{"id":59547,"date":"2026-04-18T12:00:00","date_gmt":"2026-04-18T04:00:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59547"},"modified":"2026-04-18T02:51:49","modified_gmt":"2026-04-17T18:51:49","slug":"claim-insurans-kereta-dah-lulus-tapi-bayaran-kurang","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-kereta-dah-lulus-tapi-bayaran-kurang","title":{"rendered":"Claim Insurans Kereta Dah Lulus Tapi Bayaran Kurang?"},"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-69f502e9a0ee1\" 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-69f502e9a0ee1\"><\/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\/claim-insurans-kereta-dah-lulus-tapi-bayaran-kurang\/#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\/claim-insurans-kereta-dah-lulus-tapi-bayaran-kurang\/#Senarai_Faktor_Bayaran_Claim_Kurang\" title=\"Senarai Faktor Bayaran Claim Kurang\">Senarai Faktor Bayaran Claim Kurang<\/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\/claim-insurans-kereta-dah-lulus-tapi-bayaran-kurang\/#Bagaimana_Ia_Mempengaruhi_Jumlah_Bayaran\" title=\"Bagaimana Ia Mempengaruhi Jumlah Bayaran\">Bagaimana Ia Mempengaruhi Jumlah Bayaran<\/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\/claim-insurans-kereta-dah-lulus-tapi-bayaran-kurang\/#FAQ\" title=\"FAQ\">FAQ<\/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\/claim-insurans-kereta-dah-lulus-tapi-bayaran-kurang\/#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>Claim insurans kereta dah lulus tapi bayaran kurang adalah situasi yang sering berlaku dan boleh menyebabkan kekeliruan kepada pemilik kenderaan. Ramai beranggapan bahawa kelulusan claim bermaksud bayaran akan diterima sepenuhnya mengikut kos pembaikan. Namun, jumlah sebenar yang dibayar bergantung kepada struktur polisi serta beberapa potongan yang telah ditetapkan dalam kontrak insurans.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Senarai_Faktor_Bayaran_Claim_Kurang\"><\/span><strong>Senarai Faktor Bayaran Claim Kurang<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Excess (Tolak Tuntutan)<\/strong><strong><br><\/strong> Jumlah tetap yang perlu ditanggung sendiri sebelum pihak insurans menanggung baki kos pembaikan.<\/li><li><strong>Susut Nilai (Depreciation)<\/strong><strong><br><\/strong> Nilai alat ganti akan dikurangkan berdasarkan usia kenderaan, menyebabkan bayaran tidak penuh.<\/li><li><strong>Had Polisi (Policy Limit)<\/strong><strong><br><\/strong> Setiap polisi mempunyai had tertentu untuk komponen atau jumlah tuntutan.<\/li><li><strong>Caj Betterment<\/strong><strong><br><\/strong> Caj tambahan dikenakan apabila alat ganti baharu dipasang pada kenderaan lama.<\/li><li>Perkara Tidak Dilindungi Polisi<br>Aksesori atau komponen tertentu mungkin tidak termasuk dalam perlindungan insurans.<\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59562\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-kereta-dah-lulus-tapi-bayaran-kurang\/attachment\/6-5-5\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/6-5.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" 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=\"6-5\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/6-5.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/6-5.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\/04\/6-5.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik bertajuk &quot;Faktor Tuntutan Insurans Tidak Dibayar Penuh&quot; ini menghuraikan lima alasan utama mengapa pampasan insurans kenderaan mungkin berkurangan, merangkumi konsep &quot;Excess&quot; di mana pemilik menanggung jumlah tetap awal, serta Susut Nilai (Depreciation) dan Caj Betterment yang mengurangkan bayaran berdasarkan usia kenderaan atau penggunaan alat ganti baharu pada kereta lama. Selain itu, ia menjelaskan tentang sekatan Had Polisi yang mengehadkan jumlah tuntutan maksimum bagi komponen tertentu dan pengecualian bagi Perkara Tidak Dilindungi Polisi seperti aksesori tambahan atau sistem stereo yang tidak didaftarkan dalam perlindungan asal.\" class=\"wp-image-59562\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/6-5.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/6-5.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/6-5.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/6-5.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/6-5.jpg?w=1708&amp;ssl=1 1708w\" 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=\"Bagaimana_Ia_Mempengaruhi_Jumlah_Bayaran\"><\/span><strong>Bagaimana Ia Mempengaruhi Jumlah Bayaran<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Walaupun claim diluluskan, bayaran akhir ditentukan berdasarkan prinsip indemnity, iaitu pampasan berdasarkan kerugian sebenar dan bukannya kos penuh tanpa potongan.<\/p>\n\n\n\n<p>Contoh pengiraan mudah:<\/p>\n\n\n\n<ul><li>Kos pembaikan: RM5,000<\/li><li>Excess: RM500<\/li><li>Susut nilai: RM800<\/li><\/ul>\n\n\n\n<p>Jumlah bayaran akhir: RM3,700<\/p>\n\n\n\n<p>Ini menunjukkan bahawa perbezaan antara kos pembaikan dan jumlah payout adalah normal mengikut terma polisi yang telah dipersetujui.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ\"><\/span><strong>FAQ<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Kenapa claim insurans lulus tapi bayaran kurang?<\/strong><strong><br><\/strong> Kerana terdapat potongan seperti excess, susut nilai, dan had polisi.<\/li><li><strong>Adakah insurans wajib bayar penuh kos pembaikan?<\/strong><strong><br><\/strong> Tidak, bayaran bergantung kepada terma dan jenis perlindungan dalam polisi.<\/li><li><strong>Apa maksud excess dalam insurans kereta?<\/strong><strong><br><\/strong> Ia ialah jumlah yang perlu ditanggung sendiri sebelum insurans membayar baki kos.<\/li><li><strong>Boleh ke kurangkan potongan dalam claim?<\/strong><strong><br><\/strong> Boleh, dengan memilih polisi yang lebih komprehensif atau tambahan perlindungan tertentu.<\/li><li><strong>Adakah semua komponen akan dikenakan susut nilai?<\/strong><strong><br><\/strong> Tidak semua, tetapi kebanyakan alat ganti tertakluk kepada susut nilai.<\/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>Claim insurans kereta dah lulus tapi bayaran kurang biasanya berlaku disebabkan struktur polisi seperti excess, susut nilai, dan had perlindungan. Memahami bagaimana pengiraan ini dibuat membantu pemilik kenderaan lebih jelas tentang jumlah sebenar yang akan diterima dan mengelakkan salah faham ketika membuat tuntutan.<\/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=claim-insurans-kereta-dah-lulus-tapi-bayaran-kurang\" 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\/perbezaan-all-driver-dan-named-driver-insurans-kereta\">Perbezaan All Driver dan Named Driver Insurans Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-claim-insurans-kereta-di-malaysia\">Cara Claim Insurans Kereta di Malaysia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/apa-perlu-disediakan-sebelum-renew-insurans-motosikal\">Apa Perlu Disediakan Sebelum Renew Insurans Motosikal<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Walaupun claim insurans kereta telah diluluskan, bayaran yang diterima kadang-kadang lebih rendah daripada jangkaan. Perkara ini biasanya berpunca daripada potongan seperti excess, depreciation, dan syarat polisi insurans.<\/p>\n","protected":false},"author":31,"featured_media":59559,"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":[3502,26,37,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Claim Insurans Kereta Dah Lulus Tapi Bayaran Kurang? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Claim Insurans Kereta Dah Lulus Tapi Bayaran Kurang? 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