{"id":59330,"date":"2026-03-11T14:31:21","date_gmt":"2026-03-11T06:31:21","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59330"},"modified":"2026-03-11T14:31:26","modified_gmt":"2026-03-11T06:31:26","slug":"perbezaan-antara-excess-dan-deductible-dalam-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/perbezaan-antara-excess-dan-deductible-dalam-insurans-kereta","title":{"rendered":"Perbezaan Antara Excess Dan Deductible 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-69e963b369a1c\" 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-69e963b369a1c\"><\/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\/perbezaan-antara-excess-dan-deductible-dalam-insurans-kereta\/#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\/perbezaan-antara-excess-dan-deductible-dalam-insurans-kereta\/#Apa_Itu_Excess_dalam_Insurans_Kereta\" title=\"Apa Itu Excess dalam Insurans Kereta?\">Apa Itu Excess dalam Insurans Kereta?<\/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\/perbezaan-antara-excess-dan-deductible-dalam-insurans-kereta\/#Apa_Itu_Deductible\" title=\"Apa Itu Deductible?\">Apa Itu Deductible?<\/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\/perbezaan-antara-excess-dan-deductible-dalam-insurans-kereta\/#Perbezaan_Utama_Antara_Excess_dan_Deductible\" title=\"Perbezaan Utama Antara Excess dan Deductible\">Perbezaan Utama Antara Excess dan Deductible<\/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\/perbezaan-antara-excess-dan-deductible-dalam-insurans-kereta\/#Contoh_Situasi_Tuntutan\" title=\"Contoh Situasi Tuntutan\">Contoh Situasi 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\/perbezaan-antara-excess-dan-deductible-dalam-insurans-kereta\/#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-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perbezaan-antara-excess-dan-deductible-dalam-insurans-kereta\/#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>Apabila anda menyemak polisi insurans kereta, anda mungkin akan menemui istilah seperti <strong>excess<\/strong> dan <strong>deductible<\/strong>, lalu tertanya-tanya apakah maksudnya. Istilah ini merujuk kepada jumlah yang perlu dibayar oleh pemegang polisi sebelum syarikat insurans menanggung baki kos pembaikan selepas sesuatu tuntutan dibuat. Memahami <strong>perbezaan antara excess dan deductible dalam insurans kereta<\/strong> membantu pemandu mengelakkan kekeliruan, merancang kewangan dengan lebih baik, dan mengetahui jumlah sebenar yang perlu dibayar apabila membuat tuntutan insurans.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_Excess_dalam_Insurans_Kereta\"><\/span><strong>Apa Itu Excess dalam Insurans Kereta?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Dalam polisi insurans motor di Malaysia, <strong>excess<\/strong> merujuk kepada jumlah yang perlu dibayar terlebih dahulu oleh pemegang polisi sebelum syarikat insurans menanggung baki kos tuntutan.<\/p>\n\n\n\n<p>Sebagai contoh, jika polisi anda menyatakan excess sebanyak <strong>RM400<\/strong> dan kos pembaikan ialah <strong>RM3,000<\/strong>, anda perlu membayar RM400 terlebih dahulu manakala syarikat insurans akan menanggung baki <strong>RM2,600<\/strong>.<\/p>\n\n\n\n<p>Excess biasanya dikenakan dalam situasi tertentu seperti:<\/p>\n\n\n\n<ul><li>Tuntutan yang melibatkan pemandu tidak dinamakan dalam polisi<br><\/li><li>Pemandu di bawah umur tertentu<br><\/li><li>Pemandu yang mempunyai pengalaman memandu yang terhad<br><\/li><li>Syarat lain yang dinyatakan dalam polisi<br><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-attachment-id=\"59343\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perbezaan-antara-excess-dan-deductible-dalam-insurans-kereta\/attachment\/6-4-5\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-4.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=\"6-4\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-4.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-4.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-4.jpg?resize=665%2C420&#038;ssl=1\" alt=\"A close-up of a woman in a yellow hijab looking upward toward four glowing, futuristic 3D digital panels. The panels represent car insurance coverages: 'Pihak Ketiga' (Third Party), 'Kerosakan Sendiri' (Own Damage), 'Kebakaran' (Fire), and 'Kecurian' (Theft), each with a corresponding icon and brief description in Malay.\" class=\"wp-image-59343\" width=\"665\" height=\"420\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-4.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-4.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-4.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-4.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/6-4.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 665px) 100vw, 665px\" data-recalc-dims=\"1\" \/><figcaption>Keperluan ini membantu syarikat insurans mengurus risiko serta menggalakkan pemanduan yang lebih bertanggungjawab.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_Deductible\"><\/span><strong>Apa Itu Deductible?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Istilah <strong>deductible<\/strong> sering digunakan dalam dunia insurans untuk merujuk kepada bahagian kos tuntutan yang perlu dibayar oleh pemegang polisi sebelum syarikat insurans membayar baki selebihnya.<\/p>\n\n\n\n<p>Dalam banyak keadaan, <strong>deductible dan excess digunakan secara bergantian<\/strong> kerana kedua-duanya merujuk kepada bahagian kos tuntutan yang perlu ditanggung oleh pemegang polisi.<\/p>\n\n\n\n<p>Namun, dalam konteks <strong>insurans motor di Malaysia<\/strong>, istilah <strong>excess<\/strong> lebih kerap digunakan dalam dokumen dan terma polisi.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perbezaan_Utama_Antara_Excess_dan_Deductible\"><\/span><strong>Perbezaan Utama Antara Excess dan Deductible<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Walaupun kedua-dua istilah ini kelihatan berbeza, fungsinya sebenarnya hampir sama.<\/p>\n\n\n\n<p>Perbezaan utama biasanya terletak pada istilah yang digunakan serta cara syarikat insurans menerangkan struktur pembayaran dalam polisi.<\/p>\n\n\n\n<p>Dalam polisi insurans motor di Malaysia, <strong>excess<\/strong> biasanya merujuk kepada syarat khusus yang dinyatakan dalam polisi, manakala <strong>deductible<\/strong> ialah istilah yang lebih umum digunakan dalam industri insurans di peringkat antarabangsa.<\/p>\n\n\n\n<p>Dalam praktiknya, kedua-duanya merujuk kepada jumlah yang perlu dibayar oleh pemegang polisi sebelum syarikat insurans menyelesaikan baki tuntutan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Contoh_Situasi_Tuntutan\"><\/span><strong>Contoh Situasi Tuntutan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bayangkan seorang pemandu membuat tuntutan selepas terlibat dalam kemalangan.<\/p>\n\n\n\n<ul><li>Jumlah kos pembaikan: <strong>RM4,000<\/strong><strong><br><\/strong><\/li><li>Excess polisi: <strong>RM400<\/strong><strong><br><\/strong><\/li><\/ul>\n\n\n\n<p>Dalam situasi ini, pemegang polisi perlu membayar <strong>RM400<\/strong>, manakala syarikat insurans akan menanggung baki <strong>RM3,600<\/strong>.<\/p>\n\n\n\n<p>Dengan memahami perbezaan antara <strong>excess dan deductible<\/strong>, pemandu boleh mengetahui jumlah kos yang mungkin perlu dibayar apabila membuat tuntutan insurans.<\/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<p><strong>1. Apakah maksud excess dalam insurans kereta?<\/strong><strong><br><\/strong> Excess ialah jumlah yang perlu dibayar oleh pemegang polisi sebelum syarikat insurans menanggung baki kos pembaikan selepas tuntutan dibuat.<\/p>\n\n\n\n<p><strong>2. Adakah excess sama dengan deductible?<\/strong><strong><br><\/strong> Secara umum, kedua-duanya merujuk kepada konsep yang sama, tetapi polisi insurans motor di Malaysia biasanya menggunakan istilah <strong>excess<\/strong>.<\/p>\n\n\n\n<p><strong>3. Bilakah saya perlu membayar excess?<\/strong><strong><br><\/strong> Excess mungkin dikenakan dalam situasi tertentu seperti tuntutan yang melibatkan pemandu tidak dinamakan, pemandu muda, atau syarat lain yang dinyatakan dalam polisi.<\/p>\n\n\n\n<p><strong>4. Adakah semua tuntutan memerlukan bayaran excess?<\/strong><strong><br><\/strong> Tidak semestinya. Ia bergantung kepada terma polisi dan keadaan tuntutan tersebut.<\/p>\n\n\n\n<p><strong>5. Kenapa syarikat insurans mengenakan excess?<\/strong><strong><br><\/strong> Excess membantu syarikat insurans mengurus risiko serta menggalakkan pemegang polisi memandu dengan lebih bertanggungjawab.<\/p>\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 <strong>perbezaan antara excess dan deductible dalam insurans kereta<\/strong> sangat berguna bagi mana-mana pemilik kenderaan yang ingin memahami polisi insurans motor mereka. Walaupun kedua-dua istilah ini sering digunakan secara bergantian, polisi insurans motor di Malaysia biasanya menggunakan istilah <strong>excess<\/strong> untuk menerangkan jumlah yang perlu dibayar oleh pemegang polisi semasa membuat tuntutan. Mengetahui perkara ini dapat membantu pemandu membuat persediaan kewangan yang lebih baik dan mengelakkan kekeliruan semasa proses tuntutan insurans.<\/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=perbezaan-antara-excess-dan-deductible-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<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-yang-mempengaruhi-premium-insurans-kereta\">Apa Yang Mempengaruhi Premium Insurans Kereta?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/asas-insurans-motosikal-2026\">Asas Insurans Motosikal 2026<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perlindungan-cermin-kereta-siapa-layak\">Perlindungan Cermin Kereta \u2013 Siapa Layak?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ketahui perbezaan excess dan deductible dalam insurans kereta serta kesannya terhadap kos tuntutan di Malaysia.<\/p>\n","protected":false},"author":31,"featured_media":59342,"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":[26,3129,2429,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Perbezaan Antara Excess Dan Deductible Dalam Insurans Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Perbezaan Antara Excess Dan Deductible Dalam Insurans Kereta . 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