{"id":60808,"date":"2026-07-30T15:18:24","date_gmt":"2026-07-30T07:18:24","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=60808"},"modified":"2026-07-30T15:19:29","modified_gmt":"2026-07-30T07:19:29","slug":"mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham","title":{"rendered":"Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham"},"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-6a6b2f9660451\" 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-6a6b2f9660451\"><\/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\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#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\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#1_Mitos_Insurans_Pihak_Ketiga_Sentiasa_Lebih_Murah_dan_Cukup\" title=\"1. Mitos: Insurans Pihak Ketiga Sentiasa Lebih Murah dan Cukup\">1. Mitos: Insurans Pihak Ketiga Sentiasa Lebih Murah dan Cukup<\/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\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#2_Mitos_Anda_Akan_Kehilangan_NCD_Jika_Bertukar_Syarikat_Insurans\" title=\"2. Mitos: Anda Akan Kehilangan NCD Jika Bertukar Syarikat Insurans\">2. Mitos: Anda Akan Kehilangan NCD Jika Bertukar Syarikat Insurans<\/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\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#3_Mitos_Insurans_Komprehensif_Melindungi_Segala-galanya\" title=\"3. Mitos: Insurans Komprehensif Melindungi Segala-galanya\">3. Mitos: Insurans Komprehensif Melindungi Segala-galanya<\/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\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#4_Mitos_Tuntutan_Cermin_Pecah_Akan_Menghapuskan_NCD_Anda\" title=\"4. Mitos: Tuntutan Cermin Pecah Akan Menghapuskan NCD Anda\">4. Mitos: Tuntutan Cermin Pecah Akan Menghapuskan NCD Anda<\/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\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#5_Mitos_Warna_Kereta_Mempengaruhi_Harga_Premium_Insurans\" title=\"5. Mitos: Warna Kereta Mempengaruhi Harga Premium Insurans\">5. Mitos: Warna Kereta Mempengaruhi Harga 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\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#6_Mitos_Kereta_Lama_Tidak_Boleh_Mendapatkan_Insurans_Komprehensif\" title=\"6. Mitos: Kereta Lama Tidak Boleh Mendapatkan Insurans Komprehensif\">6. Mitos: Kereta Lama Tidak Boleh Mendapatkan Insurans Komprehensif<\/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\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#7_Mitos_Penumpang_Dilindungi_Secara_Automatik_Jika_Berlaku_Kemalangan\" title=\"7. Mitos: Penumpang Dilindungi Secara Automatik Jika Berlaku Kemalangan\">7. Mitos: Penumpang Dilindungi Secara Automatik Jika Berlaku Kemalangan<\/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\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#8_Mitos_Anda_Mendapat_Harga_Beli_Penuh_Jika_Kereta_Dicuri\" title=\"8. Mitos: Anda Mendapat Harga Beli Penuh Jika Kereta Dicuri\">8. Mitos: Anda Mendapat Harga Beli Penuh Jika Kereta Dicuri<\/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\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#9_Mitos_Insuranskan_Kereta_Lebih_Dari_Nilai_Pasaran_Beri_Untung_Besar\" title=\"9. Mitos: Insuranskan Kereta Lebih Dari Nilai Pasaran Beri Untung Besar\">9. Mitos: Insuranskan Kereta Lebih Dari Nilai Pasaran Beri Untung Besar<\/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\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#10_Mitos_Menyembunyikan_Sejarah_Kemalangan_Boleh_Merendahkan_Premium\" title=\"10. Mitos: Menyembunyikan Sejarah Kemalangan Boleh Merendahkan Premium\">10. Mitos: Menyembunyikan Sejarah Kemalangan Boleh Merendahkan Premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#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-13\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#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-14\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#Bagaimana_Bjak_Membantu_Anda\" title=\"Bagaimana Bjak Membantu Anda\">Bagaimana Bjak Membantu Anda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\/#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>Industri insurans kenderaan di negara kita penuh dengan pelbagai mitos insurans kereta Malaysia yang telah diwarisi sejak sekian lama. <strong>Akibatnya<\/strong>, ramai pemandu terlepas pandang fakta sebenar mengenai tahap perlindungan mereka dan mudah terpengaruh dengan mitos insurans kereta Malaysia.<\/p>\n\n\n\n<p>Kekeliruan ini boleh menyebabkan anda membuat kesilapan yang mahal semasa memperbaharui polisi setiap tahun. Oleh itu, mari kita bongkar 10 <strong>mitos insurans kereta Malaysia<\/strong> yang paling kerap didengari dan pelajari fakta sebenar untuk mengelakkan kerugian!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Mitos_Insurans_Pihak_Ketiga_Sentiasa_Lebih_Murah_dan_Cukup\"><\/span><strong>1. Mitos: Insurans Pihak Ketiga Sentiasa Lebih Murah dan Cukup<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Fakta:<\/strong> Walaupun insurans pihak ketiga terbukti lebih murah dari segi harga premium, ia jarang sekali &#8220;cukup&#8221; untuk kebanyakan pemandu. <strong>Sebaliknya<\/strong>, polisi ini hanya menanggung ganti rugi kerosakan harta benda orang lain yang dilanggar oleh anda. Sebaliknya, jika kereta anda sendiri rosak teruk atau dicuri, anda terpaksa mengeluarkan wang simpanan sendiri untuk kos pembaikan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Mitos_Anda_Akan_Kehilangan_NCD_Jika_Bertukar_Syarikat_Insurans\"><\/span><strong>2. Mitos: Anda Akan Kehilangan NCD Jika Bertukar Syarikat Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Fakta:<\/strong> Ramai orang takut untuk bertukar syarikat kerana bimbang Diskaun Tiada Tuntutan (NCD) mereka akan kembali ke angka sifar. Sebenarnya, rekod NCD terikat sepenuhnya pada nama dan kad pengenalan anda, bukannya pada syarikat insurans tersebut. Anda bebas bertukar ke mana-mana penyedia baharu tanpa kehilangan diskaun, asalkan tiada tuntutan kemalangan dibuat.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Mitos_Insurans_Komprehensif_Melindungi_Segala-galanya\"><\/span><strong>3. Mitos: Insurans Komprehensif Melindungi Segala-galanya<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Fakta:<\/strong> Penggunaan istilah &#8220;komprehensif&#8221; tidak bermaksud setiap jenis kerosakan akan ditanggung secara automatik. <strong>Namun begitu<\/strong>, polisi ini masih mempunyai pengecualian utama yang perlu anda ambil tahu. Sebagai contoh, ia tidak akan melindungi masalah haus dan lusuh, ubah suai enjin haram, kerosakan akibat pemanduan mabuk, atau bencana alam.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Mitos_Tuntutan_Cermin_Pecah_Akan_Menghapuskan_NCD_Anda\"><\/span><strong>4. Mitos: Tuntutan Cermin Pecah Akan Menghapuskan NCD Anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Fakta:<\/strong> Sekiranya anda membuat tuntutan cermin depan di bawah polisi komprehensif biasa (tanpa perlindungan cermin), NCD anda memang akan lebur. Walau bagaimanapun, jika anda telah membeli <em>add-on<\/em> cermin depan lebih awal, membuat tuntutan pembaikan cermin tidak akan menjejaskan NCD anda sama sekali.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Mitos_Warna_Kereta_Mempengaruhi_Harga_Premium_Insurans\"><\/span><strong>5. Mitos: Warna Kereta Mempengaruhi Harga Premium Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Fakta:<\/strong> Anda mungkin pernah dengar bahawa kereta berwarna merah dikenakan premium lebih mahal kerana dianggap &#8220;lebih laju&#8221; atau berisiko. Ini sebenarnya adalah mitos yang dibawa dari negara Barat. Di Malaysia, warna cat langsung tidak diambil kira; harga dikira berdasarkan model kereta, kapasiti enjin (CC), lokasi, dan profil pemandu.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"6_Mitos_Kereta_Lama_Tidak_Boleh_Mendapatkan_Insurans_Komprehensif\"><\/span><strong>6. Mitos: Kereta Lama Tidak Boleh Mendapatkan Insurans Komprehensif<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Fakta:<\/strong> Walaupun kereta anda sudah berusia lebih 10 tahun, ia belum tentu ditolak daripada mendapat perlindungan komprehensif. Terdapat banyak syarikat insurans yang masih menawarkan polisi komprehensif untuk kereta lama sehingga usia 15 atau 20 tahun. Pada akhirnya, ia bergantung kepada penilaian risiko syarikat dan keadaan semasa kenderaan tersebut.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"7_Mitos_Penumpang_Dilindungi_Secara_Automatik_Jika_Berlaku_Kemalangan\"><\/span><strong>7. Mitos: Penumpang Dilindungi Secara Automatik Jika Berlaku Kemalangan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Fakta:<\/strong> Insurans kereta asas tidak menanggung kos bil perubatan atau liabiliti undang-undang untuk penumpang di dalam kereta anda. Untuk melindungi ahli keluarga atau rakan anda dengan betul, anda perlu membeli perlindungan tambahan. Pilihan seperti Liabiliti Undang-undang Kepada Penumpang (LLOP) atau insurans Kemalangan Peribadi (PA) adalah amat disarankan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"8_Mitos_Anda_Mendapat_Harga_Beli_Penuh_Jika_Kereta_Dicuri\"><\/span><strong>8. Mitos: Anda Mendapat Harga Beli Penuh Jika Kereta Dicuri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Fakta:<\/strong> Sekiranya kereta anda dicuri atau diisytiharkan <em>total loss<\/em>, syarikat insurans tidak akan memulangkan harga asal semasa anda membelinya di pusat pameran. Sebaliknya, mereka hanya akan membayar ganti rugi berdasarkan nilai pasaran semasa atau nilai dipersetujui (<em>agreed value<\/em>) di dalam polisi. Oleh itu, faktor susut nilai sentiasa diambil kira.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"9_Mitos_Insuranskan_Kereta_Lebih_Dari_Nilai_Pasaran_Beri_Untung_Besar\"><\/span><strong>9. Mitos: Insuranskan Kereta Lebih Dari Nilai Pasaran Beri Untung Besar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Fakta:<\/strong> Meletakkan nilai perlindungan (<em>sum insured<\/em>) yang lebih tinggi daripada nilai sebenar kereta dipanggil <em>over-insurance<\/em>, dan ia adalah tindakan yang merugikan. <strong>Pada akhirnya<\/strong>, anda hanya akan membayar premium yang tinggi tanpa sebarang manfaat tambahan. Ketika proses tuntutan, syarikat insurans tetap akan membayar ganti rugi mengikut nilai pasaran sebenar sahaja.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"10_Mitos_Menyembunyikan_Sejarah_Kemalangan_Boleh_Merendahkan_Premium\"><\/span><strong>10. Mitos: Menyembunyikan Sejarah Kemalangan Boleh Merendahkan Premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Fakta:<\/strong> Jangan sesekali menipu ejen insurans atau menyembunyikan maklumat mengenai kemalangan masa lalu anda. <strong>Selain itu<\/strong>, semua syarikat insurans di Malaysia berkongsi pangkalan data berpusat yang dikenali sebagai <em>Insurance Services Malaysia<\/em> (ISM). Sejarah kemalangan anda dijejak dengan ketat, dan penipuan boleh menyebabkan tuntutan anda ditolak kelak.<\/p>\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>Benarkah NCD saya akan hilang jika saya membuat tuntutan?<\/strong><\/li><li>NCD anda hanya akan hilang jika anda adalah pihak yang bersalah dalam kemalangan tersebut. Jika pemandu lain yang bersalah dan anda membuat tuntutan pihak ketiga terhadap mereka, NCD anda kekal 100% selamat.<\/li><li><strong>Adakah insurans komprehensif menanggung kerosakan banjir?<\/strong><\/li><li>Tidak secara automatik. Polisi komprehensif hanya akan menanggung kerosakan akibat banjir atau tanah runtuh jika anda memasukkan <em>Add-On Special Perils<\/em> (Bencana Alam) ke dalam polisi anda.<\/li><li><strong>Bolehkah saya insuranskan kereta melebihi nilai pasaran?<\/strong><\/li><li>Sangat tidak digalakkan. Syarikat insurans hanya akan membayar sehingga tahap nilai pasaran semasa ketika tuntutan dibuat. Oleh itu, baki premium tambahan yang anda bayar hanyalah satu pembaziran wang.<\/li><\/ul>\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>Bagi mendapatkan pemahaman yang lebih mendalam, kami amat mengesyorkan anda membaca panduan berkaitan kami. Ketahui had sebenar perlindungan minimum melalui artikel<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-pihak-ketiga\" target=\"_blank\" rel=\"noreferrer noopener\"> penjelasan insurans pihak ketiga<\/a> kami. Tambahan pula, selami lebih lanjut mengenai<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-itu-insurans-kereta-komprehensif\" target=\"_blank\" rel=\"noreferrer noopener\"> apa itu insurans kereta komprehensif<\/a> sebelum memuktamadkan pilihan anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_Bjak_Membantu_Anda\"><\/span><strong>Bagaimana Bjak Membantu Anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bjak menjadikan proses perbandingan sebut harga daripada lebih 10 syarikat insurans terkemuka di Malaysia sangat pantas dan mudah. Melalui platform ini, anda boleh melihat perbezaan harga sebenar antara polisi pihak ketiga dan komprehensif dengan jelas.<\/p>\n\n\n\n<p>Semuanya dilakukan 100% dalam talian dalam satu masa. Ciri ini memberikan anda kebebasan penuh untuk menilai pilihan anda tanpa sebarang desakan daripada ejen fizikal.<\/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>Kesimpulannya, jangan biarkan <strong>mitos insurans kereta Malaysia<\/strong> yang tidak berasas ini menyebabkan anda kehilangan wang ringgit atau memandu tanpa perlindungan yang mencukupi. Sentiasa sahkan fakta dan fahami terma polisi sebelum memperbaharui insurans kereta anda.<\/p>\n\n\n\n<p>Bandingkan sebut harga dan renew dalam beberapa minit sahaja di <strong><a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=mitos-insurans-kereta--10-perkara-rakyat-malaysia-silap-faham\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a><\/strong> \u2014 cara paling pantas dan selamat untuk menjamin perlindungan kenderaan anda!<\/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=mitos-insurans-kereta--10-perkara-rakyat-malaysia-silap-faham\" 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\/roadtax\/harga-road-tax-malaysia-2026-senarai-penuh-mengikut-cc-enjin\">Harga Road Tax Malaysia 2026 \u2014 Senarai Mengikut CC Enjin<\/a><br><a href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-accident-claims-what-every-rider-must-know\">Motorcycle Accident Claims \u2014 What Every Rider Must Know<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-protector-add-on-is-it-worth-paying-to-keep-your-discount\">NCD Protector Add-On: Is It Worth It?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemandu Malaysia mempercayai maklumat yang salah tentang mitos insurans kereta Malaysia. Berikut adalah 10 mitos biasa yang telah dibongkar \u2014 dan fakta sebenar yang perlu anda tahu sebelum renew.<\/p>\n","protected":false},"author":39,"featured_media":60809,"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>Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham 10 mitos insurans kereta yang paling biasa di Malaysia dibongkar. Ketahui fakta sebenar tentang NCD, insurans komprehensif, dan pihak ketiga.\" \/>\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\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham 10 mitos insurans kereta yang paling biasa di Malaysia dibongkar. Ketahui fakta sebenar tentang NCD, insurans komprehensif, dan pihak ketiga.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\" \/>\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=\"2026-07-30T07:18:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-30T07:19:29+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\/Mitos-Insurans-Kereta-\u2014-10-Perkara-Rakyat-Malaysia-Silap-Faham.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=\"5 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! Fastest way to renew in Malaysia!\",\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bjak.my\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#primaryimage\",\"url\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/07\/Mitos-Insurans-Kereta-\u2014-10-Perkara-Rakyat-Malaysia-Silap-Faham.webp?fit=1080%2C683&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/07\/Mitos-Insurans-Kereta-\u2014-10-Perkara-Rakyat-Malaysia-Silap-Faham.webp?fit=1080%2C683&ssl=1\",\"width\":1080,\"height\":683,\"caption\":\"Infografik menunjukkan 10 mitos insurans kereta yang dibongkar\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\",\"name\":\"Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham | BJAK\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#primaryimage\"},\"datePublished\":\"2026-07-30T07:18:24+00:00\",\"dateModified\":\"2026-07-30T07:19:29+00:00\",\"description\":\"BJAK | Insurans Kereta | Read about: Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham 10 mitos insurans kereta yang paling biasa di Malaysia dibongkar. Ketahui fakta sebenar tentang NCD, insurans komprehensif, dan pihak ketiga.\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/2727fd60d89b9a1fc47d4084aee994c0\"},\"headline\":\"Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham\",\"datePublished\":\"2026-07-30T07:18:24+00:00\",\"dateModified\":\"2026-07-30T07:19:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#webpage\"},\"wordCount\":935,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/07\/Mitos-Insurans-Kereta-\u2014-10-Perkara-Rakyat-Malaysia-Silap-Faham.webp?fit=1080%2C683&ssl=1\",\"keywords\":[\"BM\",\"insurans kereta\",\"roadtax\"],\"articleSection\":[\"Insurans Kereta\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/2727fd60d89b9a1fc47d4084aee994c0\",\"name\":\"BJAK Content Team\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a46dc081c20cd2d1035f38d9e1bb32be?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a46dc081c20cd2d1035f38d9e1bb32be?s=96&d=mm&r=g\",\"caption\":\"BJAK Content Team\"},\"url\":\"https:\/\/bjak.my\/blog\/author\/nabilfarhan\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham | BJAK","description":"BJAK | Insurans Kereta | Read about: Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham 10 mitos insurans kereta yang paling biasa di Malaysia dibongkar. Ketahui fakta sebenar tentang NCD, insurans komprehensif, dan pihak ketiga.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham","og_locale":"en_US","og_type":"article","og_title":"Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham | BJAK","og_description":"BJAK | Insurans Kereta | Read about: Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham 10 mitos insurans kereta yang paling biasa di Malaysia dibongkar. Ketahui fakta sebenar tentang NCD, insurans komprehensif, dan pihak ketiga.","og_url":"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2026-07-30T07:18:24+00:00","article_modified_time":"2026-07-30T07:19:29+00:00","twitter_card":"summary_large_image","twitter_image":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/07\/Mitos-Insurans-Kereta-\u2014-10-Perkara-Rakyat-Malaysia-Silap-Faham.webp?fit=1080%2C683&ssl=1","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"BJAK Content Team","Est. reading time":"5 minutes"},"schema":{"@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! Fastest way to renew in Malaysia!","publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bjak.my\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#primaryimage","url":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/07\/Mitos-Insurans-Kereta-\u2014-10-Perkara-Rakyat-Malaysia-Silap-Faham.webp?fit=1080%2C683&ssl=1","contentUrl":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/07\/Mitos-Insurans-Kereta-\u2014-10-Perkara-Rakyat-Malaysia-Silap-Faham.webp?fit=1080%2C683&ssl=1","width":1080,"height":683,"caption":"Infografik menunjukkan 10 mitos insurans kereta yang dibongkar"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#webpage","url":"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham","name":"Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham | BJAK","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#primaryimage"},"datePublished":"2026-07-30T07:18:24+00:00","dateModified":"2026-07-30T07:19:29+00:00","description":"BJAK | Insurans Kereta | Read about: Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham 10 mitos insurans kereta yang paling biasa di Malaysia dibongkar. Ketahui fakta sebenar tentang NCD, insurans komprehensif, dan pihak ketiga.","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/2727fd60d89b9a1fc47d4084aee994c0"},"headline":"Mitos Insurans Kereta \u2014 10 Perkara Rakyat Malaysia Silap Faham","datePublished":"2026-07-30T07:18:24+00:00","dateModified":"2026-07-30T07:19:29+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#webpage"},"wordCount":935,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-insurans-kereta-10-perkara-rakyat-malaysia-silap-faham#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/07\/Mitos-Insurans-Kereta-\u2014-10-Perkara-Rakyat-Malaysia-Silap-Faham.webp?fit=1080%2C683&ssl=1","keywords":["BM","insurans kereta","roadtax"],"articleSection":["Insurans Kereta"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/2727fd60d89b9a1fc47d4084aee994c0","name":"BJAK Content Team","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/a46dc081c20cd2d1035f38d9e1bb32be?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a46dc081c20cd2d1035f38d9e1bb32be?s=96&d=mm&r=g","caption":"BJAK Content Team"},"url":"https:\/\/bjak.my\/blog\/author\/nabilfarhan"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/07\/Mitos-Insurans-Kereta-\u2014-10-Perkara-Rakyat-Malaysia-Silap-Faham.webp?fit=1080%2C683&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/60808"}],"collection":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/users\/39"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=60808"}],"version-history":[{"count":4,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/60808\/revisions"}],"predecessor-version":[{"id":60814,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/60808\/revisions\/60814"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/60809"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=60808"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=60808"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=60808"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}