{"id":59674,"date":"2026-04-24T20:28:37","date_gmt":"2026-04-24T12:28:37","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59674"},"modified":"2026-04-24T20:28:39","modified_gmt":"2026-04-24T12:28:39","slug":"pertama-kali-renew-insurans-kereta-panduan-ringkas","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/pertama-kali-renew-insurans-kereta-panduan-ringkas","title":{"rendered":"Pertama Kali Renew Insurans Kereta \u2014 Panduan Ringkas"},"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-69f516245abfa\" 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-69f516245abfa\"><\/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\/pertama-kali-renew-insurans-kereta-panduan-ringkas\/#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\/pertama-kali-renew-insurans-kereta-panduan-ringkas\/#Apa_Perlu_Disediakan_Sebelum_Mula\" title=\"Apa Perlu Disediakan Sebelum Mula\">Apa Perlu Disediakan Sebelum Mula<\/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\/pertama-kali-renew-insurans-kereta-panduan-ringkas\/#Memahami_Sebut_Harga_Anda\" title=\"Memahami Sebut Harga Anda\">Memahami Sebut Harga Anda<\/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\/pertama-kali-renew-insurans-kereta-panduan-ringkas\/#Pilih_Jenis_Perlindungan\" title=\"Pilih Jenis Perlindungan\">Pilih Jenis Perlindungan<\/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\/pertama-kali-renew-insurans-kereta-panduan-ringkas\/#Di_Mana_Nak_Renew\" title=\"Di Mana Nak Renew\">Di Mana Nak Renew<\/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\/pertama-kali-renew-insurans-kereta-panduan-ringkas\/#Proses_Renewal_Sebenar\" title=\"Proses Renewal Sebenar\">Proses Renewal Sebenar<\/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\/pertama-kali-renew-insurans-kereta-panduan-ringkas\/#Kesilapan_Biasa_First-Timer\" title=\"Kesilapan Biasa First-Timer\">Kesilapan Biasa First-Timer<\/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\/pertama-kali-renew-insurans-kereta-panduan-ringkas\/#Bagaimana_Ia_Terjejas_What_Affects_Your_Renewal\" title=\"Bagaimana Ia Terjejas (What Affects Your Renewal)\">Bagaimana Ia Terjejas (What Affects Your Renewal)<\/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\/pertama-kali-renew-insurans-kereta-panduan-ringkas\/#Berapa_Awal_Boleh_Renew\" title=\"Berapa Awal Boleh Renew?\">Berapa Awal Boleh Renew?<\/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-kereta\/pertama-kali-renew-insurans-kereta-panduan-ringkas\/#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-11\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/pertama-kali-renew-insurans-kereta-panduan-ringkas\/#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>Pertama kali renew insurans kereta<\/strong> memang boleh rasa mengelirukan, terutamanya kalau sebelum ini orang lain yang uruskan atau anda tak pernah ambil tahu tentang prosesnya.<\/p>\n\n\n\n<p>Mungkin ini kereta pertama anda, atau mungkin selama ini anda hanya serahkan semuanya kepada agent. Apa pun situasinya, bila tiba masa untuk buat sendiri, memang akan nampak macam banyak benda \u2014 jargon, angka, dan deadline.<\/p>\n\n\n\n<p>Tapi sebenarnya, bila anda faham langkah asasnya, proses ini cukup straightforward. Ini panduan lengkap untuk bantu anda lalui semuanya dengan lebih yakin.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Perlu_Disediakan_Sebelum_Mula\"><\/span><strong>Apa Perlu Disediakan Sebelum Mula<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sediakan dokumen dan butiran ini sebelum anda bermula:<\/p>\n\n\n\n<ul><li><strong>MyKad (IC)<\/strong> \u2014 sekurang-kurangnya nombor IC diperlukan<\/li><li><strong>Kad pendaftaran kenderaan (geran)<\/strong> \u2014 butiran seperti nombor enjin dan casis<\/li><li><strong>Polisi insurans sebelumnya atau cover note<\/strong> \u2014 untuk rujukan insurer dan perlindungan<\/li><li><strong>Peratusan NCD (No Claim Discount)<\/strong> \u2014 diskaun tanpa tuntutan<\/li><\/ul>\n\n\n\n<p>Kalau anda tak pasti tahap NCD, boleh semak melalui <strong>Insurance Services Malaysia Berhad<\/strong> (MyCarInfo).<\/p>\n\n\n\n<p>Kalau ada dokumen yang tak jumpa, kebanyakan platform online atau agent masih boleh tarik maklumat menggunakan IC dan nombor kenderaan.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59688\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku\/attachment\/pertama-kali-renew-insurans-kereta-panduan-ringkas-2-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Pertama-Kali-Renew-Insurans-Kereta-\u2014-Panduan-Ringkas-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=\"Pertama Kali Renew Insurans Kereta \u2014 Panduan Ringkas (2)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Pertama-Kali-Renew-Insurans-Kereta-\u2014-Panduan-Ringkas-2.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Pertama-Kali-Renew-Insurans-Kereta-\u2014-Panduan-Ringkas-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\/Pertama-Kali-Renew-Insurans-Kereta-\u2014-Panduan-Ringkas-2.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik yang menerangkan komponen utama dalam sebut harga insurans kenderaan di Malaysia: premium asas berdasarkan nilai kenderaan dan kapasiti enjin, diskaun NCD antara 25% hingga 55% yang mengurangkan premium, pilihan add-on seperti perlindungan cermin depan, banjir, atau towing, duti setem tetap RM10, serta SST 8% ke atas premium. Jumlah akhir menunjukkan amaun yang perlu dibayar, dengan peringatan untuk membandingkan sebut harga berdasarkan perlindungan yang sama kerana harga lebih murah mungkin bermaksud perlindungan lebih rendah.\" class=\"wp-image-59688\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Pertama-Kali-Renew-Insurans-Kereta-\u2014-Panduan-Ringkas-2.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Pertama-Kali-Renew-Insurans-Kereta-\u2014-Panduan-Ringkas-2.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Pertama-Kali-Renew-Insurans-Kereta-\u2014-Panduan-Ringkas-2.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Pertama-Kali-Renew-Insurans-Kereta-\u2014-Panduan-Ringkas-2.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Pertama-Kali-Renew-Insurans-Kereta-\u2014-Panduan-Ringkas-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=\"Memahami_Sebut_Harga_Anda\"><\/span><strong>Memahami Sebut Harga Anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bila anda dapat quotation, ini komponen utama yang perlu difahami:<\/p>\n\n\n\n<ul><li><strong>Premium asas<\/strong> \u2014 berdasarkan nilai kenderaan (sum insured) dan kapasiti enjin<\/li><li><strong>Diskaun NCD<\/strong> \u2014 potongan dari premium (25% hingga 55%)<\/li><li><strong>Add-on<\/strong> \u2014 perlindungan tambahan seperti cermin depan, banjir, atau towing<\/li><li><strong>Duti setem<\/strong> \u2014 caj tetap RM10<\/li><li><strong>SST<\/strong> \u2014 cukai 8% ke atas premium<\/li><\/ul>\n\n\n\n<p>Jumlah akhir adalah apa yang anda perlu bayar. Pastikan anda bandingkan sebut harga dengan perlindungan yang sama \u2014 harga murah kadang-kadang bermaksud perlindungan kurang.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pilih_Jenis_Perlindungan\"><\/span><strong>Pilih Jenis Perlindungan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda ada dua pilihan utama:<\/p>\n\n\n\n<p><strong>Komprehensif<\/strong><strong><br><\/strong> Melindungi kereta anda dan pihak ketiga. Ini pilihan paling biasa, terutama jika kereta masih bernilai tinggi atau masih dalam pinjaman.<\/p>\n\n\n\n<p><strong>Pihak ketiga (third-party)<\/strong><strong><br><\/strong> Hanya melindungi kerosakan kepada orang lain. Kereta anda sendiri tidak dilindungi.<\/p>\n\n\n\n<p>Jika kereta masih dalam loan, biasanya bank akan mewajibkan perlindungan komprehensif.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Di_Mana_Nak_Renew\"><\/span><strong>Di Mana Nak Renew<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda boleh pilih cara yang paling sesuai:<\/p>\n\n\n\n<ul><li><strong>Platform online<\/strong> \u2014 bandingkan beberapa insurer sekaligus<\/li><li><strong>Terus dengan insurer<\/strong> \u2014 melalui website atau app rasmi<\/li><li><strong>Melalui agent<\/strong> \u2014 sesuai jika anda perlukan penerangan<\/li><li><strong>Kaunter fizikal<\/strong> \u2014 bank atau pejabat pos<\/li><\/ul>\n\n\n\n<p>Untuk first-timer, platform online biasanya paling mudah untuk faham pilihan yang ada.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Proses_Renewal_Sebenar\"><\/span><strong>Proses Renewal Sebenar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ini langkah mudah yang biasanya terlibat:<\/p>\n\n\n\n<ol><li>Masukkan butiran kenderaan dan IC<\/li><li>Semak sebut harga (perlindungan, NCD, add-on)<\/li><li>Pilih pelan yang sesuai<\/li><li>Buat bayaran<\/li><li>Terima cover note (biasanya serta-merta)<\/li><li>Renew road tax<\/li><\/ol>\n\n\n\n<p>Keseluruhan proses boleh siap dalam masa kurang 15 minit jika semuanya sudah tersedia.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesilapan_Biasa_First-Timer\"><\/span><strong>Kesilapan Biasa First-Timer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Beberapa perkara yang sering berlaku:<\/p>\n\n\n\n<ul><li><strong>Tak semak NCD<\/strong> \u2014 mungkin terlepas diskaun yang layak<\/li><li><strong>Abaikan add-on<\/strong> \u2014 ada perlindungan penting yang mungkin anda perlukan<\/li><li><strong>Tunggu saat akhir<\/strong> \u2014 boleh menyebabkan gap perlindungan<\/li><li><strong>Tak bandingkan sebut harga<\/strong> \u2014 setiap insurer ada harga dan manfaat berbeza<\/li><\/ul>\n\n\n\n<p>Ambil sedikit masa untuk semak \u2014 ia boleh jimatkan duit dan elakkan masalah.<\/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_Renewal\"><\/span><strong>Bagaimana Ia Terjejas (What Affects Your Renewal)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Beberapa faktor yang mempengaruhi renewal anda:<\/p>\n\n\n\n<ul><li>Nilai semasa kenderaan (sum insured)<\/li><li>Tahap NCD anda<\/li><li>Sejarah tuntutan (claim history)<\/li><li>Jenis perlindungan dan add-on dipilih<\/li><li>Profil risiko pemandu dan kenderaan<\/li><\/ul>\n\n\n\n<p>Semua ini menentukan harga akhir yang anda lihat dalam sebut harga.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapa_Awal_Boleh_Renew\"><\/span><strong>Berapa Awal Boleh Renew?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kebanyakan insurer membenarkan renewal sehingga <strong>60 hari sebelum polisi tamat<\/strong>.<\/p>\n\n\n\n<p>Polisi baharu akan bermula selepas polisi lama tamat, jadi tiada pembaziran tempoh perlindungan.<\/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>Apa itu NCD dan adakah saya ada?<\/strong><strong><br><\/strong> NCD ialah diskaun tanpa tuntutan. Anda akan mula dengan 25% selepas setahun tanpa claim dan boleh naik sehingga 55%.<\/li><li><strong>Boleh renew insurans kereta online atau perlu agent?<\/strong><strong><br><\/strong> Boleh buat sepenuhnya online. Agent hanya pilihan tambahan.<\/li><li><strong>Berapa awal boleh renew sebelum polisi tamat?<\/strong><strong><br><\/strong> Sehingga 60 hari sebelum tamat, bergantung pada insurer.<\/li><li><strong>Apa jadi kalau terlepas tarikh renewal?<\/strong><strong><br><\/strong> Perlindungan akan lapse. Sebarang kemalangan dalam tempoh itu tidak dilindungi.<\/li><li><strong>Perlu ke renew insurans dan road tax serentak?<\/strong><strong><br><\/strong> Tidak wajib, tetapi insurans mesti aktif sebelum road tax boleh diperbaharui.<\/li><li><strong>Kalau tak tahu nombor polisi lama?<\/strong><strong><br><\/strong> Masih boleh renew. Maklumat boleh dicari menggunakan IC dan nombor kenderaan.<\/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>Pertama kali renew insurans kereta<\/strong> sebenarnya lebih mudah daripada yang kelihatan. Dengan dokumen yang betul dan sedikit pemahaman tentang proses, anda boleh selesaikan semuanya dalam masa yang singkat.<\/p>\n\n\n\n<p>Bila dah buat sekali, proses renewal seterusnya akan jadi jauh lebih mudah dan cepat.<\/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=pertama-kali-renew-insurans-kereta--panduan-ringkas\" 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\/claim-insurans-kereta-dah-lulus-tapi-bayaran-kurang\">Claim Insurans Kereta Dah Lulus Tapi Bayaran Kurang?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax\/roadtax-dah-bayar-tapi-tak-aktif\">Roadtax Dah Bayar Tapi Tak Aktif?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/why-two-similar-motorbikes-get-different-quotes\">Why Two Similar Motorbikes Get Different Quotes<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kalau selama ini orang lain yang uruskan insurans kereta anda dan sekarang giliran anda, panduan ini cover semuanya \u2014 dari dokumen sampai bandingkan harga sampai apa jadi selepas bayar.<\/p>\n","protected":false},"author":31,"featured_media":59686,"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":[26,243,3514],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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