{"id":59672,"date":"2026-04-24T20:29:46","date_gmt":"2026-04-24T12:29:46","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59672"},"modified":"2026-04-24T20:29:49","modified_gmt":"2026-04-24T12:29:49","slug":"insurans-motosikal-rider-penghantaran-adakah-dilindungi","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-motosikal\/insurans-motosikal-rider-penghantaran-adakah-dilindungi","title":{"rendered":"Insurans Motosikal Rider Penghantaran \u2014 Adakah Dilindungi?"},"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-69f516044c620\" 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-69f516044c620\"><\/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\/insurans-motosikal-rider-penghantaran-adakah-dilindungi\/#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\/insurans-motosikal-rider-penghantaran-adakah-dilindungi\/#Apa_Yang_Perlu_Disemak_Sekarang\" title=\"Apa Yang Perlu Disemak Sekarang\">Apa Yang Perlu Disemak Sekarang<\/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\/insurans-motosikal-rider-penghantaran-adakah-dilindungi\/#Masalah_Utama\" title=\"Masalah Utama\">Masalah Utama<\/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\/insurans-motosikal-rider-penghantaran-adakah-dilindungi\/#Apa_Jadi_Dalam_Kemalangan_Sebenar\" title=\"Apa Jadi Dalam Kemalangan Sebenar\">Apa Jadi Dalam Kemalangan Sebenar<\/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\/insurans-motosikal-rider-penghantaran-adakah-dilindungi\/#Cara_Dapatkan_Perlindungan_Yang_Betul\" title=\"Cara Dapatkan Perlindungan Yang Betul\">Cara Dapatkan Perlindungan Yang Betul<\/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\/insurans-motosikal-rider-penghantaran-adakah-dilindungi\/#Realiti_Kos\" title=\"Realiti Kos\">Realiti Kos<\/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\/insurans-motosikal-rider-penghantaran-adakah-dilindungi\/#Bagaimana_Ia_Terjejas_What_Affects_Your_Coverage\" title=\"Bagaimana Ia Terjejas (What Affects Your Coverage)\">Bagaimana Ia Terjejas (What Affects Your Coverage)<\/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-motosikal\/insurans-motosikal-rider-penghantaran-adakah-dilindungi\/#Rider_Sambilan_Pun_Terlibat\" title=\"Rider Sambilan Pun Terlibat\">Rider Sambilan Pun Terlibat<\/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-motosikal\/insurans-motosikal-rider-penghantaran-adakah-dilindungi\/#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-10\" href=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/insurans-motosikal-rider-penghantaran-adakah-dilindungi\/#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><strong>Insurans motosikal rider penghantaran<\/strong> sering disalah faham, terutamanya bila anda rasa sudah dilindungi hanya kerana ada polisi aktif.<\/p>\n\n\n\n<p>Anda menunggang berjam-jam setiap hari untuk hantar makanan atau barang. Anda bayar insurans setiap tahun. Secara logik, anda rasa semuanya cover.<\/p>\n\n\n\n<p>Tapi realitinya: untuk kebanyakan rider di Malaysia, perlindungan itu mungkin tidak mencukupi \u2014 dan jurang ini hanya disedari bila claim ditolak.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Yang_Perlu_Disemak_Sekarang\"><\/span><strong>Apa Yang Perlu Disemak Sekarang<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebelum pergi lebih jauh, semak tiga perkara ini dalam polisi anda:<\/p>\n\n\n\n<ul><li><strong>Jenis polisi<\/strong> \u2014 adakah kegunaan peribadi sahaja atau termasuk komersial?<\/li><li><strong>Perlindungan platform<\/strong> \u2014 apa yang disediakan oleh Grab, foodpanda, atau Shopee<\/li><li><strong>Perlindungan kemalangan diri (PA)<\/strong> \u2014 sama ada anda ada add-on ini atau tidak<\/li><\/ul>\n\n\n\n<p>Kalau anda tak pasti jawapan untuk mana-mana di atas, itu sendiri sudah satu tanda risiko.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Masalah_Utama\"><\/span><strong>Masalah Utama<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kebanyakan rider bermula dengan polisi paling murah \u2014 biasanya <strong>third-party kegunaan peribadi<\/strong>.<\/p>\n\n\n\n<p>Masalahnya:<\/p>\n\n\n\n<ul><li>Polisi ini hanya cover kerosakan kepada pihak ketiga<\/li><li>Ia direka untuk kegunaan peribadi sahaja<\/li><li>Ia tidak sah untuk aktiviti komersial seperti delivery<\/li><\/ul>\n\n\n\n<p>Bila anda guna motosikal untuk jana pendapatan, anda sebenarnya sudah melanggar terma polisi.<\/p>\n\n\n\n<p>Jika kemalangan berlaku semasa delivery, insurer boleh:<\/p>\n\n\n\n<ul><li>Siasat penggunaan motosikal<\/li><li>Dapati ia digunakan untuk komersial<\/li><li>Tolak claim sepenuhnya<\/li><\/ul>\n\n\n\n<p>Ini bukan sekadar kemungkinan \u2014 ia memang berlaku dalam kes sebenar.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59685\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku\/attachment\/insurans-motosikal-rider-penghantaran-adakah-dilindungi-2-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Motosikal-Rider-Penghantaran-Adakah-Dilindungi-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=\"Insurans Motosikal Rider Penghantaran &#8211; Adakah Dilindungi (2)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Motosikal-Rider-Penghantaran-Adakah-Dilindungi-2.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Motosikal-Rider-Penghantaran-Adakah-Dilindungi-2.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\/04\/Insurans-Motosikal-Rider-Penghantaran-Adakah-Dilindungi-2.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik yang menerangkan risiko penggunaan polisi insurans motosikal paling murah untuk rider penghantaran: kebanyakan rider bermula dengan polisi third-party kegunaan peribadi yang hanya melindungi kerosakan kepada pihak ketiga dan tidak sah untuk kegunaan komersial seperti delivery. Apabila motosikal digunakan untuk menjana pendapatan, ia melanggar terma polisi. Jika kemalangan berlaku semasa penghantaran, insurer boleh menyiasat penggunaan motosikal, mendapati ia digunakan untuk tujuan komersial, dan menolak tuntutan sepenuhnya.\" class=\"wp-image-59685\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Motosikal-Rider-Penghantaran-Adakah-Dilindungi-2.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Motosikal-Rider-Penghantaran-Adakah-Dilindungi-2.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Motosikal-Rider-Penghantaran-Adakah-Dilindungi-2.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Motosikal-Rider-Penghantaran-Adakah-Dilindungi-2.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Motosikal-Rider-Penghantaran-Adakah-Dilindungi-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=\"Apa_Jadi_Dalam_Kemalangan_Sebenar\"><\/span><strong>Apa Jadi Dalam Kemalangan Sebenar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bayangkan situasi ini:<\/p>\n\n\n\n<p>Anda sedang buat delivery dengan Yamaha Y15ZR. Sebuah kereta melanggar anda.<\/p>\n\n\n\n<p>Apa jadi seterusnya?<\/p>\n\n\n\n<ul><li><strong>Kecederaan anda<\/strong><strong><br><\/strong> Platform mungkin cover, tetapi ada had<\/li><li><strong>Motosikal anda<\/strong><strong><br><\/strong> Tidak dilindungi jika polisi anda third-party<br>Atau claim boleh ditolak jika guna untuk komersial<\/li><li><strong>Kerosakan pihak ketiga<\/strong><strong><br><\/strong> Polisi mungkin tidak sah jika penggunaan komersial tidak diisytiharkan<\/li><li><strong>Jika bukan dalam order aktif<\/strong><strong><br><\/strong> Tiada perlindungan dari platform<br>Polisi peribadi masih tidak sesuai<\/li><\/ul>\n\n\n\n<p>Ini situasi di mana rider biasanya sedar mereka sebenarnya tidak dilindungi sepenuhnya.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Dapatkan_Perlindungan_Yang_Betul\"><\/span><strong>Cara Dapatkan Perlindungan Yang Betul<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk kurangkan risiko, ini langkah yang boleh diambil:<\/p>\n\n\n\n<ol><li><strong>Isytihar kegunaan komersial<\/strong><strong><br><\/strong> Maklumkan kepada insurer semasa renewal. Mereka boleh tambah endorsement atau tukar jenis polisi.<\/li><li><strong>Naik taraf ke komprehensif<\/strong><strong><br><\/strong> Jika motosikal masih bernilai, ini lindungi kecurian dan kerosakan sendiri.<\/li><li><strong>Tambah perlindungan kemalangan diri (PA)<\/strong><strong><br><\/strong> Jangan bergantung sepenuhnya pada platform.<\/li><li><strong>Semak terma platform secara berkala<\/strong><strong><br><\/strong> Polisi platform boleh berubah tanpa notis besar.<\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Realiti_Kos\"><\/span><strong>Realiti Kos<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Perbezaan kos antara polisi peribadi dan komersial biasanya sekitar:<\/p>\n\n\n\n<ul><li>Tambahan RM100\u2013300 setahun<\/li><\/ul>\n\n\n\n<p>Untuk rider aktif, ini mungkin kurang daripada pendapatan satu hari.<\/p>\n\n\n\n<p>Bandingkan dengan risiko:<\/p>\n\n\n\n<ul><li>RM5,000+ pembaikan motosikal<\/li><li>RM10,000+ bil perubatan<\/li><li>Liabiliti pihak ketiga yang lebih tinggi<\/li><\/ul>\n\n\n\n<p>Perbezaan kos ini kecil berbanding risiko sebenar.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_Ia_Terjejas_What_Affects_Your_Coverage\"><\/span><strong>Bagaimana Ia Terjejas (What Affects Your Coverage)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Beberapa faktor yang menentukan perlindungan anda:<\/p>\n\n\n\n<ul><li>Jenis penggunaan (peribadi vs komersial)<\/li><li>Jenis polisi (third-party vs komprehensif)<\/li><li>Add-on yang dipilih<\/li><li>Status semasa kemalangan (aktif delivery atau tidak)<\/li><li>Terma platform penghantaran<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Rider_Sambilan_Pun_Terlibat\"><\/span><strong>Rider Sambilan Pun Terlibat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Walaupun anda hanya buat delivery hujung minggu:<\/p>\n\n\n\n<ul><li>Polisi tidak bezakan sepenuh masa atau sambilan<\/li><li>Jika kemalangan berlaku semasa delivery, ia tetap dikira kegunaan komersial<\/li><\/ul>\n\n\n\n<p>Rider sambilan sebenarnya lebih mudah terlepas pandang perkara ini.<\/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>Adakah insurans motosikal peribadi cover kerja delivery?<\/strong><strong><br><\/strong> Tidak. Kebanyakan polisi mengecualikan penggunaan komersial.<\/li><li><strong>Adakah platform seperti Grab sediakan insurans?<\/strong><strong><br><\/strong> Ya, tetapi hanya kemalangan diri dan semasa delivery aktif sahaja.<\/li><li><strong>Bolehkah claim ditolak jika saya sedang buat delivery?<\/strong><strong><br><\/strong> Ya. Jika polisi anda kegunaan peribadi, insurer boleh menolak claim.<\/li><li><strong>Berapa kos tambahan untuk perlindungan komersial?<\/strong><strong><br><\/strong> Sekitar RM100\u2013300 setahun bergantung pada motosikal dan insurer.<\/li><li><strong>Kalau saya rider sambilan sahaja?<\/strong><strong><br><\/strong> Masih dikira kegunaan komersial jika anda sedang buat delivery semasa kemalangan.<\/li><li><strong>Perlu ambil komprehensif atau third-party?<\/strong><strong><br><\/strong> Jika motosikal masih bernilai, komprehensif dengan kegunaan komersial sangat disarankan.<\/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><strong>Insurans motosikal rider penghantaran<\/strong> bukan sekadar ada polisi \u2014 tetapi sama ada polisi itu benar-benar sesuai dengan cara anda gunakan motosikal.<\/p>\n\n\n\n<p>Jika anda menunggang untuk menjana pendapatan, perlindungan peribadi sahaja tidak mencukupi. Jurang kecil dalam polisi boleh menyebabkan kerugian besar apabila claim ditolak.<\/p>\n\n\n\n<p>Semak polisi anda hari ini \u2014 bukan selepas sesuatu 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=insurans-motosikal-rider-penghantaran--adakah-dilindungi\" 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-motosikal-lama-insurans-lebih-mahal-penjelasan-penuh\">Kenapa Motosikal Lama Insurans Lebih Mahal? Penjelasan Penuh<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-awal-vs-last-minute-apa-yang-berubah\">Renew Insurans Awal vs Last Minute, Apa yang Berubah<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-drop-selepas-lewat-renew-insurans-apa-yang-perlu-tahu\">NCD Drop Selepas Lewat Renew Insurans: Apa yang Perlu Tahu<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kebanyakan rider Grab, Foodpanda, dan Shopee guna insurans motosikal peribadi semasa menunggang secara komersial. Jurang itu boleh batalkan claim anda sepenuhnya jika sesuatu berlaku.<\/p>\n","protected":false},"author":31,"featured_media":59684,"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":[26,633,3515],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurans Motosikal Rider Penghantaran \u2014 Adakah Dilindungi? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Motosikal | Read about: Insurans Motosikal Rider Penghantaran \u2014 Adakah Dilindungi? 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