{"id":70923,"date":"2026-09-10T11:00:37","date_gmt":"2026-09-10T03:00:37","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=70923"},"modified":"2026-09-07T13:03:53","modified_gmt":"2026-09-07T05:03:53","slug":"motorcycle-insurance-malaysia-guide","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/zh\/motorcycle-insurance-malaysia-guide","title":{"rendered":"\u5927\u9a6c\u6469\u6258\u4fdd\u9669:RM300\u5230\u5e95\u4e70\u5230\u4ec0\u4e48\u4fdd\u969c"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"%E4%B8%A4%E7%A7%8D%E4%BF%9D%E5%8D%95%E5%92%8C%E6%B1%BD%E8%BD%A6%E4%B8%8D%E4%B8%80%E6%A0%B7%E7%9A%84%E7%AE%97%E6%B3%95\"><\/span>\u4e24\u79cd\u4fdd\u5355,\u548c\u6c7d\u8f66\u4e0d\u4e00\u6837\u7684\u7b97\u6cd5<span 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class=\"ez-toc-section\" id=\"%E5%A4%B1%E7%AA%83-%E6%91%A9%E6%89%98%E6%9C%80%E5%A4%A7%E7%9A%84%E9%A3%8E%E9%99%A9\"><\/span>\u5931\u7a83:\u6469\u6258\u6700\u5927\u7684\u98ce\u9669<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u6469\u6258\u5931\u7a83\u7387\u8fdc\u9ad8\u4e8e\u6c7d\u8f66:\u8f7b\u3001\u597d\u642c\u3001\u5bb9\u6613\u62c6\u3002\u4e24\u4e2a\u7ed3\u8bba:\u53ea\u4e70\u7b2c\u4e09\u65b9\u7684\u9a91\u58eb,\u5931\u7a83\u98ce\u9669\u5b8c\u5168\u81ea\u5df1\u627f\u62c5;\u5c31\u7b97\u6709\u7efc\u5408\u4fdd\u9669,\u7406\u8d54\u6309<b>\u5e02\u4ef7<\/b>,\u65e7\u8f66\u7684\u8d54\u989d\u53ef\u80fd\u8fdc\u4f4e\u4e8e\u4f60\u6362\u8f66\u7684\u5b9e\u9645\u6210\u672c\u3002\u95ee\u4fdd\u9669\u516c\u53f8\u6295\u4fdd\u989d\u600e\u4e48\u5b9a,\u4f60\u7684\u8f66\u578b\u6709\u6ca1\u6709\u7ea6\u5b9a\u4ef7\u503c(agreed value)\u9009\u9879\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E4%BD%A0%E5%92%8C%E5%90%8E%E5%BA%A7%E4%B8%8D%E6%98%AF%E9%82%A3%E8%BE%86%E8%BD%A6\"><\/span>\u4f60\u548c\u540e\u5ea7,\u4e0d\u662f\u90a3\u8f86\u8f66<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u7efc\u5408\u4fdd\u5355\u4fdd\u7684\u662f\u673a\u5668,<b>\u4e0d\u662f\u9a91\u58eb<\/b>\u3002\u81ea\u5df1\u7684\u4eba\u8eab\u4f24\u5bb3\u9700\u8981\u9a91\u58eb\u4e2a\u4eba\u610f\u5916(PA)\u9644\u52a0,\u6216\u72ec\u7acbPA\u4fdd\u5355;\u5e38\u8f7d\u4eba\u7684\u8bdd,\u786e\u8ba4\u9644\u52a0\u662f\u5426\u6db5\u76d6\u540e\u5ea7\u3002\u8fd9\u662f\u6211\u4eec\u89c1\u8fc7\u6700\u666e\u904d\u7684\u4fdd\u969c\u7f3a\u53e3:\u8f66\u4fdd\u4e86,\u4eba\u6ca1\u4fdd\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E6%9B%BFGrab%E3%80%81Foodpanda%E3%80%81Lalamove%E8%B7%91%E5%8D%95\"><\/span>\u66ffGrab\u3001Foodpanda\u3001Lalamove\u8dd1\u5355?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u4e24\u4ef6\u4e8b\u5206\u5f00\u770b\u3002\u7b2c\u4e00,\u79c1\u4eba\u7528\u9014\u4fdd\u5355\u53ef\u80fd<b>\u4e0d\u4fdd\u5546\u4e1a\u7528\u9014<\/b>,\u9001\u9910\u9014\u4e2d\u51fa\u4e8b\u53ef\u80fd\u5bfc\u81f4\u62d2\u8d54,\u7533\u62a5\u7528\u9014\u3001\u4e70\u5bf9\u4f7f\u7528\u7c7b\u522b\u3002\u7b2c\u4e8c,\u96f6\u5de5\u9a91\u58eb\u5c5e\u4e8ePERKESO\u7684<b>\u81ea\u96c7\u793e\u4f1a\u4fdd\u969c\u8ba1\u5212(SKSPS)<\/b>,\u4f9d2017\u5e74\u81ea\u96c7\u793e\u4f1a\u4fdd\u969c\u6cd5\u4ee4(Act 789)\u5f3a\u5236\u4f9b\u6b3e,\u4fdd\u969c\u56e0\u5de5\u53d7\u4f24,\u4e0d\u4fdd\u4e0b\u73ed\u540e\u7684\u9a91\u884c\u3002\u4e24\u4e2a\u63d0\u9192:\u786e\u8ba4\u4f60\u7684SKSPS\u4f9b\u6b3e\u771f\u7684\u5728\u7f34(\u522b\u5047\u8bbe\u5e73\u53f0\u4ee3\u529e\u4e86);SKSPS\u4fdd\u7684\u662f\u5de5\u4f24,\u53d6\u4ee3\u4e0d\u4e86PA\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E7%BB%AD%E4%BF%9D%E5%89%8D%E7%9A%84%E4%BA%94%E4%B8%AA%E9%97%AE%E9%A2%98\"><\/span>\u7eed\u4fdd\u524d\u7684\u4e94\u4e2a\u95ee\u9898<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>\u5e02\u4ef7\u8fd8\u662f\u7ea6\u5b9a\u4ef7\u503c,\u6211\u7684\u8f66\u5b9e\u9645\u4fdd\u591a\u5c11?<\/li>\n<li>\u4fdd\u5355\u4fdd\u4e0d\u4fdd\u5931\u7a83,\u81ea\u8d1f\u989d\u591a\u5c11?<\/li>\n<li>\u6211(\u548c\u540e\u5ea7)\u6709\u4fdd\u969c,\u8fd8\u662f\u53ea\u6709\u8f66?<\/li>\n<li>\u4f7f\u7528\u7c7b\u522b\u5bf9\u4e0d\u5bf9,\u7279\u522b\u662f\u6709\u8dd1\u5355\u7684\u8bdd?<\/li>\n<li>\u6211\u4ed8\u94b1\u7684\u9644\u52a0\u91cc,\u54ea\u4e9b\u4ece\u6765\u6ca1\u7528\u8fc7?<\/li>\n<\/ol>\n<p><i>\u4fdd\u8d39\u6309\u5f00\u653e\u8d39\u7387\u56e0\u8f66\u578b\u3001\u5e74\u9f84\u3001\u5730\u533a\u3001\u9a91\u58eb\u80cc\u666f\u800c\u5f02,\u6ca1\u6709\u7edf\u4e00\u4ef7\u76ee\u8868;\u6587\u4e2d\u4e0d\u5217\u6570\u5b57,\u7528\u4e0b\u9762\u7684\u6bd4\u8f83\u5de5\u5177\u62ff\u4f60\u7684\u771f\u5b9e\u62a5\u4ef7\u3002<\/i><\/p>\n<div class=\"block block--success\"><div class=\"block__title\">\u806a\u660e\u4e00\u6b65<\/div><div>\u522b\u81ea\u52a8\u7eed\u4fdd\u3002\u62ff\u4e09\u4e2a\u62a5\u4ef7,\u770b\u4ef7\u683c<i>\u5305\u542b<\/i>\u4ec0\u4e48\u3002\u7701RM50\u4f46\u780d\u6389\u5931\u7a83\u4fdd\u969c\u6216PA\u9644\u52a0,\u4e0d\u662f\u7701\u94b1,\u662f\u628a\u98ce\u9669\u8f6c\u5230\u4f60\u8eab\u4e0a\u3002<br \/>\n<\/div><\/div>\n<p><div class=\"block block--success\"><div class=\"block__title\">\u7eed\u4fdd\u5feb\u5230\u4e86?<\/div><div><a class=\"btn btn-primary\" href=\"https:\/\/www.imoney.my\/car-insurance?src=articles-zh\" target=\"_blank\" rel=\"noopener\">\u5e76\u6392\u6bd4\u8f83\u6469\u6258\u4fdd\u9669\u62a5\u4ef7<\/a><br \/>\n<\/div><\/div><br \/>\n<small>\u4f9d\u636e:\u9646\u8def\u4ea4\u901a\u6cd5\u4ee4\u7b2c\u4e09\u65b9\u4fdd\u9669\u8981\u6c42;\u56fd\u884c\u5f00\u653e\u8d39\u7387\u6846\u67b6;PERKESO SKSPS(Act 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