{"id":59673,"date":"2026-04-24T20:27:30","date_gmt":"2026-04-24T12:27:30","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59673"},"modified":"2026-04-24T20:27:34","modified_gmt":"2026-04-24T12:27:34","slug":"renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku","title":{"rendered":"Renew Insurans Kereta Ada Saman \u2014 Apa Sebenarnya Berlaku?"},"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-69f5161e76f0c\" 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-69f5161e76f0c\"><\/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\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku\/#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\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku\/#Apa_Yang_Perlu_Disediakan\" title=\"Apa Yang Perlu Disediakan\">Apa Yang Perlu Disediakan<\/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\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku\/#Apa_Yang_Saman_Sebenarnya_Sekat\" title=\"Apa Yang Saman Sebenarnya Sekat\">Apa Yang Saman Sebenarnya Sekat<\/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\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku\/#Cara_Semak_dan_Selesaikan_Saman\" title=\"Cara Semak dan Selesaikan Saman\">Cara Semak dan Selesaikan Saman<\/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\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku\/#Urutan_Renewal_Yang_Betul\" title=\"Urutan Renewal Yang Betul\">Urutan Renewal 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-kereta\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku\/#Bagaimana_Ia_Menjejaskan_Premium_Insurans\" title=\"Bagaimana Ia Menjejaskan Premium Insurans\">Bagaimana Ia Menjejaskan Premium Insurans<\/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\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku\/#Kelayakan_Checklist_Sebelum_Renew\" title=\"Kelayakan &amp; Checklist Sebelum Renew\">Kelayakan &amp; Checklist Sebelum Renew<\/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\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku\/#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-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku\/#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>Renew insurans kereta ada saman<\/strong> sering jadi persoalan bila tiba waktu renewal. Ramai pemandu terus panik, ingat semua proses akan disekat kalau ada saman tertunggak.<\/p>\n\n\n\n<p>Realitinya lebih mudah daripada yang disangka. Anda masih boleh renew insurans seperti biasa \u2014 tetapi ada satu bahagian lain yang biasanya jadi punca masalah, dan ia bukan di bawah insurans.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Yang_Perlu_Disediakan\"><\/span><strong>Apa Yang Perlu Disediakan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebelum mula proses renewal, pastikan anda ada dokumen berikut:<\/p>\n\n\n\n<ul><li>MyKad (IC)<\/li><li>Kad pendaftaran kenderaan (geran) atau salinan<\/li><li>Polisi insurans sebelumnya atau cover note<\/li><li>Peratusan NCD semasa<\/li><\/ul>\n\n\n\n<p>Yang penting: syarikat insurans <strong>tidak menyemak status saman<\/strong> anda. Mereka tiada akses kepada sistem saman, dan ia bukan sebahagian daripada proses renewal.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Yang_Saman_Sebenarnya_Sekat\"><\/span><strong>Apa Yang Saman Sebenarnya Sekat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kekeliruan berlaku kerana ramai gabungkan proses insurans dan road tax. Memang betul kedua-duanya berkait \u2014 tetapi sekatan saman berlaku di peringkat berbeza.<\/p>\n\n\n\n<p><strong>Ini pecahannya:<\/strong><\/p>\n\n\n\n<ul><li><strong>Renewal insurans<\/strong><strong><br><\/strong> Tidak terjejas oleh saman. Anda boleh teruskan dengan mana-mana insurer tanpa masalah.<\/li><li><strong>Renewal road tax<\/strong><strong><br><\/strong> Di sinilah saman jadi isu. Sistem <strong>Jabatan Pengangkutan Jalan (JPJ)<\/strong> akan sekat pembaharuan jika terdapat saman tertunggak, terutamanya dari <strong>Polis Diraja Malaysia (PDRM)<\/strong>.<\/li><li><strong>Platform seperti MyEG atau kaunter JPJ<\/strong><strong><br><\/strong> Akan menunjukkan sekatan jika saman masih belum diselesaikan.<\/li><\/ul>\n\n\n\n<p>Ringkasnya: insurans boleh jalan, tetapi road tax akan tersangkut.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59690\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku\/attachment\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku-2-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Renew-Insurans-Kereta-Ada-Saman-\u2014-Apa-Sebenarnya-Berlaku-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=\"Renew Insurans Kereta Ada Saman \u2014 Apa Sebenarnya Berlaku (2)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Renew-Insurans-Kereta-Ada-Saman-\u2014-Apa-Sebenarnya-Berlaku-2.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Renew-Insurans-Kereta-Ada-Saman-\u2014-Apa-Sebenarnya-Berlaku-2.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\/Renew-Insurans-Kereta-Ada-Saman-\u2014-Apa-Sebenarnya-Berlaku-2.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik yang menunjukkan perbezaan antara pembaharuan insurans dan road tax di Malaysia: pembaharuan insurans tidak terjejas oleh saman dan boleh diteruskan dengan mana-mana insurer, manakala pembaharuan road tax boleh disekat oleh sistem Jabatan Pengangkutan Jalan (JPJ) jika terdapat saman tertunggak, terutamanya daripada Polis Diraja Malaysia (PDRM). Platform seperti MyEG atau kaunter JPJ akan memaparkan sekatan tersebut. Ringkasnya, insurans boleh diperbaharui tetapi road tax akan tersekat jika saman belum dijelaskan.\" class=\"wp-image-59690\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Renew-Insurans-Kereta-Ada-Saman-\u2014-Apa-Sebenarnya-Berlaku-2.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Renew-Insurans-Kereta-Ada-Saman-\u2014-Apa-Sebenarnya-Berlaku-2.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Renew-Insurans-Kereta-Ada-Saman-\u2014-Apa-Sebenarnya-Berlaku-2.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Renew-Insurans-Kereta-Ada-Saman-\u2014-Apa-Sebenarnya-Berlaku-2.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Renew-Insurans-Kereta-Ada-Saman-\u2014-Apa-Sebenarnya-Berlaku-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=\"Cara_Semak_dan_Selesaikan_Saman\"><\/span><strong>Cara Semak dan Selesaikan Saman<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebelum renewal, semak status saman anda melalui:<\/p>\n\n\n\n<ul><li>Portal rasmi <strong>MyBayar Saman<\/strong><\/li><li>Portal <strong>MySikap<\/strong><\/li><li>Platform <strong>MyEG<\/strong><\/li><\/ul>\n\n\n\n<p>Jika ada saman tertunggak, anda boleh:<\/p>\n\n\n\n<ol><li><strong>Bayar penuh<\/strong> \u2013 cara paling cepat untuk buka sekatan<\/li><li><strong>Mohon bayaran ansuran<\/strong> \u2013 pelan pembayaran melalui MyBayar Saman<\/li><li><strong>Pergi ke kaunter PDRM<\/strong> \u2013 untuk kes lama atau saman yang dipertikaikan<\/li><\/ol>\n\n\n\n<p>Selepas saman diselesaikan atau pelan aktif, sekatan biasanya akan dibuka.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Urutan_Renewal_Yang_Betul\"><\/span><strong>Urutan Renewal Yang Betul<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kalau anda ada saman tertunggak, ikut langkah ini:<\/p>\n\n\n\n<ol><li>Semak dan selesaikan (atau aturkan pembayaran) saman<\/li><li>Renew insurans kereta dan dapatkan cover note<\/li><li>Renew road tax<\/li><\/ol>\n\n\n\n<p>Urutan ini penting. Anda boleh renew insurans dahulu, tetapi jika saman belum selesai, proses road tax tetap akan gagal.<\/p>\n\n\n\n<p>Elakkan situasi di mana insurans aktif tetapi road tax sudah tamat \u2014 itu masih satu kesalahan di jalan raya.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_Ia_Menjejaskan_Premium_Insurans\"><\/span><strong>Bagaimana Ia Menjejaskan Premium Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ramai tertanya: adakah saman tertunggak akan naikkan premium?<\/p>\n\n\n\n<p>Jawapannya: <strong>tidak<\/strong>.<\/p>\n\n\n\n<p>Premium insurans di Malaysia ditentukan oleh:<\/p>\n\n\n\n<ul><li>Nilai kenderaan (sum insured)<\/li><li>Kapasiti enjin<\/li><li>NCD (No Claim Discount)<\/li><li>Jenis perlindungan dan add-on<\/li><\/ul>\n\n\n\n<p>Saman trafik tidak termasuk dalam pengiraan ini.<\/p>\n\n\n\n<p>Namun, jika saman berkait dengan kemalangan yang menyebabkan tuntutan insurans dibuat, maka <strong>tuntutan itu<\/strong> boleh menjejaskan NCD anda \u2014 bukan saman itu sendiri.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kelayakan_Checklist_Sebelum_Renew\"><\/span><strong>Kelayakan &amp; Checklist Sebelum Renew<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pastikan perkara ini clear sebelum anda proceed:<\/p>\n\n\n\n<ul><li>Insurans lama hampir tamat tempoh<\/li><li>NCD anda disahkan betul<\/li><li>Tiada kesilapan pada maklumat kenderaan atau IC<\/li><li>Status saman sudah disemak<\/li><li>Road tax masih dalam tempoh sah (atau bersedia untuk renew)<\/li><\/ul>\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>Bolehkah saya renew insurans kereta kalau ada saman?<\/strong><strong><br><\/strong> Boleh. Syarikat insurans tidak menyemak status saman anda.<\/li><li><strong>Adakah premium insurans naik sebab saman?<\/strong><strong><br><\/strong> Tidak. Premium tidak dipengaruhi oleh saman trafik.<\/li><li><strong>Bolehkah renew road tax dengan saman tertunggak?<\/strong><strong><br><\/strong> Tidak. JPJ akan sekat sehingga saman diselesaikan atau pelan pembayaran dibuat.<\/li><li><strong>Macam mana nak semak saman secara online?<\/strong><strong><br><\/strong> Gunakan MyBayar Saman, MySikap, atau MyEG.<\/li><li><strong>Kalau saman parking macam mana?<\/strong><strong><br><\/strong> Saman majlis tempatan mungkin atau tidak menjejaskan road tax, bergantung pada penguatkuasaan pihak berkuasa tempatan.<\/li><li><strong>Boleh ke bayar saman secara ansuran?<\/strong><strong><br><\/strong> Boleh. PDRM menyediakan pelan ansuran, dan sekatan biasanya dibuka selepas pelan aktif.<\/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>Renew insurans kereta ada saman<\/strong> sebenarnya bukan masalah besar dari sudut insurans. Anda masih boleh teruskan renewal tanpa halangan.<\/p>\n\n\n\n<p>Isu sebenar terletak pada road tax, yang hanya boleh diperbaharui selepas saman diselesaikan. Jadi jika renewal sudah dekat, semak dan uruskan saman anda lebih awal.<\/p>\n\n\n\n<p>Kadang-kadang, saman kecil yang tertunggak boleh jadi punca seluruh proses tergendala.<\/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=renew-insurans-kereta-ada-saman--apa-sebenarnya-berlaku\" 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-cover-insurans-motor-boleh-ditolak-atau-gagal-diproses\">Kenapa Cover Insurans Motor Boleh Ditolak atau Gagal Diproses<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/adakah-umur-masih-mempengaruhi-harga-insurans-kereta\">Adakah Umur Masih Mempengaruhi Harga Insurans Kereta?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bolehkah-orang-lain-renew-insurans-kereta-untuk-anda\">Bolehkah Orang Lain Renew Insurans Kereta Untuk Anda?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemandu panik ingat tak boleh renew insurans langsung kalau ada saman tertunggak. Sebenarnya insurans boleh diteruskan \u2014 road tax yang kena masalah.<\/p>\n","protected":false},"author":31,"featured_media":59689,"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":[26,243,729],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Renew Insurans Kereta Ada Saman \u2014 Apa Sebenarnya Berlaku? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Renew Insurans Kereta Ada Saman \u2014 Apa Sebenarnya Berlaku? 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