{"id":59235,"date":"2026-03-05T12:56:08","date_gmt":"2026-03-05T04:56:08","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59235"},"modified":"2026-03-05T17:07:02","modified_gmt":"2026-03-05T09:07:02","slug":"memahami-tuntutan-insurans-motosikal-di-malaysia","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-motosikal\/memahami-tuntutan-insurans-motosikal-di-malaysia","title":{"rendered":"Memahami Tuntutan Insurans Motosikal di Malaysia"},"content":{"rendered":"\n<p>Memahami tuntutan insurans motosikal di Malaysia penting kerana ramai pemandu beranggapan sistem ini tidak adil. Sebenarnya, tuntutan insurans bergantung kepada <strong>kesalahan dan tanggungjawab<\/strong>, bukan jenis kenderaan. Jika penunggang motosikal terlibat dalam kemalangan disebabkan oleh kereta, penunggang boleh menuntut daripada insurans pihak ketiga kereta. Jika kereta rosak akibat kesalahan penunggang motosikal, pemilik kereta boleh menuntut daripada insurans pihak ketiga motosikal. Kekeliruan biasanya berlaku kerana cara siasatan menentukan tanggungjawab, bukan kerana hak tuntutan berbeza.<\/p>\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-69e97f398962c\" 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-69e97f398962c\"><\/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-motosikal\/memahami-tuntutan-insurans-motosikal-di-malaysia\/#Bagaimana_Tuntutan_Motosikal_vs_Kereta_Berfungsi\" title=\"Bagaimana Tuntutan Motosikal vs Kereta Berfungsi\">Bagaimana Tuntutan Motosikal vs Kereta Berfungsi<\/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-motosikal\/memahami-tuntutan-insurans-motosikal-di-malaysia\/#Senarai_Semak_Kelayakan_Sebelum_Membuat_Tuntutan\" title=\"Senarai Semak Kelayakan Sebelum Membuat Tuntutan\">Senarai Semak Kelayakan Sebelum Membuat Tuntutan<\/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-motosikal\/memahami-tuntutan-insurans-motosikal-di-malaysia\/#Perkara_Yang_Terjejas_dalam_Tuntutan_Berkaitan_Motosikal\" title=\"Perkara Yang Terjejas dalam Tuntutan Berkaitan Motosikal\">Perkara Yang Terjejas dalam Tuntutan Berkaitan Motosikal<\/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-motosikal\/memahami-tuntutan-insurans-motosikal-di-malaysia\/#Strategi_Perlindungan_Disyorkan\" title=\"Strategi Perlindungan Disyorkan\">Strategi Perlindungan Disyorkan<\/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-motosikal\/memahami-tuntutan-insurans-motosikal-di-malaysia\/#FAQ_%E2%80%93_Tuntutan_Motosikal_vs_Kereta\" title=\"FAQ \u2013 Tuntutan Motosikal vs Kereta\">FAQ \u2013 Tuntutan Motosikal vs Kereta<\/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-motosikal\/memahami-tuntutan-insurans-motosikal-di-malaysia\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_Tuntutan_Motosikal_vs_Kereta_Berfungsi\"><\/span><strong>Bagaimana Tuntutan Motosikal vs Kereta Berfungsi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Di Malaysia, setiap kenderaan mesti mempunyai sekurang-kurangnya insurans pihak ketiga. Pihak yang terbukti bersalah membayar melalui syarikat insurans mereka.<\/p>\n\n\n\n<p><strong>Jika kereta bersalah:<\/strong><\/p>\n\n\n\n<ul><li>Penunggang motosikal menuntut daripada insurans pihak ketiga kereta<br><\/li><li>Pemilik kereta boleh menuntut melalui polisi komprehensif sendiri (jika ada)<br><\/li><\/ul>\n\n\n\n<p><strong>Jika motosikal bersalah:<\/strong><\/p>\n\n\n\n<ul><li>Pemilik kereta menuntut daripada insurans pihak ketiga motosikal<br><\/li><li>Penunggang motosikal boleh menuntut melalui polisi sendiri jika dilindungi<br><\/li><\/ul>\n\n\n\n<p>Tiada peraturan menghalang kereta menuntut terhadap insurans motosikal. Yang penting ialah <strong>laporan polis dan penentuan kesalahan<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Senarai_Semak_Kelayakan_Sebelum_Membuat_Tuntutan\"><\/span><strong>Senarai Semak Kelayakan Sebelum Membuat Tuntutan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pastikan syarat berikut dipenuhi:<\/p>\n\n\n\n<ul><li>Laporan polis dibuat dalam 24 jam<br><\/li><li>Polisi insurans aktif semasa kemalangan<br><\/li><li>Maklumat kemalangan jelas dan bukti lengkap<br><\/li><li>Pemilikan kenderaan sepadan dengan pemegang polisi<br><\/li><\/ul>\n\n\n\n<p>Jika kesalahan dipertikaikan, syarikat insurans akan melakukan <strong>siasatan lanjut<\/strong> sebelum meluluskan tuntutan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perkara_Yang_Terjejas_dalam_Tuntutan_Berkaitan_Motosikal\"><\/span><strong>Perkara Yang Terjejas dalam Tuntutan Berkaitan Motosikal<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Faktor berikut boleh berubah bergantung kepada keputusan tuntutan:<\/p>\n\n\n\n<ul><li><strong>Status NCD<\/strong> \u2013 Tuntutan kerosakan sendiri menetapkan semula NCD kepada 0%<br><\/li><li><strong>Premium tahun depan<\/strong> \u2013 Lebih tinggi jika NCD hilang<br><\/li><li><strong>Masa kelulusan tuntutan<\/strong> \u2013 Lebih lama jika tanggungjawab dipertikaikan<br><\/li><li><strong>Proses pembaikan<\/strong> \u2013 Lebih cepat melalui polisi sendiri berbanding tuntutan pihak ketiga<br><\/li><li><strong>Bayaran excess<\/strong> \u2013 Mungkin dikenakan bergantung terma polisi<br><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59236\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/memahami-tuntutan-insurans-motosikal-di-malaysia\/attachment\/6-26\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6.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=\"6\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Imej-imej ini memaparkan panduan visual mengenai insurans kenderaan di Malaysia, bermula dengan seorang pemuda di kedai mamak yang kelihatan runsing memikirkan aspek penting seperti Status NCD, Premium tahun depan, Masa kelulusan tuntutan, Proses pembaikan, dan Bayaran excess. Seterusnya, satu grafik bermaklumat menjelaskan perkara yang terjejas oleh No Claims Discount (NCD) termasuk kos premium, perbandingan harga pembaharuan, kelulusan pemindahan atau polisi, serta kos selepas tuntutan. Akhir sekali, terdapat senarai semak digital bagi pembaharuan insurans yang menekankan keperluan status polisi yang aktif, pendaftaran kenderaan di bawah NRIC pemilik, ketepatan NCD, ketiadaan sekatan JPJ atau saman, serta kesinambungan tempoh perlindungan insurans.\" class=\"wp-image-59236\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Jika tuntutan dibuat melalui polisi komprehensif sendiri terlebih dahulu, syarikat insurans mungkin menuntut balik daripada pihak lain melalui <strong>subrogasi<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Strategi_Perlindungan_Disyorkan\"><\/span><strong>Strategi Perlindungan Disyorkan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Bagi pemilik kereta:<\/strong><\/p>\n\n\n\n<ul><li>Komprehensif memberi pembaikan lebih cepat melalui polisi sendiri<br><\/li><li>Pihak ketiga sahaja bergantung sepenuhnya pada insurans pihak lain<br><\/li><\/ul>\n\n\n\n<p><strong>Bagi pemilik motosikal:<\/strong><\/p>\n\n\n\n<ul><li>Pertimbangkan komprehensif jika motosikal bernilai tinggi<br><\/li><li>Pihak ketiga sahaja menghadkan perlindungan hanya kepada liabiliti<br><\/li><\/ul>\n\n\n\n<p>Memilih premium paling rendah tidak semestinya pilihan terbaik jangka panjang.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ_%E2%80%93_Tuntutan_Motosikal_vs_Kereta\"><\/span><strong>FAQ \u2013 Tuntutan Motosikal vs Kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Bolehkah motosikal menuntut terhadap insurans kereta?<\/strong><strong><br><\/strong> Ya, jika kereta terbukti bersalah.<br><\/li><li><strong>Bolehkah kereta menuntut terhadap insurans motosikal?<\/strong><strong><br><\/strong> Ya, jika penunggang motosikal terbukti bersalah.<br><\/li><li><strong>Mengapa ramai fikir sistem berat sebelah?<\/strong><strong><br><\/strong> Kerana motosikal dianggap pengguna jalan yang lemah, dan keputusan tanggungjawab mungkin memihak mereka jika bukti tidak jelas.<br><\/li><li><strong>Adakah tuntutan menjejaskan NCD?<\/strong><strong><br><\/strong> Ya, sebarang tuntutan kerosakan sendiri menetapkan NCD kepada 0%.<br><\/li><li><strong>Bagaimana jika kedua-dua pihak bersalah separa?<\/strong><strong><br><\/strong> Tanggungjawab boleh dikongsi dan pampasan diselaraskan.<br><\/li><li><strong>Adakah laporan polis wajib?<\/strong><strong><br><\/strong> Ya, tanpa laporan polis, kebanyakan insurans tidak memproses tuntutan pihak ketiga.<br><\/li><li><strong>Adakah lebih cepat menuntut melalui insurans sendiri?<\/strong><strong><br><\/strong> Biasanya ya, jika polisi komprehensif dimiliki.<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>Kesimpula<\/strong>n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Memahami tuntutan insurans motosikal di Malaysia ditentukan berdasarkan kesalahan, bukan jenis kenderaan. Kereta dan motosikal boleh menuntut antara satu sama lain melalui insurans pihak ketiga jika terbukti bersalah. Memahami cara tanggungjawab ditentukan membantu mengelakkan salah faham dan memilih perlindungan yang sesuai sebelum kemalangan berlaku.<\/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-tuntutan-insurans-motosikal-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\/insurans-kereta\/proses-insurans-bagi-pemilik-yang-telah-meninggal\">Proses Insurans Bagi Pemilik Yang Telah Meninggal<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/voluntary-excess-dalam-insurans-kereta\">Voluntary Excess dalam Insurans Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/kesan-tabiat-memandu-cas-terhadap-bateri-ev\">Kesan Tabiat Memandu &amp; Cas Terhadap Bateri EV<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tuntutan motosikal di Malaysia bergantung kepada kesalahan, bukan jenis kenderaan. Kereta dan motosikal boleh menuntut antara satu sama lain melalui insurans pihak ketiga jika terbukti bersalah. Laporan polis dan bukti jelas adalah penting.<\/p>\n","protected":false},"author":31,"featured_media":59237,"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":[641],"tags":[26,633,3016],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Memahami Tuntutan Insurans Motosikal di Malaysia | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Motosikal | Read about: Memahami Tuntutan Insurans Motosikal di Malaysia Bagi Urusan Tuntutan yang Lancar!\" \/>\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-motosikal\/memahami-tuntutan-insurans-motosikal-di-malaysia\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Memahami Tuntutan Insurans Motosikal di Malaysia | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Motosikal | Read about: Memahami Tuntutan Insurans Motosikal di Malaysia Bagi Urusan Tuntutan yang Lancar!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/memahami-tuntutan-insurans-motosikal-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=\"2026-03-05T04:56:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-05T09:07:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/5.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=\"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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