{"id":2321,"date":"2021-04-13T12:54:09","date_gmt":"2021-04-13T04:54:09","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=2321"},"modified":"2021-04-14T10:14:13","modified_gmt":"2021-04-14T02:14:13","slug":"jenis-jenis-insurans-kereta-di-malaysia-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/jenis-jenis-insurans-kereta-di-malaysia-bm","title":{"rendered":"Mengapa Anda Perlu Membeli Insurans Kereta?"},"content":{"rendered":"

Di bawah Akta Pengangkutan Jalan 1987, pemandu di Malaysia mesti membeli insurans kereta \u2013 sekurang-kurangnya Insurans Pihak Ketiga. Jenis-jenis perlindungan yang lain (Pihak Ketiga, Kebakaran dan Kecurian atau Insurans Komprehensif) adalah pilihan pemandu sendiri.<\/p>\n

Mengetahui mengenai pelbagai insurans kereta yang ditawarkan dan perlindungan yang diberikan adalah perkara asas dalam melindungi kepentingan kita dalam jangka masa panjang.<\/p>\n

<\/span>Ringkasan jenis-jenis insurans kereta di Malaysia<\/span><\/h2>\n

Pada dasarnya, ada tiga jenis insurans kereta di Malaysia, bermula dari yang paling asas kepada yang memberi jaminan insurans lengkap kepada pemandu.<\/p>\n

\"Jenis<\/a>Sumber: PIAM<\/a><\/p>\n

<\/span>Insurans Pihak Ketiga<\/span><\/h2>\n

Insurans Pihak Ketiga\u00a0 memberi perlindungan kepada anda\u00a0 terhadap kecederaan atau kematian orang lain, serta kerugian atau kerosakan ke atas harta benda pihak ketiga yang disebabkan oleh kenderaan anda. Pihak ketiga yang dimaksudkan di sini adalah orang lain yang terlibat.<\/p>\n

Pada asasnya, Insurans Pihak Ketiga memberikan tahap perlindungan minimum kepada anda dalam kes kemalangan. Anda tidak dapat membuat tuntutan ke atas sebarang kerosakan pada kenderaan anda sendiri. Oleh itu, polisi jenis ini ditawarkan pada premium yang lebih rendah berbanding dengan insurans motor yang lain. Insurans Pihak Ketiga ialah tahap perlindungan minimum seseorang pemandu perlu ada untuk perbaharui cukai jalan dan memandu dengan sah di jalan raya.<\/p>\n

Insurans Pihak Ketiga adalah sesuai untuk pemandu kereta yang lama atau tidak lagi berada di bawah perjanjian pembiayaan (contohnya sewa-beli).\u00a0 Walaupun\u00a0 insurans jenis ini lebih murah, kereta lama lebih cenderung mengalami kemalangan. Ini bermakna ia mungkin akan makan belanja\u00a0 yang lebih banyak dalam jangka masa panjang.<\/p>\n

Proses mendapatkan Insurans Pihak Ketiga mungkin lebih rumit kerana kebanyakan syarikat insurans lebih gemar menguruskan Insurans Komprehensif.<\/p>\n

Bagi individu yang ingin memohon Insurans Pihak Ketiga, kemungkinan terdapatnya \u201cpremium tambahan\u201d yang perlu ditanggung oleh pemandu. Premium tambahan ke atas premium insurans untuk menunjukkan risiko yang lebih tinggi mungkin perlu dibayar oleh pemandu. Sesetengah syarikat insurans memerlukan pemandu membeli perlindungan insurans (seperti Insurans Kemalangan Peribadi) yang lain untuk mendapat polisi Pihak Ketiga ini.<\/p>\n

<\/span>Insurans Pihak Ketiga, Kebakaran dan Kecurian<\/span><\/h2>\n

Insurans Pihak Ketiga bagi Kebakaran dan Kecurian adalah lebih mahal berbanding dengan Insurans Pihak Ketiga.<\/p>\n

Pada asasnya polisi ini melindungi anda (pemandu) dari tuntutan pihak ketiga, sama ada kecederaan tubuh badan atau kematian, kerugian harta benda pihak ketiga atau kerosakan yang disebabkan oleh kenderaan anda.\u00a0 Ini adalah sama dengan Perlindungan Pihak Ketiga, tetapi mempunyai perlindungan tambahan untuk kerosakan akibat kebakaran dan kecurian kenderaan anda.<\/strong><\/p>\n

Selalunya, dalam Perlindungan Pihak Ketiga, Kebakaran dan Kecurian,\u00a0 jumlah yang diinsurankan untuk kerosakan pihak ketiga adalah tinggi (kadang-kadang tidak terhad), tetapi jumlah diinsurankan untuk kebakaran dan kecurian adalah lebih rendah.<\/p>\n

<\/span>Insurans Komprehensif<\/span><\/h2>\n

Pakej Insurans Kereta\u00a0 Komprehensif meliputi\u00a0 perlindungan yang lebih luas, terutamanya kepada pihak petama dan ketiga (pihak pertama ialah anda, iaitu pemandu, manakala pihak ketiga adalah semua orang lain).\u00a0 Dengan Insurans Komprehensif, anda akan nikmati perlindungan yang sama seperti \u00a0polisi Insurans Pihak Ketiga, Kebakaran dan Kecurian, dengan perlindungan tambahan ke atas kenderaaan anda sendiri (iaitu tidak terhad kepada kebakaran dan kecurian<\/strong>).<\/p>\n

Dalam industri insurans kereta, amalan standard dalam tuntutan kecurian kenderaan atau kerugian keseluruhan adalah untuk membayar ganti rugi kepada pemegang polisi pada nilai pasaran kenderaan semasa kerugian (atau kerosakan) berlaku atau sejumlah yang dipersetujui dalam polisi, yang mana lebih rendah.<\/p>\n

Sesetengah syarikat insurans akan bayar balik kepada pemegang polisi\u00a0 atas nilai kereta yang telah dipersetujui sebelumya dalam perjanjian dengan pemegang polisi, tidak tertakluk kepada harga pasaran atau harga jualan semula.<\/p>\n

Namun begitu harus diingat bahawa bukan semua orang\u00a0 boleh membeli Insurans Kemprehensif kerana polisi ini selalunya hanya ditawarkan kepada kenderaan yang tidak melebihi had umur tertentu.\u00a0 Pada umumnya anda dinasihatkan mendapat Insurans Komprehensif sekiranya anda memandu kereta yang agak mahal, kerana jika nilai kereta anda tinggi, lebih penting pakej polisi ini kepada pemandunya.<\/p>\n

Dalam ketiga-tiga pakej insurans tersebut, kecederaan atau kematian pemandu sendiri atau penumpang pemegang polisi tidak dilindung oleh insurans kenderaan.<\/p>\n

Liberalisasi insurans\/takaful motor yang berkuat kuasa dari 1hb Julai, 2017<\/div>
<\/p>\n

Liberalisasi insurans\/takaful motor bermaksud harga produk-produk insurans\/takaful motor tidak akan lagi ditentukan berdasarkan Tarif Motor (senarai harga yang telah ditetapkan). Harga akan ditentukan oleh setiap penanggung insurans dan pengendali takaful.<\/p>\n

Pengguna kini boleh menikmati pilihan produk insurans\/takaful motor yang lebih luas pada harga yang kompetitif memandangkan linberalisasi menggalakkan inovasi dan persaingan antara penanggung insurans dengan pengendali takaful.<\/p>\n

Penanggung insurans dan pengendali takaful boleh mengenakan premium atau sumbangan takaful yang berpadanan dengan faktor risiko yang lebih luas yang sedia ada dalam kumpulan pemegang polisi yang diinsuranskan dan juga menjual produk-produk baharu yang tidak ditetapkan di bawah tarif.
\n<\/div><\/div>\n

Sumber: PIAM<\/a><\/p>\n

Mencari insurans kereta terbaik? Layarilah laman\u00a0sesawang insurans kami<\/a>\u00a0dan pilih tawaran insuran kereta yang paling sesuai.<\/p>\n

Artikel ini diterbitkan di tahun 2012 dan telah dikemas kini dengan maklumat terbaru.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Panduan memilih insurans yang paling sesuai untuk kenderaan anda.<\/p>\n","protected":false},"author":1,"featured_media":47454,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,238,205,316],"tags":[279],"class_list":["post-2321","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-auto-insurance","category-insurans","category-takaful","tag-bm"],"acf":[],"yoast_head":"\nJenis-Jenis Insurans Kereta Di Malaysia<\/title>\n<meta name=\"description\" content=\"Ada tiga jenis insurans kereta di Malaysia, bermula dari yang paling asas kepada yang memberi jaminan insurans lengkap kepada pemandu.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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