{"id":59501,"date":"2026-04-16T12:44:00","date_gmt":"2026-04-16T04:44:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59501"},"modified":"2026-04-16T01:59:54","modified_gmt":"2026-04-15T17:59:54","slug":"kenapa-motosikal-lama-insurans-lebih-mahal-penjelasan-penuh","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-motosikal\/kenapa-motosikal-lama-insurans-lebih-mahal-penjelasan-penuh","title":{"rendered":"Kenapa Motosikal Lama Insurans Lebih Mahal? Penjelasan Penuh"},"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-69f538301e667\" 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-69f538301e667\"><\/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\/kenapa-motosikal-lama-insurans-lebih-mahal-penjelasan-penuh\/#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-motosikal\/kenapa-motosikal-lama-insurans-lebih-mahal-penjelasan-penuh\/#Kenapa_Motosikal_Lama_Boleh_Lebih_Mahal\" title=\"Kenapa Motosikal Lama Boleh Lebih Mahal\">Kenapa Motosikal Lama Boleh Lebih Mahal<\/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\/kenapa-motosikal-lama-insurans-lebih-mahal-penjelasan-penuh\/#Senarai_Semak_Sebelum_Renew\" title=\"Senarai Semak Sebelum Renew\">Senarai Semak Sebelum Renew<\/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\/kenapa-motosikal-lama-insurans-lebih-mahal-penjelasan-penuh\/#Apa_Yang_Mempengaruhi_Harga_Insurans\" title=\"Apa Yang Mempengaruhi Harga Insurans\">Apa Yang Mempengaruhi Harga Insurans<\/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\/kenapa-motosikal-lama-insurans-lebih-mahal-penjelasan-penuh\/#Strategi_Coverage_Yang_Disarankan\" title=\"Strategi Coverage Yang Disarankan\">Strategi Coverage Yang Disarankan<\/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\/kenapa-motosikal-lama-insurans-lebih-mahal-penjelasan-penuh\/#FAQ_%E2%80%93_Kos_Insurans_Motosikal_Lama\" title=\"FAQ \u2013 Kos Insurans Motosikal Lama\">FAQ \u2013 Kos Insurans Motosikal Lama<\/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-motosikal\/kenapa-motosikal-lama-insurans-lebih-mahal-penjelasan-penuh\/#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 rider hanya sedar tentang isu <strong>kenapa motosikal lama lebih mahal insurans<\/strong> bila tiba masa renewal. Logiknya, motosikal lama patut lebih murah sebab nilai pasaran dah rendah. Tapi realitinya, harga insurans bukan bergantung pada nilai sahaja.<\/p>\n\n\n\n<p>Sebenarnya, insurer kira banyak faktor lain seperti risiko kerosakan, kos pembaikan, kebarangkalian kecurian, dan potensi claim. Disebabkan faktor-faktor ini, motosikal lama kadang-kadang boleh jadi lebih mahal untuk diinsuranskan berbanding model baru.<\/p>\n\n\n\n<p>Walaupun motosikal dijaga dengan baik, penilaian risiko masih berdasarkan statistik keseluruhan, bukan hanya keadaan individu.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kenapa_Motosikal_Lama_Boleh_Lebih_Mahal\"><\/span><strong>Kenapa Motosikal Lama Boleh Lebih Mahal<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"has-medium-font-size\"><li><strong>Risiko Kerosakan Lebih Tinggi<\/strong><\/li><\/ul>\n\n\n\n<p>Motosikal lama lebih terdedah kepada masalah mekanikal:<\/p>\n\n\n\n<ul><li>Lebih kerap rosak<\/li><li>Risiko kemalangan akibat kegagalan komponen<\/li><li>Kebarangkalian claim meningkat<\/li><\/ul>\n\n\n\n<ul class=\"has-medium-font-size\"><li><strong>Alat Ganti Terhad<\/strong><\/li><\/ul>\n\n\n\n<p>Untuk model lama:<\/p>\n\n\n\n<ul><li>Spare parts mungkin susah dapat<\/li><li>Harga alat ganti jadi lebih mahal<\/li><li>Claim jadi lebih tinggi untuk insurer<\/li><\/ul>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Pembaikan Lebih Rumit<\/strong><\/p>\n\n\n\n<ul><li>Sistem enjin lama kurang standard<\/li><li>Workshop mungkin ambil masa lebih lama<\/li><li>Kos buruh meningkat<\/li><\/ul>\n\n\n\n<ul class=\"has-medium-font-size\"><li><strong>Risiko Kecurian<\/strong><\/li><\/ul>\n\n\n\n<p>Sesetengah motosikal lama:<\/p>\n\n\n\n<ul><li>Mudah dijual semula (hot item)<\/li><li>Sistem keselamatan lebih lemah<\/li><li>Lebih senang jadi target<\/li><\/ul>\n\n\n\n<ul class=\"has-medium-font-size\"><li><strong>Ciri Keselamatan Terhad<\/strong><\/li><\/ul>\n\n\n\n<p>Motosikal lama mungkin tiada:<\/p>\n\n\n\n<ul><li>Sistem brek moden (ABS)<\/li><li>Teknologi kestabilan<br>Ini meningkatkan risiko kemalangan.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59507\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/kenapa-motosikal-lama-insurans-lebih-mahal-penjelasan-penuh\/attachment\/8-2-4\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/8-2.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=\"8-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/8-2.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/8-2.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\/04\/8-2.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"\nInfografik ini bertajuk &quot;5 Faktor Risiko Insurans &amp; Keselamatan Untuk Motosikal Lama&quot; yang menyenaraikan cabaran utama bagi pemilik motosikal berusia melalui lima panel ilustrasi. Faktor pertama ialah risiko kerosakan mekanikal yang membawa kepada kekerapan kerosakan dan peningkatan kebarangkalian tuntutan, diikuti oleh kesukaran mencari alat ganti terhad yang menjadikan kos lebih mahal. Faktor ketiga menyentuh tentang pembaikan yang lebih rumit disebabkan sistem enjin lama dan peningkatan kos buruh, manakala faktor keempat memberi amaran tentang risiko kecurian kerana sistem keselamatan yang lemah menjadikannya sasaran mudah atau &quot;hot item&quot;. Akhir sekali, infografik ini menekankan ketiadaan ciri keselamatan moden seperti sistem brek ABS dan teknologi kestabilan yang secara langsung meningkatkan risiko kemalangan.\" class=\"wp-image-59507\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/8-2.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/8-2.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/8-2.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/8-2.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/8-2.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Senarai_Semak_Sebelum_Renew\"><\/span><strong>Senarai Semak Sebelum Renew<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebelum renew insurans motosikal lama, semak:<\/p>\n\n\n\n<ul><li>Umur dan keadaan motosikal<\/li><li>Kekerapan penggunaan (harian atau jarang)<\/li><li>Rekod claim sebelum ini<\/li><li>Ketersediaan alat ganti<\/li><li>Sama ada perlindungan komprehensif masih sesuai<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Yang_Mempengaruhi_Harga_Insurans\"><\/span><strong>Apa Yang Mempengaruhi Harga Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk motosikal lama, faktor ini biasanya terkesan:<\/p>\n\n\n\n<ul><li>Premium meningkat ikut risk profile<\/li><li>Pilihan coverage mungkin terhad<\/li><li>Add-on tertentu mungkin tak tersedia<\/li><li>Panel workshop mungkin terhad<\/li><li>Pemeriksaan tambahan mungkin diperlukan<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Strategi_Coverage_Yang_Disarankan\"><\/span><strong>Strategi Coverage Yang Disarankan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk motosikal lama:<\/p>\n\n\n\n<ul><li><strong>Comprehensive<\/strong> sesuai jika motosikal masih bernilai atau digunakan kerap<\/li><li><strong>Third party<\/strong> sesuai jika jarang guna atau nilai rendah<\/li><li>Rekod penyelenggaraan boleh bantu dapat kadar lebih baik<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ_%E2%80%93_Kos_Insurans_Motosikal_Lama\"><\/span><strong>FAQ \u2013 Kos Insurans Motosikal Lama<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Motosikal lama mesti lebih mahal ke?<\/strong><strong><br><\/strong> Tidak semestinya, tapi boleh jadi mahal jika risiko tinggi.<\/li><li><strong>Condition motosikal penting tak?<\/strong><strong><br><\/strong> Ya, motosikal yang dijaga rapi mungkin dapat harga lebih baik.<\/li><li><strong>Masih boleh ambil comprehensive?<\/strong><strong><br><\/strong> Boleh, bergantung pada kelulusan insurer.<\/li><li><strong>Kenapa alat ganti penting?<\/strong><strong><br><\/strong> Sebab kos repair akan mempengaruhi jumlah claim.<\/li><li><strong>NCD boleh kurangkan harga?<\/strong><strong><br><\/strong> Ya, NCD tetap membantu walaupun motosikal lama.<\/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>Secara ringkas, <strong>kenapa motosikal lama lebih mahal insurans<\/strong> bukan disebabkan umur semata-mata, tetapi faktor risiko seperti keadaan, alat ganti, dan keselamatan. Faham perkara ini boleh bantu rider buat keputusan lebih bijak, daripada sekadar anggap motosikal lama pasti lebih murah untuk diinsuranskan.<\/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-motosikal-lama-insurans-lebih-mahal-penjelasan-penuh\" 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\/kenapa-sebut-harga-insurans-motosikal-ditolak\">Kenapa Sebut Harga Insurans Motosikal Ditolak<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/cara-renew-roadtax-anda-pada-2026\">Cara Renew Roadtax Anda pada 2026<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-insurers-price-your-car-insurance\">How Insurers Price Your Car Insurance<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Motosikal lama tidak semestinya lebih murah untuk diinsuranskan di Malaysia. Kos insurans bergantung kepada risiko seperti keadaan motosikal, ketersediaan alat ganti, risiko kecurian, dan tahap keselamatan.<\/p>\n","protected":false},"author":31,"featured_media":59513,"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":[26,93,2820,1685],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kenapa Motosikal Lama Insurans Lebih Mahal? Penjelasan Penuh | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Motosikal | Read about: Kenapa Motosikal Lama Insurans Lebih Mahal? 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