{"id":59327,"date":"2026-03-11T14:31:43","date_gmt":"2026-03-11T06:31:43","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59327"},"modified":"2026-03-11T14:31:47","modified_gmt":"2026-03-11T06:31:47","slug":"kenapa-premium-insurans-kereta-sentiasa-berubah","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-premium-insurans-kereta-sentiasa-berubah","title":{"rendered":"Kenapa Premium Insurans Kereta Sentiasa Berubah?"},"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-69e958d386ff3\" 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-69e958d386ff3\"><\/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\/kenapa-premium-insurans-kereta-sentiasa-berubah\/#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\/kenapa-premium-insurans-kereta-sentiasa-berubah\/#Kenapa_Premium_Insurans_Kereta_Berubah_Setiap_Tahun\" title=\"Kenapa Premium Insurans Kereta Berubah Setiap Tahun\">Kenapa Premium Insurans Kereta Berubah Setiap Tahun<\/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\/kenapa-premium-insurans-kereta-sentiasa-berubah\/#Pelarasan_Jumlah_Perlindungan_Sum_Insured\" title=\"Pelarasan Jumlah Perlindungan (Sum Insured)\">Pelarasan Jumlah Perlindungan (Sum Insured)<\/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\/kenapa-premium-insurans-kereta-sentiasa-berubah\/#Diskaun_Tanpa_Tuntutan_NCD\" title=\"Diskaun Tanpa Tuntutan (NCD)\">Diskaun Tanpa Tuntutan (NCD)<\/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\/kenapa-premium-insurans-kereta-sentiasa-berubah\/#Sejarah_Tuntutan\" title=\"Sejarah Tuntutan\">Sejarah Tuntutan<\/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-kereta\/kenapa-premium-insurans-kereta-sentiasa-berubah\/#Add-On_dan_Pilihan_Perlindungan\" title=\"Add-On dan Pilihan Perlindungan\">Add-On dan Pilihan Perlindungan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-premium-insurans-kereta-sentiasa-berubah\/#Model_Harga_Berbeza_Antara_Syarikat_Insurans\" title=\"Model Harga Berbeza Antara Syarikat Insurans\">Model Harga Berbeza Antara Syarikat Insurans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-premium-insurans-kereta-sentiasa-berubah\/#Soalan_Lazim_FAQ\" title=\"Soalan Lazim (FAQ)\">Soalan Lazim (FAQ)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-premium-insurans-kereta-sentiasa-berubah\/#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>Ramai pemilik kenderaan di Malaysia terkejut apabila harga pembaharuan insurans mereka berbeza setiap tahun. Pada satu tahun, kosnya kelihatan berpatutan, tetapi pada tahun berikutnya ia boleh meningkat atau menurun secara tiba-tiba. Situasi di mana dan kenapa <strong>premium insurans kereta sentiasa berubah<\/strong> dan sering mengelirukan pemandu yang menganggap harga insurans akan kekal sama.<\/p>\n\n\n\n<p>Sebenarnya, premium insurans dikira berdasarkan beberapa faktor. Walaupun perubahan yang berlaku kelihatan kecil, perkara seperti maklumat kenderaan atau butiran polisi boleh mempengaruhi jumlah premium yang perlu dibayar semasa pembaharuan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kenapa_Premium_Insurans_Kereta_Berubah_Setiap_Tahun\"><\/span><strong>Kenapa Premium Insurans Kereta Berubah Setiap Tahun<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Premium insurans kereta tidak ditetapkan secara tetap. Syarikat insurans akan mengira premium berdasarkan tahap risiko, nilai kenderaan, dan butiran polisi semasa pembaharuan dibuat.<\/p>\n\n\n\n<p>Beberapa faktor boleh menyebabkan <strong>premium insurans kereta berubah<\/strong>, walaupun anda tidak mengubah perlindungan polisi anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pelarasan_Jumlah_Perlindungan_Sum_Insured\"><\/span><strong>Pelarasan Jumlah Perlindungan (Sum Insured)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Salah satu sebab paling biasa perubahan premium ialah jumlah perlindungan atau <strong>sum insured<\/strong>.<\/p>\n\n\n\n<p>Jumlah ini mewakili anggaran nilai pasaran kereta anda. Oleh kerana kenderaan akan menyusut nilai dari semasa ke semasa, syarikat insurans mungkin akan melaraskan nilai ini apabila polisi diperbaharui.<\/p>\n\n\n\n<p>Jika jumlah perlindungan berkurang akibat susut nilai, premium juga mungkin menjadi lebih rendah. Namun, jika anda meningkatkan nilai perlindungan secara manual, premium kemungkinan akan meningkat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Diskaun_Tanpa_Tuntutan_NCD\"><\/span><strong>Diskaun Tanpa Tuntutan (NCD)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>No Claim Discount (NCD)<\/strong> memainkan peranan penting dalam menentukan jumlah premium.<\/p>\n\n\n\n<p>Pemandu yang tidak membuat sebarang tuntutan sepanjang tempoh polisi akan menerima kadar NCD yang lebih tinggi, yang membantu mengurangkan kos insurans. Sebaliknya, jika tuntutan dibuat, kadar NCD mungkin akan menurun atau kembali ke tahap lebih rendah bergantung pada situasi.<\/p>\n\n\n\n<p>Inilah sebabnya <strong>premium insurans kereta boleh berubah<\/strong>, terutamanya selepas kemalangan atau tuntutan insurans dibuat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Sejarah_Tuntutan\"><\/span><strong>Sejarah Tuntutan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Syarikat insurans juga akan menilai sejarah tuntutan anda semasa mengira premium.<\/p>\n\n\n\n<p>Pemandu yang kerap membuat tuntutan mungkin dianggap sebagai berisiko lebih tinggi. Oleh itu, syarikat insurans mungkin akan melaraskan premium sewajarnya semasa pembaharuan polisi.<\/p>\n\n\n\n<p>Walaupun hanya satu tuntutan dibuat dalam tempoh polisi, ia masih boleh mempengaruhi harga pembaharuan insurans.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Add-On_dan_Pilihan_Perlindungan\"><\/span><strong>Add-On dan Pilihan Perlindungan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Perlindungan tambahan atau <strong>add-on<\/strong> juga boleh mempengaruhi premium insurans anda.<\/p>\n\n\n\n<p>Antara contoh perlindungan tambahan termasuk:<\/p>\n\n\n\n<ul><li>Perlindungan cermin kereta<br><\/li><li>Perlindungan bencana khas (special perils)<br><\/li><li>Pemandu tambahan yang dinamakan<br><\/li><li>Add-on polisi lain<br><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59341\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-premium-insurans-kereta-sentiasa-berubah\/attachment\/4-4-7\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-4.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=\"4-4\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-4.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-4.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-4.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Ilustrasi 3D seorang lelaki Malaysia yang sedang berfikir di dalam kereta. Di sebelah kepalanya terdapat gelembung fikiran besar yang terbahagi kepada empat bahagian: Perlindungan cermin kereta, Perlindungan bencana khas (special perils), Pemandu tambahan yang dinamakan, dan Add-on polisi lain. Setiap bahagian disertakan dengan ikon grafik yang relevan.\" class=\"wp-image-59341\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-4.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-4.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-4.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-4.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4-4.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><figcaption>Menambah atau membuang pilihan perlindungan ini boleh menyebabkan perubahan pada premium insurans kereta semasa pembaharuan.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Model_Harga_Berbeza_Antara_Syarikat_Insurans\"><\/span><strong>Model Harga Berbeza Antara Syarikat Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Satu lagi sebab premium berubah ialah setiap syarikat insurans mempunyai cara pengiraan risiko yang berbeza.<\/p>\n\n\n\n<p>Dua syarikat insurans mungkin menawarkan harga premium yang berbeza untuk kenderaan yang sama kerana mereka menggunakan model harga, kriteria underwriting, dan penilaian risiko yang berbeza.<\/p>\n\n\n\n<p>Inilah sebabnya membandingkan sebut harga sebelum memperbaharui polisi boleh membantu pemandu mendapatkan pilihan yang lebih sesuai.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Soalan_Lazim_FAQ\"><\/span><strong>Soalan Lazim (FAQ)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Kenapa premium insurans kereta saya meningkat tahun ini?<\/strong><strong><br><\/strong> Premium mungkin meningkat disebabkan penurunan NCD, sejarah tuntutan, peningkatan nilai perlindungan, atau perubahan dalam perlindungan polisi.<\/li><li><strong>Adakah premium boleh menurun semasa pembaharuan?<\/strong><strong><br><\/strong> Ya. Jika nilai kereta menurun atau kadar NCD meningkat, premium insurans mungkin menjadi lebih rendah.<\/li><li><strong>Adakah membuat tuntutan mempengaruhi premium?<\/strong><strong><br><\/strong> Ya. Tuntutan boleh mengurangkan NCD, yang boleh menyebabkan premium meningkat pada pembaharuan seterusnya.<\/li><li><strong>Adakah syarikat insurans menawarkan premium yang berbeza?<\/strong><strong><br><\/strong> Ya. Setiap syarikat insurans menggunakan model harga yang berbeza, sebab itu sebut harga boleh berbeza.<\/li><li><strong>Adakah menambah perlindungan akan meningkatkan kos insurans?<\/strong><strong><br><\/strong> Ya. Add-on tambahan atau had perlindungan yang lebih tinggi biasanya akan meningkatkan jumlah premium.<\/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>Memahami kenapa <strong>premium insurans kereta sentiasa berubah<\/strong> boleh membantu pemandu membuat keputusan yang lebih baik semasa pembaharuan polisi. Faktor seperti NCD, sejarah tuntutan, nilai kenderaan, dan pilihan perlindungan semuanya boleh mempengaruhi jumlah premium akhir. Dengan menyemak butiran polisi dan membandingkan sebut harga sebelum memperbaharui insurans, anda boleh memastikan perlindungan yang dipilih sesuai dengan keperluan kenderaan anda.<\/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=kenapa-premium-insurans-kereta-sentiasa-berubah\" 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-motosikal\/memahami-tuntutan-insurans-motosikal-di-malaysia\">Memahami Tuntutan Insurans Motosikal di Malaysia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-2026-di-malaysia\">Cara Semak NCD 2026 di Malaysia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/pembaharuan-insurans-kereta-cara-2026-di-malaysia\">Pembaharuan Insurans Kereta \u2014 Cara 2026 di Malaysia<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ketahui sebab premium insurans kereta berubah setiap tahun dan faktor yang mempengaruhi harga pembaharuan di Malaysia.<\/p>\n","protected":false},"author":31,"featured_media":59340,"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":[26,243,172],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kenapa Premium Insurans Kereta Sentiasa Berubah? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Kenapa Premium Insurans Kereta Sentiasa Berubah? 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