{"id":60613,"date":"2026-07-16T13:31:12","date_gmt":"2026-07-16T05:31:12","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=60613"},"modified":"2026-07-16T16:33:00","modified_gmt":"2026-07-16T08:33:00","slug":"renew-insurans-kereta-lama-malaysia-2026-apa-yang-berubah","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-kereta-lama-malaysia-2026-apa-yang-berubah","title":{"rendered":"Renew Insurans Kereta Lama Malaysia 2026 \u2014 Apa Yang Berubah"},"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-6a58a76e0e64e\" 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-6a58a76e0e64e\"><\/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-lama-malaysia-2026-apa-yang-berubah\/#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-lama-malaysia-2026-apa-yang-berubah\/#Perubahan_Utama_2026_Bagi_Kereta_Lama\" title=\"Perubahan Utama 2026 Bagi Kereta Lama\">Perubahan Utama 2026 Bagi Kereta Lama<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-kereta-lama-malaysia-2026-apa-yang-berubah\/#1_Penilaian_Risiko_yang_Lebih_Ketat\" title=\"1. Penilaian Risiko yang Lebih Ketat\">1. Penilaian Risiko yang Lebih Ketat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-kereta-lama-malaysia-2026-apa-yang-berubah\/#2_Kemungkinan_Peningkatan_Kadar_Premium\" title=\"2. Kemungkinan Peningkatan Kadar Premium\">2. Kemungkinan Peningkatan Kadar Premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-insurans-kereta-lama-malaysia-2026-apa-yang-berubah\/#3_Peralihan_Jenis_Perlindungan\" title=\"3. Peralihan Jenis Perlindungan\">3. Peralihan Jenis Perlindungan<\/a><\/li><\/ul><\/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-lama-malaysia-2026-apa-yang-berubah\/#Perbandingan_Penilaian_Risiko_Kereta_Baru_vs_Kereta_Lama_2026\" title=\"Perbandingan Penilaian Risiko: Kereta Baru vs Kereta Lama (2026)\">Perbandingan Penilaian Risiko: Kereta Baru vs Kereta Lama (2026)<\/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-lama-malaysia-2026-apa-yang-berubah\/#Cara_Bijak_Dapatkan_Tawaran_Terbaik_Untuk_Kenderaan_Lama\" title=\"Cara Bijak Dapatkan Tawaran Terbaik Untuk Kenderaan Lama\">Cara Bijak Dapatkan Tawaran Terbaik Untuk Kenderaan Lama<\/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-lama-malaysia-2026-apa-yang-berubah\/#Soalan_Lazim_FAQ\" title=\"Soalan Lazim (FAQ)\">Soalan Lazim (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-lama-malaysia-2026-apa-yang-berubah\/#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>Memiliki kenderaan yang telah berusia lebih dari 10 tahun selalunya membawa kelebihan dari segi ketiadaan hutang pinjaman bank. Namun, apabila tiba masanya untuk memperbaharui (renew) insurans, kereta lama sering berhadapan dengan cabaran yang lebih besar berbanding kenderaan baharu.<br><\/p>\n\n\n\n<p>Menjelang tahun 2026, landskap insurans motor di Malaysia sedang melalui fasa transformasi penuh dengan pelaksanaan sistem de-tarifikasi. Perubahan besar ini bermakna struktur harga dan penilaian perlindungan tidak lagi tertakluk kepada jadual tetap, sebaliknya dinilai secara teliti berdasarkan tahap risiko profil pemandu dan keadaan kenderaan. Artikel ini akan membincangkan perubahan penting yang bakal berlaku sekiranya anda merancang untuk renew insurans kereta lama pada 2026, serta strategi menanganinya.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perubahan_Utama_2026_Bagi_Kereta_Lama\"><\/span><strong>Perubahan Utama 2026 Bagi Kereta Lama<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pelaksanaan fasa keterbukaan harga (de-tarifikasi) sepenuhnya bermakna setiap syarikat insurans berhak menilai kenderaan lama anda menggunakan parameter data mereka sendiri. Berikut adalah beberapa perubahan ketara yang dijangka:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Penilaian_Risiko_yang_Lebih_Ketat\"><\/span><strong>1. Penilaian Risiko yang Lebih Ketat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Syarikat insurans kini melihat kepada lebih daripada sekadar kapasiti enjin (cc) kereta anda. Mereka akan mengambil kira <a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/7-faktor-penentu-harga-insurans-kereta\">faktor penentu harga insurans<\/a> yang pelbagai. Untuk kereta lama, ketiadaan ciri keselamatan moden (seperti sistem brek anti-kunci canggih atau sensor pemanduan automasi) serta statistik kekerapan kerosakan enjin boleh meletakkan kenderaan anda dalam kategori risiko yang lebih tinggi.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Kemungkinan_Peningkatan_Kadar_Premium\"><\/span><strong>2. Kemungkinan Peningkatan Kadar Premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Walaupun nilai pasaran (market value) kereta lama semakin rendah dari tahun ke tahun, kadar premium insuransnya mungkin tidak menurun secara selari, malah boleh meningkat pada 2026. Ini kerana kos mendapatkan alat ganti (spare parts) tulen untuk kenderaan usang lazimnya lebih tinggi atau sukar didapati di pasaran. Jika berlaku kemalangan, kos tuntutan baik pulih yang ditanggung oleh pihak insurans berpotensi melebihi nilai kenderaan itu sendiri.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Peralihan_Jenis_Perlindungan\"><\/span><strong>3. Peralihan Jenis Perlindungan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sesetengah syarikat insurans mungkin enggan menawarkan perlindungan Komprehensif (First Party) untuk kereta yang berusia lebih daripada 15 atau 20 tahun. Pengguna mungkin terpaksa bertukar kepada perlindungan Pihak Ketiga, Kebakaran &amp; Kecurian (TPFT) atau Pihak Ketiga (Third Party) sahaja.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perbandingan_Penilaian_Risiko_Kereta_Baru_vs_Kereta_Lama_2026\"><\/span><strong>Perbandingan Penilaian Risiko: Kereta Baru vs Kereta Lama (2026)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">Kriteria Penilaian<\/th><th scope=\"col\">Kereta Baharu (Bawah 5 Tahun)<\/th><th scope=\"col\">Kereta Lama (Lebih 10 Tahun)&nbsp;<\/th><\/tr><\/thead><tbody><tr><td><strong>Kebolehdapatan Alat Ganti<\/strong><\/td><td>Sangat mudah dan berpatutan<\/td><td>Terhad, sukar dicari dan kadangkala mahal<\/td><\/tr><tr><td><strong>Kadar Premium (Asas Risiko)<\/strong><\/td><td>Lebih stabil dan seimbang<\/td><td>Boleh meningkat akibat risiko penyelenggaraan<\/td><\/tr><tr><td><strong>Kelulusan Pelan Komprehensif<\/strong><\/td><td>Automatik dan diutamakan<\/td><td>Tertakluk kepada kelulusan pengunderaitan (underwriting)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Bijak_Dapatkan_Tawaran_Terbaik_Untuk_Kenderaan_Lama\"><\/span><strong>Cara Bijak Dapatkan Tawaran Terbaik Untuk Kenderaan Lama<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Walaupun wujud pengetatan syarat, anda masih boleh mendapatkan tawaran insurans yang berpatutan. Berikut adalah panduannya:<\/p>\n\n\n\n<ol><li><strong>Bandingkan Sebut Harga Secara Meluas:<\/strong> Jangan terus memperbaharui insurans dengan syarikat yang sama secara membuta tuli. Dengan pasaran terbuka pada 2026, syarikat A dan syarikat B mungkin menawarkan harga yang jauh berbeza untuk model kereta lama yang sama.<\/li><li><strong>Tetapkan <\/strong><strong><em>Sum Insured<\/em><\/strong><strong> dengan Betul:<\/strong> Pastikan jumlah diinsuranskan menepati nilai pasaran semasa kereta anda. Pengguna kenderaan lama dinasihatkan agar tidak menginsuranskan kenderaan terlalu tinggi (over-insurance) atau terlalu rendah (under-insurance).<\/li><li><strong>Pelihara Rekod NCD Anda:<\/strong> Diskaun Tiada Tuntutan (NCD) adalah perisai paling utuh untuk merendahkan harga premium. Bagi pemandu lama, <a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-sistem-ncd-no-claim-discount-berfungsi\">memahami fungsi dan mengekalkan rekod NCD<\/a> pada tahap maksimum 55% amatlah penting sebelum tarif baharu melonjakkan harga asas perlindungan.<\/li><li><strong>Pertimbangkan Polisi TPFT:<\/strong> Jika polisi komprehensif terlalu mahal atau tidak diluluskan, polisi Pihak Ketiga, Kebakaran &amp; Kecurian (TPFT) adalah alternatif terbaik yang masih melindungi kereta anda daripada hilang dicuri atau terbakar.<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Soalan_Lazim_FAQ\"><\/span><strong>Soalan Lazim (FAQ)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>1. Adakah premium insurans kereta lama akan naik secara automatik pada 2026?<\/strong><br>Tidak semestinya automatik, tetapi terdapat kemungkinan besar premium akan lebih tinggi. Syarikat insurans akan mengambil kira risiko yang lebih besar dan kesukaran membaiki kenderaan lama apabila meletakkan harga.<\/li><li><strong>2. Bolehkah saya renew polisi Komprehensif walaupun kereta saya sudah melebihi 15 tahun?<\/strong><br>Boleh, tetapi ia bergantung kepada budi bicara (underwriting) syarikat insurans tersebut. Ada syarikat yang membenarkan perlindungan komprehensif jika keadaan kenderaan masih amat baik dan mempunyai rekod tuntutan sifar.<\/li><li><strong>3. Apa yang perlu saya buat sebelum renew insurans tahun ini?<\/strong><br>Lakukan kaji selidik. Bandingkan beberapa sebut harga dari pelbagai syarikat insurans. Pastikan anda faham jenis perlindungan (sama ada Komprehensif atau TPFT) dan nilai tambah yang disertakan sebelum membuat keputusan.<\/li><\/ul>\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>Renew insurans kereta lama menjelang tahun 2026 dan fasa de-tarifikasi sememangnya memerlukan persediaan serta penelitian yang lebih tajam. Usia kenderaan bukan halangan untuk mendapatkan perlindungan, asalkan anda bijak mengkaji pasaran dan memastikan profil pemanduan anda kekal bersih.<\/p>\n\n\n\n<p><strong>Jangan bayar lebih dari yang sepatutnya! Bandingkan pelbagai tawaran insurans untuk kereta lama dan pilih yang terbaik hanya di <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=renew-insurans-kereta-lama-malaysia-2026-apa-yang-berubah\">bjak.my<\/a> hari ini.<\/strong><\/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=renew-insurans-kereta-lama-malaysia-2026-apa-yang-berubah\" 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\/insurans-kereta\/harga-road-tax-dan-insurans-toyota-vios-di-malaysia-2026\">Harga Road Tax dan Insurans Toyota Vios di Malaysia (2026)<\/a><br><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/harga-road-tax-dan-insurans-perodua-ativa-di-malaysia-2026\">Harga Road Tax dan Insurans Perodua Ativa di Malaysia (2026)<\/a><br><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/de-tarifikasi-insurans-kereta-maksudnya-pada-2026\">De-Tarifikasi Insurans Kereta \u2014 Maksudnya pada 2026<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Renew insurans untuk kereta lama sentiasa mempunyai cabaran tersendiri. Ketahui apa yang berubah pada tahun 2026, kesan pelaksanaan de-tarifikasi, dan bagaimana anda boleh mendapatkan tawaran perlindungan terbaik di pasaran.<\/p>\n","protected":false},"author":39,"featured_media":60614,"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":[26,243,436],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Renew Insurans Kereta Lama Malaysia 2026 \u2014 Apa Yang Berubah | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Renew Insurans Kereta Lama Malaysia 2026 \u2014 Apa Yang Berubah Apa yang berubah apabila anda renew insurans kereta lama pada 2026? 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