{"id":59722,"date":"2026-04-28T12:00:00","date_gmt":"2026-04-28T04:00:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59722"},"modified":"2026-04-26T20:06:02","modified_gmt":"2026-04-26T12:06:03","slug":"insurans-kereta-terpakai-kenapa-harga-tak-kena","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-terpakai-kenapa-harga-tak-kena","title":{"rendered":"Insurans Kereta Terpakai \u2014 Kenapa Harga Tak Kena?"},"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-69f50a5b066d1\" 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-69f50a5b066d1\"><\/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\/insurans-kereta-terpakai-kenapa-harga-tak-kena\/#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\/insurans-kereta-terpakai-kenapa-harga-tak-kena\/#Apa_yang_Tentukan_Harga_Insuran_Anda\" title=\"Apa yang Tentukan Harga Insuran Anda?\">Apa yang Tentukan Harga Insuran Anda?<\/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\/insurans-kereta-terpakai-kenapa-harga-tak-kena\/#Kenapa_Kereta_Lama_Kekadang_Harga_Insurans_Mahal\" title=\"Kenapa Kereta Lama Kekadang Harga Insurans Mahal?\">Kenapa Kereta Lama Kekadang Harga Insurans Mahal?<\/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\/insurans-kereta-terpakai-kenapa-harga-tak-kena\/#Nilai_Pasaran_Vs_Nilai_Persetujuan\" title=\"Nilai Pasaran Vs Nilai Persetujuan\">Nilai Pasaran Vs Nilai Persetujuan<\/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\/insurans-kereta-terpakai-kenapa-harga-tak-kena\/#NCD_Untuk_Pembeli_Kereta_Terpakai\" title=\"NCD Untuk Pembeli Kereta Terpakai\">NCD Untuk Pembeli Kereta Terpakai<\/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\/insurans-kereta-terpakai-kenapa-harga-tak-kena\/#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-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-terpakai-kenapa-harga-tak-kena\/#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>Anda baru beli kereta second-hand \u2014 katakan Honda City 2015 pada harga RM38,000. Lepas itu, anda semak harga insurans online dan angkanya tak masuk akal. Terlalu mahal untuk kereta lama? Atau terlalu murah sampai rasa ada sesuatu yang tak kena bila semak insurans kereta terpakai?<\/p>\n\n\n\n<p>Sebenarnya, insurer tak letak harga macam yang anda sangka. Bila anda faham apa yang mereka sebenarnya nilai, sebut harga itu mula jadi lebih logik.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_yang_Tentukan_Harga_Insuran_Anda\"><\/span><strong>Apa yang Tentukan Harga Insuran Anda?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Beberapa faktor membentuk premium anda, dan ia tak selalu bergerak seperti yang anda jangka:<\/p>\n\n\n\n<ul><li><strong>Sum insured<\/strong> \u2014 Insurer guna nilai pasaran semasa kereta, bukan harga yang anda bayar kepada dealer. Jadi kereta yang dibeli RM38,000 mungkin hanya dinilai RM32,000 oleh insurer, yang memberi kesan kepada premium asas.<\/li><li><strong>Jenama, model, dan varian<\/strong> \u2014 BMW 3 Series 2014 jauh lebih mahal untuk diinsuranskan berbanding Perodua Myvi tahun yang sama kerana kos alat ganti dan pembaikan yang lebih tinggi.<\/li><li><strong>Kapasiti enjin<\/strong> \u2014 Enjin lebih besar bermaksud premium lebih tinggi, walaupun umur dan nilai kereta hampir sama.<\/li><li><strong>NCD (No Claim Discount)<\/strong> \u2014 NCD datang daripada rekod pemanduan anda, bukan kereta. Pemilik baru biasanya bermula pada 0%, dan NCD pemilik lama tidak ikut bersama kenderaan.<\/li><li><strong>Umur kenderaan<\/strong> \u2014 Kereta lebih lama biasanya lebih murah dari segi nilai, tetapi faktor seperti kecurian atau kos alat ganti boleh menaikkan semula premium.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59739\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/insuran-motosikal-lepas-tukar-enjin-masih-dilindungi\/attachment\/insurans-kereta-terpakai-kenapa-harga-tak-kena-2-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Kereta-Terpakai-\u2014-Kenapa-Harga-Tak-Kena-2.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=\"Insurans Kereta Terpakai \u2014 Kenapa Harga Tak Kena (2)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Kereta-Terpakai-\u2014-Kenapa-Harga-Tak-Kena-2.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Kereta-Terpakai-\u2014-Kenapa-Harga-Tak-Kena-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\/Insurans-Kereta-Terpakai-\u2014-Kenapa-Harga-Tak-Kena-2.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan faktor yang mempengaruhi harga insurans kereta termasuk jenama dan model, kapasiti enjin, NCD, dan umur kenderaan.\" class=\"wp-image-59739\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Kereta-Terpakai-\u2014-Kenapa-Harga-Tak-Kena-2.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Kereta-Terpakai-\u2014-Kenapa-Harga-Tak-Kena-2.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Kereta-Terpakai-\u2014-Kenapa-Harga-Tak-Kena-2.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Kereta-Terpakai-\u2014-Kenapa-Harga-Tak-Kena-2.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Insurans-Kereta-Terpakai-\u2014-Kenapa-Harga-Tak-Kena-2.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=\"Kenapa_Kereta_Lama_Kekadang_Harga_Insurans_Mahal\"><\/span><strong>Kenapa Kereta Lama Kekadang Harga Insurans Mahal?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Walaupun nampak logik untuk jadi murah, tidak semua kereta lama lebih murah untuk diinsuranskan:<\/p>\n\n\n\n<ul><li><strong>Kadar kecurian tinggi<\/strong> \u2014 Model seperti Proton Wira, Honda Civic lama, dan Toyota Hilux lebih berisiko dicuri<\/li><li><strong>Alat ganti mahal<\/strong> \u2014 Sesetengah model nampak murah, tetapi kos repair tinggi<\/li><li><strong>Jenama Eropah<\/strong> \u2014 BMW, Mercedes, Audi, dan Volkswagen biasanya lebih mahal walaupun nilai kereta sudah rendah<\/li><li><strong>NCD rendah<\/strong> \u2014 Tanpa rekod pemanduan, anda masih berada pada 0% NCD dan bayar premium penuh<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Nilai_Pasaran_Vs_Nilai_Persetujuan\"><\/span><strong>Nilai Pasaran Vs Nilai Persetujuan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda biasanya akan jumpa dua pilihan:<\/p>\n\n\n\n<ul><li><strong>Nilai pasaran<\/strong> \u2014 Insurer akan tentukan nilai semasa kereta ketika tuntutan dibuat. Jika nilai jatuh lagi, bayaran juga akan lebih rendah<\/li><li><strong>Nilai dipersetujui (agreed value)<\/strong> \u2014 Jumlah tetap dipersetujui awal. Jika total loss, itulah yang dibayar. Premium sedikit lebih tinggi tetapi lebih jelas<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"NCD_Untuk_Pembeli_Kereta_Terpakai\"><\/span><strong>NCD Untuk Pembeli Kereta Terpakai<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD tidak datang bersama kereta. Bila anda beli kereta terpakai:<\/p>\n\n\n\n<ul><li>Kereta pertama: bermula pada 0% NCD, naik kepada 25% selepas setahun tanpa tuntutan<\/li><li>Tukar kereta: NCD boleh dipindahkan jika anda pemilik yang sama<\/li><li>Kereta kedua: NCD tidak berganda, ia bermula semula pada 0%<\/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>Kenapa insurans mahal untuk kereta lama saya?<\/strong><strong><br><\/strong> Biasanya kerana risiko model seperti kecurian tinggi, kos alat ganti, atau jenama Eropah. NCD rendah juga tiada diskaun.<\/li><li><strong>Adakah saya dapat NCD bila beli kereta terpakai?<\/strong><strong><br><\/strong> Tidak. NCD milik pemilik sebelumnya. Anda bermula pada 0% kecuali anda pindahkan NCD dari kereta sendiri.<\/li><li><strong>Bagaimana sum insured dikira untuk kereta terpakai?<\/strong><strong><br><\/strong> Berdasarkan nilai pasaran semasa yang ditentukan oleh insurer, bukan harga pembelian anda.<\/li><li><strong>Perlu ke tukar nama sebelum ambil insurans?<\/strong><strong><br><\/strong> Ya. Insurans mesti atas nama pemilik berdaftar.<\/li><li><strong>Patut pilih nilai pasaran atau nilai dipersetujui?<\/strong><strong><br><\/strong> Nilai dipersetujui sesuai jika anda beli kereta pada harga premium. Jika tidak, nilai pasaran sudah mencukupi.<\/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>Insurans kereta terpakai tidak berfungsi seperti yang ramai pembeli jangka. Harga pembelian, umur kereta, dan sejarah pemilik lama tidak menentukan premium secara langsung. Bila anda faham bagaimana sum insured, NCD, dan profil risiko berfungsi, sebut harga yang anda dapat akan jadi lebih masuk akal dan lebih mudah untuk dibandingkan.<\/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-kereta-terpakai--kenapa-harga-tak-kena\" 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\/insurans-motosikal-rider-penghantaran-adakah-dilindungi\">Insurans Motosikal Rider Penghantaran \u2014 Adakah Dilindungi?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/pertama-kali-renew-insurans-kereta-panduan-ringkas\">Pertama Kali Renew Insurans Kereta \u2014 Panduan Ringkas<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-kereta-ada-saman-apa-sebenarnya-berlaku\">Renew Insurans Kereta Ada Saman \u2014 Apa Sebenarnya Berlaku?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pembeli kereta terpakai sering terkejut dengan sebut harga insurans \u2014 kadang terlalu tinggi, kadang pelik rendah. Ini apa yang insurer sebenarnya tengok.<\/p>\n","protected":false},"author":31,"featured_media":59737,"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":[26,2780,1141,172],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurans Kereta Terpakai \u2014 Kenapa Harga Tak Kena? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Insurans Kereta Terpakai \u2014 Kenapa Harga Tak Kena? 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