{"id":9506,"date":"2021-11-08T13:00:12","date_gmt":"2021-11-08T05:00:12","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=9506"},"modified":"2025-09-12T17:46:24","modified_gmt":"2025-09-12T09:46:24","slug":"penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-motosikal\/penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal","title":{"rendered":"Penting! Ini 5 Perkara yang Tidak Dilindungi dalam Polisi Insurans Motosikal"},"content":{"rendered":"\n<p>Anda penunggang motosikal? Tahukah anda, bahawa kemalangan jalan raya adalah paling banyak membabitkan penunggang motosikal berbanding pengguna jalan raya lain?<\/p>\n\n\n\n<p>Justeru itu bagi pemilik motosikal, perlindungan insurans dengan polisi komprehensif adalah yang terbaik supaya anda dan motosikal lebih dilindungi sekiranya berlaku sesuatu tidak yang diingini.&nbsp;<\/p>\n\n\n\n<p>Namun secara amnya, masih terdapat beberapa perkara atau situasi yang tidak akan dilindungi oleh pihak insurans meskipun dengan perlindungan insurans komprehensif.<\/p>\n\n\n\n<p>Berikut merupakan beberapa perkara atau situasi yang dimaksudkan:<\/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-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_campaign=penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\" target=\"_blank\" rel=\"noreferrer noopener\">Renew Insurans Terbaik<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\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-69e051aa494b8\" 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-69e051aa494b8\"><\/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-motosikal\/penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\/#Kerosakan_motosikal_akibat_kesalahan_jenayah\" title=\"Kerosakan motosikal akibat kesalahan jenayah\">Kerosakan motosikal akibat kesalahan jenayah<\/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-motosikal\/penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\/#Tuntutan_palsu_dan_melampau\" title=\"Tuntutan palsu dan melampau\">Tuntutan palsu dan melampau<\/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-motosikal\/penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\/#Penggunaan_motosikal_untuk_berlumba_dan_sebagainya\" title=\"Penggunaan motosikal untuk berlumba dan sebagainya\">Penggunaan motosikal untuk berlumba dan sebagainya<\/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-motosikal\/penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\/#Penggunaan_motosikal_luar_dari_Malaysia\" title=\"Penggunaan motosikal luar dari Malaysia\">Penggunaan motosikal luar dari 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-motosikal\/penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\/#Motosikal_ditunggang_oleh_penunggang_tidak_dibenarkan\" title=\"Motosikal ditunggang oleh penunggang tidak dibenarkan\">Motosikal ditunggang oleh penunggang tidak dibenarkan<\/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-motosikal\/penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\/#Fahamkan_5_situasi_di_atas\" title=\"Fahamkan 5 situasi di atas\">Fahamkan 5 situasi di atas<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Kerosakan_motosikal_akibat_kesalahan_jenayah\"><\/span>Kerosakan motosikal akibat kesalahan jenayah<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"9708\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\/attachment\/211105_bjakblog_athirah_a6101-01-02\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-02.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"211105_BjakBlog_Athirah_A6101-01-02\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-02.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-02.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-02.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Pihak insurans tidak akan membayar pampasan jika kemalangan motosikal adalah disebabkan oleh kesalahan jenayah \" class=\"wp-image-9708\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-02.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-02.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-02.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-02.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-02.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Tindakan anda menunggang motosikal di bawah pengaruh dadah atau alkohol sehingga mengakibatkan kemalangan akan menyebabkan anda tidak boleh menerima sebarang perlindungan daripada syarikat insurans.<\/p>\n\n\n\n<p>Lebih malang jika kemalangan itu turut membabitkan pihak lain sehingga mendatangkan kecederaan atau kematian pada mereka. Tiada sebarang pampasan akan diberikan kepada anda malah anda perlu menanggungnya menggunakan wang sendiri.<\/p>\n\n\n\n<p>Bahkan lebih teruk, anda turut boleh dikenakan tindakan undang-undang mengikut Seksyen 44(1) Akta Pengangkutan Jalan Raya 1987, kerana menunggang motosikal di bawah pengaruh bahan terlarang seperti dadah atau alkohol dan dikenakan hukuman penjara dengan tempoh 3 hingga 10 tahun dan denda sebanyak RM8,000 sehingga RM20,000.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tuntutan_palsu_dan_melampau\"><\/span>Tuntutan palsu dan melampau<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"9715\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\/attachment\/211105_bjakblog_athirah_a6101-01-03-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"211105_BjakBlog_Athirah_A6101-01-03-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Sebarang tuntutan palsu akan menyebabkan anda tidak dibayar pampasan\" class=\"wp-image-9715\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-03-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Untuk pengetahuan anda, mana-mana tuntutan palsu atau yang sengaja dilebih-lebihkan di bawah polisi anda akan menyebabkan anda tidak akan dilayan dan dibayar pampasan langsung oleh syarikat insurans.<\/p>\n\n\n\n<p>Jika pihak insurans terpaksa juga membuat bayaran bagi sebarang tuntutan kepada pihak ketiga, maka syarikat insurans juga berhak untuk menuntut kembali jumlah yang telah dibayar dan apa-apa kos yang ditanggung daripada anda.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Penggunaan_motosikal_untuk_berlumba_dan_sebagainya\"><\/span>Penggunaan motosikal untuk berlumba dan sebagainya<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"9716\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\/attachment\/211105_bjakblog_athirah_a6101-01-04-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-04-1.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"211105_BjakBlog_Athirah_A6101-01-04-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-04-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-04-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-04-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Tiada perlindungan daripada pihak insurans bagi penggunaan motosikal dengan tujuan yang dilarang\" class=\"wp-image-9716\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-04-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-04-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-04-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-04-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-04-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Syarikat insurans tidak akan memberi perlindungan jika anda menggunakan atau mengizinkan penunggang yang dibenarkan untuk menggunakan motosikal anda dengan tujuan:<\/p>\n\n\n\n<ol><li>Berlatih atau mengambil bahagian dalam mana-mana acara sukan bermotor, pertandingan (selain acara mencari harta karun), rali, perentak perlumbaan, ujian keandalan atau ujian kelajuan;<\/li><li>Di mana-mana litar perlumbaan<\/li><\/ol>\n\n\n\n<p>Namun jika anda memperluaskan pelan dengan mendapatkan perlindungan tambahan bagi tujuan ujian keandalan atau pertandingan, maka anda akan dilindungi jika berlaku sesuatu semasa motosikal digunakan untuk situasi terbabit.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Penggunaan_motosikal_luar_dari_Malaysia\"><\/span>Penggunaan motosikal luar dari Malaysia<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"9717\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\/attachment\/211105_bjakblog_athirah_a6101-01-05-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-05-1.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"211105_BjakBlog_Athirah_A6101-01-05-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-05-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-05-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-05-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Anda boleh memperluaskan pelan dengan membeli perlindungan tambahan bagi meningkatkan jumlah kawasan\" class=\"wp-image-9717\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-05-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-05-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-05-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-05-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-05-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Pihak insurans tidak akan melindungi anda terhadap sebarang tuntutan yang timbul semasa motosikal anda digunakan atau ditunggang luar dari Malaysia.<\/p>\n\n\n\n<p>Namun sesetengah syarikat insurans meluaskan kawasan yang akan dilindungi oleh polisi iaitu sehingga ke Singapura dan Brunei seperti AmAssurance. Ini membolehkan anda untuk membuat tuntutan jika berlaku kerosakan pada motosikal ketika diguna serta ditunggang di dua negara berkenaan.<\/p>\n\n\n\n<p>Walau bagaimanapun, anda tetap boleh memperluaskan pelan dengan membeli perlindungan tambahan bagi meningkatkan jumlah kawasan atau negara di mana polisi boleh digunakan untuk membuat tuntutan. Sila minta bantuan ejen atau khidmat pelanggan insurans untuk mengetahui lebih lanjut mengenai perlindungan tambahan ini kerana ia mungkin berbeza mengikut setiap syarikat insurans.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Motosikal_ditunggang_oleh_penunggang_tidak_dibenarkan\"><\/span>Motosikal ditunggang oleh penunggang tidak dibenarkan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"9718\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\/attachment\/211105_bjakblog_athirah_a6101-01-06-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-06-1.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"211105_BjakBlog_Athirah_A6101-01-06-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-06-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-06-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-06-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Syarikat insurans tidak membayar pampasan jika kemalangan motosikal disebabkan penunggang yang tidak layak\" class=\"wp-image-9718\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-06-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-06-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-06-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-06-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A6101-01-06-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Pada artikel sebelum ini, kami telah menerangkan kepada anda mengenai siapa yang layak menunggang motosikal anda dan siapa yang tidak.&nbsp;<\/p>\n\n\n\n<p>Untuk makluman anda, syarikat insurans tidak akan membayar sebarang ganti rugi untuk mana-mana kejadian, kerosakan, kerugian atau liabiliti yang disebabkan semasa motosikal anda ditunggang oleh mana-mana orang selain daripada penunggang dibenarkan.<\/p>\n\n\n\n<p>Jadi untuk mengelakkan ia berlaku, anda tidak bolehlah sewenang-wenangnya meminjamkan motosikal kepada penunggang yang tidak dibenarkan dan kenalpasti siapakah yang boleh menggunakan motosikal anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Fahamkan_5_situasi_di_atas\"><\/span>Fahamkan 5 situasi di atas<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika diteliti, tidak semua kejadian di atas boleh diselesaikan dengan membeli pelan tambahan di dalam polisi komprehensif. Jadi, adalah penting untuk anda memahami perkara ini dan pastikan motosikal hanya ditunggang oleh anda dan penunggang yang dibenarkan sahaja bagi mengelak daripada sebarang masalah ketika tuntutan.<\/p>\n\n\n\n<p>Dalam pada itu, anda juga boleh mendapatkan perlindungan insurans terbaik untuk motosikal melalui Bjak. Malah lebih menarik, kini anda boleh menggunakan kaedah \u2018Beli Dulu dan Bayar Kemudian\u2019 untuk insurans motosikal anda tanpa sebarang faedah.&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\">sebut&nbsp;harga percuma<\/a>&nbsp;di Bjak dan pilih pelan terbaik hari ini!<\/p>\n\n\n\n<div class=\"wp-container-2 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_campaign=penting-ini-5-perkara-yang-tidak-dilindungi-dalam-polisi-insurans-motosikal\">Renew Insurans Terbaik<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Baca juga:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/soalan-lazim-mengenai-insurans-motosikal-di-malaysia\/\">Soalan Lazim Mengenai Insurans Motosikal di Malaysia<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-motosikal-perlindungan-single-rider-atau-all-riders\/\">Insurans Motosikal: Perlindungan \u2018Single Rider\u2019 atau \u2018All Riders\u2019?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-claim-insurans-motosikal-dicuri\/\">Cara Claim Insurans Motosikal Dicuri<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Terdapat beberapa situasi yang tidak akan dilindungi oleh pihak insurans meskipun dengan perlindungan insurans komprehensif. Ketahui lebih lanjut menerusi artikel ini<\/p>\n","protected":false},"author":4,"featured_media":9706,"comment_status":"closed","ping_status":"open","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":[641],"tags":[26,633,977],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Perkara yang Tidak Dilindungi dalam Polisi Insurans Motosikal<\/title>\n<meta name=\"description\" content=\"Secara amnya, terdapat beberapa situasi yang tidak akan dilindungi oleh pihak insurans meskipun dengan perlindungan insurans komprehensif. 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