{"id":3924,"date":"2021-01-08T18:47:02","date_gmt":"2021-01-08T10:47:02","guid":{"rendered":"http:\/\/www.getdrivemark.com\/my\/?p=3924"},"modified":"2022-09-07T15:42:03","modified_gmt":"2022-09-07T07:42:03","slug":"5-cara-claim-insurans-kereta-banjir-2021","status":"publish","type":"post","link":"https:\/\/www.getdrivemark.com\/my\/5-cara-claim-insurans-kereta-banjir-2021\/","title":{"rendered":"\ud83d\ude2d 5 Cara Claim Insurans Kereta Banjir (2023)"},"content":{"rendered":"

Kami rasa boleh dikatakan \ud83c\udf0a banjir yang melanda <\/span>6 negeri baru-baru ini<\/span><\/a> (Pahang, Terengganu, Johor, Kelantan, Perak, dan Selangor) antara kes banjir yang amat teruk pernah berlaku di Malaysia. Terus terfikir mesti ramai nak claim insurans kereta banjir lepas ni sebab ramai mangsa banjir yang bukan sahaja kereta tak dapat diselamatkan, tetapi rumah, kedai, harta barang, dan macam-macam lagi tidak dapat diselamatkan.<\/span><\/p>\n

Tetapi, berita yang paling sedih adalah mangsa-mangsa yang telah terkorban dalam kejadian banjir tersebut. \ud83d\ude22 Kami hanya boleh doakan mangsa-mangsa dan berharap keluarga mangsa dapat bertabah untuk menghadapi dugaan ini. \ud83e\udd32\u2764\ufe0f<\/span><\/p>\n

\"Car<\/a><\/p>\n

\"Car<\/a>
\ud83d\ude98 DriveMark automatically detect potential car crashes and notify emergency contact. The emergency contact will receive instant accident alert, including the location of the potential accident. DriveMark app is free on Google Play and Apple AppStore. \ud83d\udc49\ud83c\udffb Click to install DriveMark app<\/a><\/figcaption><\/figure>\n

 <\/p>\n

5 Cara Claim Insurans Kereta Banjir<\/h2>\n

*Nota: Langkah-langkah tuntutan ini dipraktikkan oleh kebanyakan syarikat insuran di Malaysia berdasarkan garis panduan Bank Negara Malaysia (BNM), Persatuan Insurans Am Malaysia (PIAM), dan Malaysian Takaful Association.*<\/span><\/p>\n

\u2705 Hubungi pihak insurans<\/strong><\/span><\/span><\/h3>\n

Anda boleh menghubungi pihak insurans anda sekiranya kereta anda rosak akibat air banjir dan memerlukan perkhidmatan trak tunda.
\n\u270b <\/span>JANGAN<\/strong><\/span> CUBA<\/strong> \u270b untuk memandu kereta anda sendiri kerana ia mungkin boleh menyebabkan kerosakan kereta yang lebih teruk.<\/span><\/p>\n

\u2705 Kumpulkan bukti<\/strong><\/span><\/span><\/h3>\n

Senarai butiran dan\/atau dokumen-dokumen yang diperlukan oleh kebanyakan syarikat insurans dalam urusan tuntutan insurans:<\/span><\/p>\n

    \n
  1. Catatan lokasi dan masa\/tarikh kereta ditenggelami banjir<\/span><\/li>\n
  2. Ambil gambar kerosakan kereta yang ditenggelami banjir<\/li>\n
  3. Salinan lesen memandu pemilik kereta<\/li>\n
  4. Salinan kad pengenalan pemilik kereta<\/li>\n
  5. Salinan geran kereta<\/span><\/li>\n
  6. Salinan polisi insuran<\/li>\n
  7. Butiran\/dokumen sokongan yang menjelaskan kerosakan kereta (sekiranya ada)<\/li>\n<\/ol>\n

    \u2705 Buat laporan polis\u00a0<\/strong><\/span><\/span><\/h3>\n

    Jika diikutkan undang-undang di bawah <\/span>Akta Pengangkutan Jalan 1987<\/span><\/a>, laporan polis perlu dibuat dalam tempoh masa 24 jam. \ud83d\udc6e
    \nJika anda mempunyai alasan yang munasabah, anda masih boleh membuat laporan polis walaupun melepasi tempoh masa 24 jam. <\/span>
    \n<\/span>
    \n<\/span>Bila keadaan mengizinkan, anda hendaklah membuat laporan polis secepat yang mungkin. Jangan lambat-lambat ya! \u261d\ufe0f<\/span><\/p>\n

    \u2705 Serahkan borang tuntutan dan dokumen sokongan kepada syarikat insurans<\/strong><\/span><\/span><\/h3>\n

    Setelah mengumpul dokumen-dokumen yang diperlukan, anda hendaklah menyerahkan borang tuntutan bersama dokumen-dokumen tersebut kepada agen insurans atau syarikat insurans anda. Mereka akan memaklumkan kepada anda tempoh masa yang diperlukan bagi memproses tuntutan anda. \u231b\u00a0<\/span><\/p>\n

    \u2705 Hantar kereta anda ke bengkel panel<\/strong><\/span><\/span><\/h3>\n

    Anda hendaklah menghantar kereta anda ke bengkel panel syarikat insurans anda. Senarai bengkel panel di kawasan anda boleh didapati daripada pihak insurans anda. \ud83e\uddd1\u200d\ud83d\udd27<\/span><\/p>\n

    \"claim<\/p>\n

    Adakah Kereta Anda Dilindungi Insurans?<\/h2>\n

    Pada kebiasaanya, setiap pemilik kenderaan akan diwajibkan untuk mempunyai insuran kenderaan atas kereta sendiri. Setiap kereta yang dimiliki selalunya akan dilindungi <\/span>Insuran Komprehensif<\/b>. Perlindungan ini merangkumi kerosakan\/kehilangan kepada kenderaan, kemalangan atas kenderaan, kematian\/kecederaan ke atas pihak lain atau kerosakan harta benda pihak lain.\u00a0<\/span><\/p>\n

    Terdapat satu perlindungan tambahan ke atas perlindungan komprehensif yang dikenali sebagai \u2018<\/span>Special Perils<\/b>\u2019. Perlindungan ini dapat membantu anda dalam pampasan atas hal kerosakan kenderaan yang disebabkan oleh kejadian banjir atau mana-mana bencana alam (seperti yang disenaraikan dalam terma & syarat atau polisi insuran).\u00a0<\/span><\/p>\n

    Cara Nak Tambah Perlindungan ‘Banjir’<\/h2>\n

    \"claim<\/p>\n

    Kalau anda tidak pasti, cuba semak semula polisi insuran kereta<\/span> anda atau bertanya kepada agen insurans<\/span> anda jika kereta anda mempunyai perlindungan terhadap banjir dan\/atau bencana alam.<\/span>
    \n<\/span><\/p>\n

    Belum ada? \ud83d\ude31<\/span><\/p>\n

    Jangan risau, ia perkara mudah untuk dilakukan. Nak buat sendiri, boleh. Kalau nak minta agen insuran anda uruskan penambahan ni pun boleh. Yang penting anda fahami bahawa penambahan perlindungan ini bermakna bayaran premium anda juga akan naik sedikit.<\/span><\/p>\n

    Banyak Ke Bayaran Tambahan Tu?<\/h2>\n

    Perlindungan bencana alam ini boleh didapati ketika pembaharuan atau pembelian polisi insurans komprehensif kereta anda. Mengikut sumber dalaman industri, anggaran tambahan premium boleh mencapai daripada kadar harga RM100 – RM280 setahun.<\/span><\/p>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
    Syarikat Insurans<\/th>Manfaat<\/th>Kadar Premium
    \n(*kadar premium x nilai semasa kereta)<\/th>\n<\/tr>\n<\/thead>\n
    Allianz Malaysia<\/td>Bencana alam<\/td>0.25%<\/td>\n<\/tr>\n
    Etiqa Takaful<\/td>Bencana alam<\/td>0.50%<\/td>\n<\/tr>\n
    Etiqa Takaful<\/td>Banjir dan ribut taufan<\/td>0.27%<\/td>\n<\/tr>\n
    Zurich Takaful<\/td>Banjir dan tanah runtuh<\/td>0.20%<\/td>\n<\/tr>\n
    AXA Affin
    \n<\/td>    		Bencana Alam<\/td>0.23%<\/td>\n<\/tr>\n
    AM General<\/td>Banjir, ribut taufan, dan tanah runtuh<\/td>0.23%<\/td>\n<\/tr>\n
    RHB Insurance (Full Cover)<\/td>Bencana Alam<\/td>0.25%<\/td>\n<\/tr>\n
    RHB Insurance (Limited Cover)<\/td>Bencana Alam<\/td>0.40%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

    Sebagai contoh, Azlan telah bercadang untuk menambah perlindungan terhadap banjir kepada polisi komprehensif keretanya. Dia telah dikenakan caj bayaran 0.3% daripada nilai semasa keretanya iaitu RM60,000. Ini bermakna Azlan akan dikenakan tambahan bayaran sebanyak RM180 kepada jumlah premium insurans setiap tahun.<\/span><\/p>\n

    \n

    \"Car<\/a><\/p>\n

    \"Accident<\/a>
    \ud83d\ude98 DriveMark automatically detect potential car crashes and notify emergency contact. The emergency contact will receive instant accident alert, including the location of the potential accident. DriveMark app is free on Google Play and Apple AppStore. \ud83d\udc49\ud83c\udffb Click to install DriveMark app\u00a0<\/a><\/figcaption><\/figure>\n

     <\/p>\n

    Kami amat mencadangkan anda melaburkan sedikit wang ke atas perlindungan tambahan ini walaupun anda berada di tempat yang tidak diancam kejadian banjir sekiranya anda mampu. Bencana alam adalah sesuatu yang tiada siapa boleh ramalkan untuk ia berlaku bila atau dimana. Ia adalah lebih wajar untuk praktikkan sikap \u2018sediakan payung sebelum hujan\u2019 dalam apa-apa situasi.\u00a0<\/span><\/p>\n

    \n

    Kami berharap tip-tips ini dapat membantu anda dalam menyelesaikan urusuan tuntutan insurans. Kami juga ingin berkongsi tips-tips bagi \ud83d\udd0e <\/span>Cara Meredah Banjir<\/span><\/a> \ud83d\udd0eyang mungkin dapat membantu anda untuk lebih bersedia dalam menghadapi musim banjir ini.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    Kami rasa boleh dikatakan \ud83c\udf0a banjir yang melanda 6 negeri baru-baru ini (Pahang, Terengganu, Johor, Kelantan, Perak, dan Selangor) antara kes banjir yang amat teruk pernah berlaku di Malaysia. Terus terfikir mesti ramai nak claim insurans kereta banjir lepas ni sebab ramai mangsa banjir yang bukan sahaja kereta tak dapat diselamatkan, tetapi rumah, kedai, harta […]<\/p>\n

    Read More…<\/a><\/p>\n","protected":false},"author":4,"featured_media":3937,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5,46,34,3,9],"tags":[],"acf":[],"yoast_head":"\n\ud83d\ude2d 5 Cara Claim Insurans Kereta Banjir (2023) - DriveMark<\/title>\n<meta name=\"description\" content=\"Pening dan penat fikir cara uruskan claim insurans kereta banjir? DriveMark dah buat checklist untuk anda. 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