melalui BJAK termasuk:<\/p>\n\n\n\n<ul><li><strong>VIP Rescue<\/strong> \u2013 Menyediakan penarikan tanpa had jarak (satu bantuan setiap langganan)<br><\/li><li><strong>Key Care<\/strong> \u2013 Menanggung kos penggantian kunci yang hilang atau rosak<br><\/li><li><strong>Warranty<\/strong> \u2013 Meliputi kerosakan enjin dan transmisi untuk kereta sehingga 15 tahun<br><\/li><\/ul>\n\n\n\n<p><strong>Nota:<\/strong> Add-on dipilih selepas memilih syarikat insurans dan bergantung pada pelan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ_%E2%80%94_Pembaharuan_Insurans_Kereta\"><\/span><strong>FAQ \u2014 Pembaharuan Insurans Kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Bila saya boleh membaharui insurans kereta?<\/strong><strong><br><\/strong> Sehingga 60 hari sebelum tamat tempoh untuk mengelakkan masalah saat akhir.<br><\/li><li><strong>Bolehkah saya memperbaharui roadtax tanpa insurans?<\/strong><strong><br><\/strong> Tidak. Insurans aktif diperlukan sebelum memperbaharui roadtax.<br><\/li><li><strong>Apa berlaku jika terlambat membaharui?<\/strong><strong><br><\/strong> Kelewatan boleh menurunkan NCD satu tahap.<br><\/li><li><strong>Bolehkah saya memindah NCD kepada orang lain?<\/strong><strong><br><\/strong> Tidak. NCD hanya boleh dipindah antara kenderaan di bawah <strong>NRIC<\/strong> yang sama.<br><\/li><li><strong>Adakah premium saya meningkat pada 2026?<\/strong><strong><br><\/strong> Bergantung pada rekod tuntutan, NCD, umur kenderaan, dan harga syarikat insurans.<br><\/li><li><strong>Adakah bukti insurans digital sah?<\/strong><strong><br><\/strong> Ya. Nota perlindungan digital diterima oleh MyJPJ dan pihak berkuasa lain.<br><\/li><li><strong>Bolehkah saya menukar syarikat insurans semasa pembaharuan?<\/strong><strong><br><\/strong> Ya, tetapi peraturan NCD tetap terpakai.<br><\/li><li><strong>Apa yang perlu dilakukan jika NCD salah?<\/strong><strong><br><\/strong> Sahkan dengan syarikat insurans semasa sebelum membuat pembayaran untuk elak bayaran berlebihan.<br><\/li><\/ol>\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>Membaharui insurans kereta di Malaysia mudah jika mengikuti langkah berikut: semak <strong>NCD<\/strong>, bandingkan harga, pilih perlindungan sesuai, dan lengkapkan pembayaran sebelum roadtax tamat. Langkah ini memastikan pembaharuan lancar, NCD terpelihara, dan kenderaan anda dilindungi sepenuhnya tanpa kelewatan.<\/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=pembaharuan-insurans-kereta-cara-2026-di-malaysia\" 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\/car-insurance\/voluntary-excess-in-car-insurance-how-it-reduces-premiums\">Voluntary Excess in Car Insurance \u2013 How It Reduces Premiums<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/driving-and-charging-habits-effects-on-ev-battery\">Driving and Charging Habits Effects on EV Battery<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/most-important-for-daily-drivers-pa-vs-llop\">Most Important For Daily Drivers \u2013 PA vs LLOP<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Membaharui insurans kereta di Malaysia mudah: semak NCD, bandingkan sebut harga, pilih perlindungan, dan lengkapkan pembayaran sebelum memperbaharui roadtax. Pastikan insurans aktif untuk mengekalkan NCD dan elak kelewatan.<\/p>\n","protected":false},"author":31,"featured_media":59226,"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":[25,26,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pembaharuan Insurans Kereta \u2014 Cara 2026 di Malaysia | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Pembaharuan Insurans Kereta \u2014 Cara 2026 di Malaysia, Langkah Pembaharuan yang Mudahkan Urusan 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\/pembaharuan-insurans-kereta-cara-2026-di-malaysia\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pembaharuan Insurans Kereta \u2014 Cara 2026 di Malaysia | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Pembaharuan Insurans Kereta \u2014 Cara 2026 di Malaysia, Langkah Pembaharuan yang Mudahkan Urusan Anda!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/pembaharuan-insurans-kereta-cara-2026-di-malaysia\" \/>\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=\"2026-03-05T04:20:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-05T09:00:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/1-1.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=\"3 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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