{"id":60846,"date":"2026-08-05T18:26:12","date_gmt":"2026-08-05T10:26:12","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=60846"},"modified":"2026-08-05T18:56:32","modified_gmt":"2026-08-05T10:56:32","slug":"claim-kemalangan-motosikal-malaysia-apa-setiap-rider-perlu-tahu","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-kemalangan-motosikal-malaysia-apa-setiap-rider-perlu-tahu","title":{"rendered":"Claim Kemalangan Motosikal Malaysia: Apa Setiap Rider Perlu Tahu"},"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-6a735f52c4600\" 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-6a735f52c4600\"><\/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\/claim-kemalangan-motosikal-malaysia-apa-setiap-rider-perlu-tahu\/#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\/claim-kemalangan-motosikal-malaysia-apa-setiap-rider-perlu-tahu\/#Apa_Yang_Perlu_Dilakukan_Sejurus_Selepas_Kemalangan\" title=\"Apa Yang Perlu Dilakukan Sejurus Selepas Kemalangan\">Apa Yang Perlu Dilakukan Sejurus Selepas Kemalangan<\/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\/claim-kemalangan-motosikal-malaysia-apa-setiap-rider-perlu-tahu\/#Membuat_Laporan_Polis\" title=\"Membuat Laporan Polis\">Membuat Laporan Polis<\/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\/claim-kemalangan-motosikal-malaysia-apa-setiap-rider-perlu-tahu\/#Dokumen_Yang_Diperlukan_Untuk_Claim_Kemalangan_Motosikal_di_Malaysia\" title=\"Dokumen Yang Diperlukan Untuk Claim Kemalangan Motosikal di Malaysia\">Dokumen Yang Diperlukan Untuk Claim Kemalangan Motosikal di Malaysia<\/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\/claim-kemalangan-motosikal-malaysia-apa-setiap-rider-perlu-tahu\/#Bagaimana_NCD_Terjejas\" title=\"Bagaimana NCD Terjejas\">Bagaimana NCD Terjejas<\/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\/claim-kemalangan-motosikal-malaysia-apa-setiap-rider-perlu-tahu\/#Soalan_Lazim_FAQ_Claim_Kemalangan_Motosikal_Malaysia\" title=\"Soalan Lazim (FAQ) Claim Kemalangan Motosikal Malaysia\">Soalan Lazim (FAQ) Claim Kemalangan Motosikal Malaysia<\/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\/claim-kemalangan-motosikal-malaysia-apa-setiap-rider-perlu-tahu\/#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-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-kemalangan-motosikal-malaysia-apa-setiap-rider-perlu-tahu\/#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-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-kemalangan-motosikal-malaysia-apa-setiap-rider-perlu-tahu\/#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>Penunggang motosikal di Malaysia sentiasa berhadapan dengan risiko keselamatan yang lebih tinggi di jalan raya. Oleh sebab itu, apabila <strong>claim kemalangan motosikal di Malaysia<\/strong> perlu dibuat, mengetahui langkah tindakan yang betul adalah sangat penting. Proses <strong>claim kemalangan motosikal Malaysia<\/strong> sebenarnya tidaklah sesukar yang disangka jika anda peka dengan peraturannya.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Yang_Perlu_Dilakukan_Sejurus_Selepas_Kemalangan\"><\/span><strong>Apa Yang Perlu Dilakukan Sejurus Selepas Kemalangan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika anda terbabit dalam kemalangan, jangan panik. Sila ikut langkah-langkah di bawah untuk memastikan keselamatan dan melancarkan proses tuntutan anda:<\/p>\n\n\n\n<ol><li><strong>Utamakan Keselamatan:<\/strong> Pastikan semua pihak di lokasi berada dalam keadaan selamat. Segera hubungi ambulans untuk mendapatkan bantuan perubatan jika terdapat kecederaan fizikal.<\/li><li><strong>Jangan Alihkan Kenderaan:<\/strong> Elakkan daripada mengalihkan kenderaan melainkan ia benar-benar perlu untuk keselamatan nyawa atau atas arahan pihak berkuasa.<\/li><li><strong>Kumpul Bukti Bergambar:<\/strong> Ambil gambar kejadian dengan jelas dari pelbagai sudut penting. Pastikan kerosakan pada setiap kenderaan dan nombor plat dirakam dengan teliti.<\/li><li><strong>Tukar Butiran Penting:<\/strong> Dapatkan butiran pemandu lain yang terlibat. Ini termasuk nama penuh, nombor kad pengenalan (IC), nombor telefon, maklumat insurans, dan pendaftaran kenderaan.<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Membuat_Laporan_Polis\"><\/span><strong>Membuat Laporan Polis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda diwajibkan untuk membuat laporan polis dalam tempoh 24 jam selepas kemalangan tersebut berlaku. Kegagalan berbuat demikian boleh menyebabkan anda dikenakan saman lalu lintas. Paling membimbangkan, kelewatan ini memberi alasan kukuh kepada pihak insurans untuk menolak permohonan tuntutan anda kelak.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Dokumen_Yang_Diperlukan_Untuk_Claim_Kemalangan_Motosikal_di_Malaysia\"><\/span><strong>Dokumen Yang Diperlukan Untuk <strong>Claim Kemalangan Motosikal di Malaysia<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Syarikat insurans memerlukan set dokumen yang lengkap untuk memproses permohonan anda dengan pantas. Menyediakan dokumen ini lebih awal dapat mengurangkan risiko tuntutan ditolak.<\/p>\n\n\n\n<p>Berikut adalah jadual rujukan ringkas dokumen yang diperlukan:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Jenis Dokumen<\/strong><\/td><td><strong>Keterangan Penting<\/strong><\/td><\/tr><tr><td><strong>Borang Tuntutan<\/strong><\/td><td>Borang tuntutan rasmi daripada syarikat insurans yang telah lengkap diisi<\/td><\/tr><tr><td><strong>Laporan Polis<\/strong><\/td><td>Salinan asal laporan polis kemalangan yang telah disahkan<\/td><\/tr><tr><td><strong>Kad Pengenalan &amp; Lesen<\/strong><\/td><td>Salinan IC dan lesen memandu <em>rider<\/em> yang masih sah<\/td><\/tr><tr><td><strong>Geran Motosikal (VOC)<\/strong><\/td><td>Salinan Sijil Pemilikan Kenderaan bagi motosikal yang terbabit<\/td><\/tr><tr><td><strong>Polisi Insurans<\/strong><\/td><td>Salinan Sijil Insurans (<em>Cover Note<\/em>) yang membuktikan polisi masih aktif<\/td><\/tr><tr><td><strong>Bukti Bergambar<\/strong><\/td><td>Gambar cetakan yang jelas mengenai lokasi kejadian dan kerosakan<\/td><\/tr><tr><td><strong>Sebut Harga (<\/strong><strong><em>Quotation<\/em><\/strong><strong>)<\/strong><\/td><td>Anggaran kos pembaikan alat ganti daripada bengkel panel bertauliah<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_NCD_Terjejas\"><\/span><strong>Bagaimana NCD Terjejas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Nilai NCD motosikal anda merupakan satu aset penjimatan yang besar. Jika siasatan membuktikan anda tidak bersalah, NCD anda sepatutnya kekal selamat melalui permohonan tuntutan <em>No-Fault Own Damage<\/em> (OD-KFK).<\/p>\n\n\n\n<p>Walau bagaimanapun, situasi berbeza jika anda didapati bersalah atas kecuaian sendiri. Jika anda terpaksa membuat tuntutan kerosakan sendiri (<em>Own Damage<\/em>), NCD anda akan terus diset semula ke paras 0% pada pembaharuan tahun hadapan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Soalan_Lazim_FAQ_Claim_Kemalangan_Motosikal_Malaysia\"><\/span><strong>Soalan Lazim (FAQ) Claim Kemalangan Motosikal Malaysia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Perlukah saya buat laporan polis untuk setiap kemalangan?<\/strong><\/li><li>Ya, terutamanya jika terdapat kes kecederaan fizikal atau kerosakan harta benda yang ketara. Ia adalah dokumen wajib bagi melengkapkan proses <strong>claim kemalangan motosikal Malaysia<\/strong>.<\/li><li><strong>Bolehkah saya claim jika tiada insurans komprehensif?<\/strong><\/li><li>Anda hanya boleh membuat tuntutan daripada pihak ketiga jika terbukti pihak lain yang bersalah sepenuhnya. Namun, jika anda yang bersalah dan hanya memiliki insurans pihak ketiga, anda perlu menanggung kos baik pulih motosikal sendiri.<\/li><li><strong>Berapa lama proses claim motosikal kelolaan insurans?<\/strong><\/li><li>Proses kelulusan biasanya mengambil masa antara 2 hingga 6 minggu. Tempoh ini amat bergantung kepada kerumitan tahap kerosakan dan sama ada liabiliti kesalahan dipertikaikan.<\/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>Untuk pemahaman yang lebih teliti mengenai perlindungan, sila baca artikel kami mengenai<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-pihak-ketiga\" target=\"_blank\" rel=\"noreferrer noopener\"> penjelasan insurans pihak ketiga<\/a>. Seterusnya, bandingkan tahap kelebihannya melalui rujukan tentang<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-itu-insurans-kereta-komprehensif\" target=\"_blank\" rel=\"noreferrer noopener\"> apa itu insurans komprehensif<\/a> supaya anda membuat pilihan yang paling bijak.<\/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>Platform Bjak menawarkan akses mudah untuk perbandingan insurans motosikal daripada pelbagai syarikat terkemuka negara. <em>Rider<\/em> kini boleh mencari pelan perlindungan yang paling sesuai dengan kadar bajet masing-masing secara telus.<\/p>\n\n\n\n<p>Selain itu, anda boleh membuat pembaharuan (<em>renew<\/em>) secara dalam talian tanpa bersusah payah ke kaunter. Bjak turut melengkapkan profil anda dengan sistem peringatan tarikh luput percuma agar insurans anda tidak pernah tertunggak.<\/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, mengetahui prosedur tindakan yang betul selepas kemalangan akan melindungi hak mutlak anda dan mempercepatkan kelulusan tuntutan. Sentiasalah memandu dengan selamat dan pastikan polisi insurans perlindungan diri anda aktif setiap masa.<\/p>\n\n\n\n<p>Bandingkan harga dan <em>renew<\/em> insurans motosikal anda dalam beberapa minit sahaja di <strong><a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=claim-kemalangan-motosikal-malaysia-apa-setiap-rider-perlu-tahu\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a><\/strong> hari ini!<\/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=claim-kemalangan-motosikal-malaysia-apa-setiap-rider-perlu-tahu\" 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\/why-your-cars-market-value-drops-every-year-and-how-it-hits-your-premium\">Car Market Value Drops Every Year: How It Hits Your Premium<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/knock-for-knock-claims-in-malaysia-will-it-affect-your-ncd\">Knock-for-Knock Claims in Malaysia: Will It Affect Your NCD?<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/legal-liability-to-passengers-cover-in-malaysia\">Legal Liability to Passengers Cover in Malaysia<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Terlibat dalam kemalangan motosikal boleh menjadi sangat tertekan. Mengetahui langkah yang betul dalam 24 jam pertama boleh membuat perbezaan besar kepada hasil tuntutan anda.<\/p>\n","protected":false},"author":39,"featured_media":60847,"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>Claim Kemalangan Motosikal Malaysia: Apa Setiap Rider Perlu Tahu | BJAK<\/title>\n<meta name=\"description\" content=\"Apa yang perlu dilakukan selepas claim kemalangan motosikal di Malaysia. 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