{"id":60556,"date":"2026-07-10T17:21:23","date_gmt":"2026-07-10T09:21:23","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=60556"},"modified":"2026-07-10T18:19:50","modified_gmt":"2026-07-10T10:19:50","slug":"insurans-bawah-nilai-klausa-purata-dijelaskan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/insurans-bawah-nilai-klausa-purata-dijelaskan","title":{"rendered":"Insurans Bawah Nilai \u2014 Klausa Purata Dijelaskan"},"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-6a50f2f315011\" 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-6a50f2f315011\"><\/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\/car-insurance\/insurans-bawah-nilai-klausa-purata-dijelaskan\/#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\/car-insurance\/insurans-bawah-nilai-klausa-purata-dijelaskan\/#Apa_Itu_Insurans_Bawah_Nilai\" title=\"Apa Itu Insurans Bawah Nilai\">Apa Itu Insurans Bawah Nilai<\/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\/car-insurance\/insurans-bawah-nilai-klausa-purata-dijelaskan\/#Cara_Klausa_Purata_Berfungsi\" title=\"Cara Klausa Purata Berfungsi\">Cara Klausa Purata Berfungsi<\/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\/car-insurance\/insurans-bawah-nilai-klausa-purata-dijelaskan\/#Contoh_Pengiraan_Klausa_Purata\" title=\"Contoh Pengiraan Klausa Purata\">Contoh Pengiraan Klausa Purata<\/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\/car-insurance\/insurans-bawah-nilai-klausa-purata-dijelaskan\/#Cara_Mengelak_Penalti_Insurans_Bawah_Nilai\" title=\"Cara Mengelak Penalti Insurans Bawah Nilai\">Cara Mengelak Penalti Insurans Bawah Nilai<\/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\/car-insurance\/insurans-bawah-nilai-klausa-purata-dijelaskan\/#Ringkasan_Kesan_Klausa_Purata\" title=\"Ringkasan Kesan Klausa Purata\">Ringkasan Kesan Klausa Purata<\/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\/car-insurance\/insurans-bawah-nilai-klausa-purata-dijelaskan\/#Soalan_Lazim\" title=\"Soalan Lazim\">Soalan Lazim<\/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\/car-insurance\/insurans-bawah-nilai-klausa-purata-dijelaskan\/#Panduan_Bjak_Berkaitan\" title=\"Panduan Bjak Berkaitan\">Panduan Bjak Berkaitan<\/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\/car-insurance\/insurans-bawah-nilai-klausa-purata-dijelaskan\/#Bagaimana_Bjak_Membantu\" title=\"Bagaimana Bjak Membantu\">Bagaimana Bjak Membantu<\/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\/car-insurance\/insurans-bawah-nilai-klausa-purata-dijelaskan\/#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>Insurans bawah nilai dan klausa purata di Malaysia sering memerangkap pemandu yang menetapkan sum insured terlalu rendah untuk menjimatkan premium beberapa ringgit. Hasilnya ialah kejutan tidak menyenangkan semasa tuntutan, apabila penanggung insurans membayar jauh lebih sedikit daripada jangkaan.<\/p>\n\n\n\n<p>Oleh itu, memahami klausa purata ialah pertahanan terbaik anda. Panduan ini menerangkan cara ia berfungsi, lengkap dengan formula dan contoh, serta menunjukkan cara mengelak penalti insurans bawah nilai.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_Insurans_Bawah_Nilai\"><\/span><strong>Apa Itu Insurans Bawah Nilai<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurans bawah nilai berlaku apabila sum insured anda lebih rendah daripada nilai pasaran sebenar kereta pada masa renew. Pada dasarnya, anda hanya menginsuranskan sebahagian daripada kereta \u2014 selebihnya anda tanggung sendiri jika berlaku kerugian.<\/p>\n\n\n\n<p>Situasi ini kerap berlaku tanpa sengaja: pemilik menurunkan nilai untuk mengurangkan premium, atau renew pada angka lama sedangkan nilai kereta telah berubah kerana susut nilai.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Klausa_Purata_Berfungsi\"><\/span><strong>Cara Klausa Purata Berfungsi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Di Malaysia, klausa purata menguatkuasakan penalti insurans bawah nilai melalui pengurangan berkadar pada setiap tuntutan. Formula asas klausa purata ialah:<br><br>Bayaran Tuntutan = (Nilai&nbsp;Pasaran&nbsp;Sebenar \u00f7 Sum&nbsp;Insured\u200b) \u00d7 Jumlah&nbsp;Kerugian<\/p>\n\n\n\n<p>Jika anda hanya menginsuranskan 80% daripada nilai sebenar, anda hanya akan menerima kira-kira 80% daripada setiap tuntutan \u2014 baki 20% perlu anda bayar sendiri.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Contoh_Pengiraan_Klausa_Purata\"><\/span><strong>Contoh Pengiraan Klausa Purata<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Katakan kereta anda bernilai RM50,000 tetapi diinsuranskan hanya RM40,000 \u2014 iaitu 80% daripada nilai sebenar. Anda terlibat kemalangan dengan kos baik pulih RM10,000. Dengan klausa purata, penanggung insurans akan mengira bayaran seperti berikut:<\/p>\n\n\n\n<ul><li>Nisbah insurans: RM40,000 \u00f7 RM50,000 = 0.8 (80%)<\/li><li>Bayaran tuntutan: 80% \u00d7 RM10,000 = RM8,000<\/li><li>Baki yang anda bayar sendiri: RM2,000<\/li><\/ul>\n\n\n\n<p>Klausa purata terpakai walaupun pada tuntutan separa, bukan hanya kerugian total loss. Sebab itu insurans bawah nilai sering membawa kerugian besar kepada pemilik kereta.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Mengelak_Penalti_Insurans_Bawah_Nilai\"><\/span><strong>Cara Mengelak Penalti Insurans Bawah Nilai<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Mengelak penalti klausa purata sebenarnya mudah: insuranskan kereta anda pada nilai pasaran penuh dan adil.<\/p>\n\n\n\n<ul><li>Gunakan kalkulator sum insured untuk mendapatkan angka yang selaras dengan nilai pasaran semasa kereta anda.<\/li><li>Semak dan kemas kini sum insured setiap kali renew, kerana susut nilai mengubah nilai pasaran setiap tahun.<\/li><li>Elakkan memotong sum insured semata-mata untuk turunkan premium; penjimatan premium biasanya kecil berbanding pengurangan tuntutan yang anda risikokan.<\/li><\/ul>\n\n\n\n<p>Golden rule: sum insured sepatutnya sedekat mungkin dengan nilai pasaran terbuka kereta anda sekarang, bukan harga beli asal.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Ringkasan_Kesan_Klausa_Purata\"><\/span><strong>Ringkasan Kesan Klausa Purata<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table class=\"has-nv-dark-bg-color has-text-color\"><thead><tr><th scope=\"col\">Tahap insurans vs nilai pasaran<\/th><th scope=\"col\">Status perlindungan<\/th><th scope=\"col\">Kesan pada tuntutan<\/th><\/tr><\/thead><tbody><tr><td>Diinsuranskan 100%<\/td><td>Nilai penuh<\/td><td>Bayaran tuntutan penuh (tiada penalti klausa purata)<\/td><\/tr><tr><td>Diinsuranskan 80%<\/td><td>Kurang insurans 20%<\/td><td>Bayaran dipotong \u00b120%, anda tanggung selebihnya sendiri<\/td><\/tr><tr><td>Diinsuranskan 50%<\/td><td>Kurang insurans 50%<\/td><td>Bayaran dipotong \u00b150%, tuntutan sangat rendah<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Soalan_Lazim\"><\/span><strong>Soalan Lazim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Bagaimana ini menjejaskan renew insurans kereta saya?<\/strong><br><br>Ia secara langsung membentuk perlindungan dan kos anda masa renew. Menyemak insurans bawah nilai klausa purata malaysia setiap tahun sebelum renew membantu anda elak terlebih bayar dan mengekalkan perlindungan tepat. Semakan ringkas di <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=insurans-bawah-nilai-klausa-purata-dijelaskan\">bjak.my<\/a> menjadikannya mudah.<\/p>\n\n\n\n<p><strong>Adakah ia menjejaskan NCD saya?<\/strong><br><br>No Claim Discount anda diperoleh melalui tahun tanpa tuntutan. Ia tidak hilang dalam sekelip mata jika polisi luput \u2014 sebaliknya ia turun satu tahap bagi setiap tahun tanpa polisi aktif, dan ia hanya set semula kepada 0% apabila anda membuat tuntutan salah anda. Renew tepat masa mengekalkan diskaun penuh.<\/p>\n\n\n\n<p><strong>Di mana saya boleh uruskan ini dengan cepat?<\/strong><br><br>Di <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=insurans-bawah-nilai-klausa-purata-dijelaskan\">bjak.my<\/a> anda boleh bandingkan sebut harga dari 10+ syarikat insurans, tetapkan sum insured yang betul, dan renew dalam beberapa minit \u2014 semua dalam talian, dengan peringatan percuma supaya anda tidak pernah terlepas renew lagi.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Panduan_Bjak_Berkaitan\"><\/span><strong>Panduan Bjak Berkaitan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk konteks tambahan, baca <a href=\"https:\/\/bjak.my\/blog\/car-insurance\/apa-yang-mempengaruhi-premium-insurans-kereta\">apa yang mempengaruhi premium insurans kereta<\/a> dan <a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-premium-insurans-kereta-sentiasa-berubah\">kenapa premium insurans kereta berubah<\/a>, serta <a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-kereta-dah-lulus-tapi-bayaran-kurang\">kenapa bayaran claim boleh jadi kurang<\/a>. Panduan ini membantu anda menyemak renewal, NCD, premium, tuntutan atau add-on sebelum memilih polisi yang sesuai.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_Bjak_Membantu\"><\/span><strong>Bagaimana Bjak Membantu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bjak menjadikan isu insurans bawah nilai lebih mudah diurus. Kalkulator sum insured Bjak menarik nilai pasaran terkini kenderaan anda secara automatik, jadi anda boleh tetapkan jumlah dilindungi yang betul dalam beberapa saat tanpa meneka.<\/p>\n\n\n\n<p>Di <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=insurans-bawah-nilai-klausa-purata-dijelaskan\">bjak.my<\/a>, anda boleh bandingkan sebut harga daripada lebih 10 syarikat insurans secara bersebelahan di satu tempat, jadi anda nampak harga dan perlindungan terbaik tanpa perlu menghubungi ejen satu demi satu. Sama ada anda renew buat kali pertama atau menukar penanggung insurans, Bjak memberi anda alat untuk melakukannya dengan yakin pada harga paling adil.<\/p>\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 bawah nilai dan klausa purata menjadikan penjimatan premium yang kecil sebagai kerugian tuntutan yang besar. Insuranskan kereta anda pada nilai pasaran yang adil, semak sum insured setiap tahun dan gunakan kalkulator nilai pasaran sebelum renew.<\/p>\n\n\n\n<p>Sebelum pembaharuan seterusnya, bandingkan sebut harga dan renew dalam beberapa minit di <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=insurans-bawah-nilai-klausa-purata-dijelaskan\">bjak.my<\/a> \u2014 cara yang mudah untuk kekal dilindungi, kekal sah di jalan raya dan mendapat harga terbaik.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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-bawah-nilai-klausa-purata-dijelaskan\" style=\"background-color:#ffd103\">Dapatkan Sebutharga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p><br>Baca Juga:<br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/perodua-alza-road-tax-and-insurance-price-in-malaysia-2026\">Perodua Alza Road Tax and Insurance Price in Malaysia (2026)<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/proton-x70-road-tax-and-insurance-price-in-malaysia-2026\">Proton X70 Road Tax and Insurance Price in Malaysia (2026)<\/a><br><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/peringatan-roadtax-insurans-pilih-cara-anda-dapat-notifikasi\">Peringatan Roadtax &amp; Insurans \u2014 Pilih Cara Anda Dapat Notifikasi<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemilik kereta tidak sedar bahawa mereka menginsuranskan kenderaan di bawah nilai sebenar. Akibatnya, apabila berlaku tuntutan, bayaran akan dipotong mengikut nisbah.<\/p>\n","protected":false},"author":39,"featured_media":60558,"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":[431],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurans Bawah Nilai \u2014 Klausa Purata Dijelaskan | Car Insurance<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Insurans Bawah Nilai \u2014 Klausa Purata Dijelaskan Fahami insurans bawah nilai dan klausa purata supaya anda elak potongan tuntutan dan pilih jumlah perlindungan yang tepat\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurans-bawah-nilai-klausa-purata-dijelaskan\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurans Bawah Nilai \u2014 Klausa Purata Dijelaskan | Car Insurance\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Insurans Bawah Nilai \u2014 Klausa Purata Dijelaskan Fahami insurans bawah nilai dan klausa purata supaya anda elak potongan tuntutan dan pilih jumlah perlindungan yang tepat\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/insurans-bawah-nilai-klausa-purata-dijelaskan\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-10T09:21:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-10T10:19:50+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/07\/Insurans-Bawah-Nilai-di-Malaysia-\u2014-Penjelasan-Klausa-Purata-Average-Clause.webp?fit=1080%2C683&amp;ssl=1\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"BJAK Content Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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