{"id":3898,"date":"2024-10-29T11:21:14","date_gmt":"2024-10-29T03:21:14","guid":{"rendered":"https:\/\/jomlevelup.my\/?p=3898"},"modified":"2024-11-21T14:32:18","modified_gmt":"2024-11-21T06:32:18","slug":"8-factors-that-influence-the-cost-of-motor-insurance-premium-takaful-contribution","status":"publish","type":"post","link":"https:\/\/jomlevelup.my\/bm\/8-factors-that-influence-the-cost-of-motor-insurance-premium-takaful-contribution\/","title":{"rendered":"8 faktor-faktor yang mempengaruhi kos sumbangan takaful\/premium insurans"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3898\" class=\"elementor elementor-3898\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-326509c6 elementor-section-full_width elementor-section-height-min-height elementor-section-stretched elementor-section-height-default elementor-section-items-middle\" data-id=\"326509c6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-30376b3e\" data-id=\"30376b3e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-76a9d760 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"76a9d760\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5704a95d\" data-id=\"5704a95d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-732a70df bgTitle mobileBreakWord elementor-widget elementor-widget-heading\" data-id=\"732a70df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default translation-block\">8 faktor-faktor yang mempengaruhi<br> kos sumbangan takaful\/premium insurans<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-35a57a15 elementor-section-full_width elementor-section-stretched elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"35a57a15\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-147490b9\" data-id=\"147490b9\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-67af359d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67af359d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-76232df1\" data-id=\"76232df1\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37124363 elementor-widget elementor-widget-image\" data-id=\"37124363\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"622\" height=\"622\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-2_Otto-1.png\" class=\"attachment-full size-full wp-image-3924\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-2_Otto-1.png 622w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-2_Otto-1-500x500.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-2_Otto-1-300x300.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-2_Otto-1-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-2_Otto-1-150x150.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-2_Otto-1-75x75.png 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-2_Otto-1-480x480.png 480w\" sizes=\"(max-width:767px) 480px, 622px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-779165a8\" data-id=\"779165a8\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-59d14f89 elementor-widget elementor-widget-text-editor\" data-id=\"59d14f89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Untuk kebanyakan rakyat Malaysia, pemilikan kenderaan bukan sahaja untuk keperluan untuk perjalanan harian dan pada hujung minggu bersama yang tersayang. Tetapi kemudahan ini datang bersama dengan tanggungjawab, termasuk perlindungan takaful atau insurans motor yang sepatutnya.<\/p><p>Adakah anda pernah tertanya-tanya kenapa sumbangan takaful atau premium insurans kereta berbeza di antara para pemandu? Baca lebih lanjut untuk memahami faktor-faktor utama yang digunakan untuk mengenal pasti pelbagai risiko dan potensi kos untuk melindungi kenderaan anda. Memahami faktor-faktor ini akan memudahkan anda untuk membuat keputusan dalam memilih perlindungan yang sesuai.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2bd3ddf elementor-section-full_width elementor-section-stretched elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"2bd3ddf\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2e8e9ae\" data-id=\"2e8e9ae\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fb4dac0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fb4dac0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-9e9bd6f\" data-id=\"9e9bd6f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe2cbb3 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"fe2cbb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Faktor-faktor yang mempengaruhi sumbangan\/premium anda<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1908e4e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1908e4e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d9b8c8e\" data-id=\"d9b8c8e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4608d10 elementor-widget elementor-widget-image\" data-id=\"4608d10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1596\" height=\"578\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Factors-influencing-your-premiumcontribution.jpg\" class=\"attachment-full size-full wp-image-3942\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Factors-influencing-your-premiumcontribution.jpg 1596w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Factors-influencing-your-premiumcontribution-500x181.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Factors-influencing-your-premiumcontribution-1200x435.jpg 1200w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Factors-influencing-your-premiumcontribution-300x109.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Factors-influencing-your-premiumcontribution-768x278.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Factors-influencing-your-premiumcontribution-1536x556.jpg 1536w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Factors-influencing-your-premiumcontribution-18x7.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Factors-influencing-your-premiumcontribution-150x54.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Factors-influencing-your-premiumcontribution-480x174.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1596px) 100vw, 1596px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7b706af elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b706af\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-def2171\" data-id=\"def2171\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5315382 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"5315382\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-31ede6f\" data-id=\"31ede6f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db37431 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"db37431\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Kenderaan anda<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ee8fdd elementor-widget elementor-widget-text-editor\" data-id=\"4ee8fdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Jenis kenderaan anda memainkan peranan dalam menentukan sumbangan takaful atau premium insurans motor anda. Contohnya, kenderaan komersial yang digunakan untuk menghantar barang atau membawa manusia, memerlukan sijil takaful atau polisi insurans motor yang komersial kerana profil risiko yang lebih tinggi.<\/p><p>Kenderaan-kenderaan ini selalunya mempunyai enjin yang lebih besar, dan jarak yang lebih tinggi menjadikannya lebih berisiko terlibat dalam kemalangan, kerosakan dan lain-lain di atas jalan raya berbanding kenderaan peribadi. Sebab itulah sumbangan takaful atau premium insurans komersial cenderung menjadi lebih tinggi. Faktor lain termasuk kecenderungan untuk kecurian, kos pembaikan, enjin kenderaan dan rekod keselamatan kereta secara keseluruhan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-68fc0a2 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"68fc0a2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5539f0e rotateGbG\" data-id=\"5539f0e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a441ef3 standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"a441ef3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tahukah anda?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fdc55b elementor-widget elementor-widget-text-editor\" data-id=\"2fdc55b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Anda disyorkan untuk mengekalkan kereta anda dalam keadaan yang efisien dan selamat di jalan raya. Anda mesti mendapatkan keizininan pengendali takaful\/syarikat insurans anda jika anda membuat sebarang pengubahsuaian yang akan mempertingkat atau menpengaruhi prestasi kereta anda. Jika anda tidak berkongsi maklumat, anda mungkin tidak mendapat bayaran daripada tuntutan anda.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e4e79ed\" data-id=\"e4e79ed\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b7b7fa elementor-widget elementor-widget-image\" data-id=\"1b7b7fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/elementor\/thumbs\/Article-2_Otto-2-qsyvaf5k8qegdj0ad5zgrt65et24k7yp567y96mp14.png\" title=\"Article 2_Otto 2\" alt=\"Article 2_Otto 2\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a3473f8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a3473f8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1306cb9\" data-id=\"1306cb9\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9673ac4 elementor-widget elementor-widget-image\" data-id=\"9673ac4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1585\" height=\"576\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/yv.jpg\" class=\"attachment-full size-full wp-image-3960\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/yv.jpg 1585w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/yv-500x182.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/yv-1200x436.jpg 1200w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/yv-300x109.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/yv-768x279.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/yv-1536x558.jpg 1536w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/yv-18x7.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/yv-150x55.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/yv-480x174.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1585px) 100vw, 1585px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9ea3683 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9ea3683\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-81193ec\" data-id=\"81193ec\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f23e41d standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"f23e41d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-20556aa\" data-id=\"20556aa\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37a10bc standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"37a10bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pengalaman dan umur pemandu<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e5d08d elementor-widget elementor-widget-text-editor\" data-id=\"7e5d08d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pengendali takaful dan syarikat insurans akan mengambil kira umur dan tempoh pengalaman memandu anda apabila membuat pengiraan untuk sumbangan\/premium. Pemandu yang berusia 25 tahun ke bawah mungkin berdepan kadar lebih tinggi kerana risiko yang lebih tinggi sebagai pemandu baru atau kurang berpengalaman di jalan raya.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3801391 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3801391\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6ee0516 rotateGbG\" data-id=\"6ee0516\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-000e76a standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"000e76a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tahukah anda?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52c4ae7 elementor-widget elementor-widget-text-editor\" data-id=\"52c4ae7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Takaful dan insurans bukan saja memberi liputan untuk kerosakan terhadap kenderaan anda. Dengan perlindungan yang sesuai, ia juga mampu melindungi pengguna jalan raya yang lain daripada kemalangan yang berpunca daripada anda.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-546d460\" data-id=\"546d460\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d42b87a elementor-widget elementor-widget-image\" data-id=\"d42b87a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/elementor\/thumbs\/Article-2_Otto-1-1-qsyvag3efkfqp4yx7oe3caxm06xhrx2fhavfqglad4.png\" title=\"Article 2_Otto 1\" alt=\"Article 2_Otto 1\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d274a14 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d274a14\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2e05b4f\" data-id=\"2e05b4f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f599acd elementor-widget elementor-widget-image\" data-id=\"f599acd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"917\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/2-banner.jpg\" class=\"attachment-full size-full wp-image-3974\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/2-banner.jpg 1920w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/2-banner-500x239.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/2-banner-1200x573.jpg 1200w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/2-banner-300x143.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/2-banner-768x367.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/2-banner-1536x734.jpg 1536w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/2-banner-18x9.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/2-banner-150x72.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/2-banner-480x229.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-60d77654 elementor-section-full_width elementor-section-stretched elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"60d77654\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3d3e9366\" data-id=\"3d3e9366\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7715537 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7715537\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a89d628\" data-id=\"a89d628\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70d1635 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"70d1635\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e28f607\" data-id=\"e28f607\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-759e59c standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"759e59c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Nilai pasaran kereta<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d58f6c8 elementor-widget elementor-widget-text-editor\" data-id=\"d58f6c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lazimnya, kereta-kereta dengan nilai pasaran yang lebih tinggi akan mempunyai amaun diinsuranskan yang lebih tinggi, justeru itu, sumbangan atau premium akan menjadi lebih tinggi. Sebagai contoh, sebuah kereta jenis Mercedes Benz A-class sedan dengan nilai pasaran berjumlah RM241,888 akan mempunyai sumbangan takaful atau premium insurans yang lebih tinggi berbanding sebuah kereta jenis Honda Jazz 1.5L E dengan nilai pasaran sebanyak RM78,161.<\/p>\n<p>Dalam tempoh pembaharuan takaful atau insurans kereta anda, anda boleh memilih untuk memberi perlindungan takaful\/insurans untuk kereta anda berdasarkan nilai pasaran ketika itu. Manfaatnya adalah anda berkemungkinan akan membayar kadar tahunan yang lebih murah. Walaubagaimanapun, jika anda mengfailkan kerugian menyeluruh atau tuntutan kecurian, anda mungkin akan mendapat pembayaran balik yang kurang daripada amaun diinsuranskan, kerana nilai kereta anda telah susut apabila tuntutan telah dibuat.<\/p><p>Di bawah persetujuan nilai dipersetujui, amaun diinsuranskan yang ditawarkan dikira lebih awal berdasarkan model kereta anda, tahun, dan pelbagai lagi faktor lain ketika pembelian. Jika anda mengfailkan kerugian menyeluruh atau tuntutan kecurian, pengendali takaful\/syarikat insurans boleh memberi pampasan penuh kepada anda berdasarkan amaun diinsuranskan dipilih anda, tak kira nilai pasaran semasa.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-73dc6e9 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73dc6e9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5340861 rotateGbG\" data-id=\"5340861\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a244250 standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"a244250\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tahukah anda?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd95fc9 elementor-widget elementor-widget-text-editor\" data-id=\"bd95fc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Anda boleh mempunyai sijil\/polisi Nilai Dipersetujui, di mana kereta anda diinsuranskan berdasarkan jumlah yang pengendali takaful\/syarikat insurans dan anda telah sama-sama bersetuju. Di bawah persetujuan Nilai Dipersetujui, jumlah amaun diinsuranskan ditawarkan kepada anda dihitung lebih awal berdasarkan model kereta anda, tahun, dan pelbagai lagi faktor lain ketika pembelian.<\/p><p>Jika anda mengfailkan kerugian menyeluruh atau tuntutan kecurian, pengendali takaful atau syarikat insurans akan memberi pampasan penuh kepada anda berdasarkan amaun diinsuranskan dipilih anda, tak kira nilai pasaran semasa\/susut nilai.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e161c5f\" data-id=\"e161c5f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11bb529 elementor-widget elementor-widget-image\" data-id=\"11bb529\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"429\" height=\"496\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/dyk3.png\" class=\"attachment-full size-full wp-image-3981\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/dyk3.png 429w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/dyk3-259x300.png 259w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/dyk3-10x12.png 10w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/dyk3-65x75.png 65w\" sizes=\"(max-width:767px) 429px, 429px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-de84b7b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"de84b7b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c5e7d00\" data-id=\"c5e7d00\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-576ec89 elementor-widget elementor-widget-image\" data-id=\"576ec89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"779\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/4-banner.jpg\" class=\"attachment-full size-full wp-image-3991\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/4-banner.jpg 1920w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/4-banner-500x203.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/4-banner-1200x487.jpg 1200w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/4-banner-300x122.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/4-banner-768x312.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/4-banner-1536x623.jpg 1536w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/4-banner-18x7.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/4-banner-150x61.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/4-banner-480x195.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f4d9a7 elementor-section-full_width elementor-section-stretched elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"5f4d9a7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c2856f5\" data-id=\"c2856f5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9fefe00 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9fefe00\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ed9b016\" data-id=\"ed9b016\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d4cda3 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"6d4cda3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2a47e95\" data-id=\"2a47e95\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-392da4f standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"392da4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">No-Claim Discount\/Diskaun Tanpa Tuntutan (NCD): Kekal dan kukuhkan untuk lebih penjimatan<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2425f26 elementor-widget elementor-widget-text-editor\" data-id=\"2425f26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mengekalkan rekod pemanduan yang bersih dan mengelakkan tuntutan takaful atau insurans motor dapat memberi manfaat ketara pada dompet anda. NCD selalunya dilihat sebagai skim \u2018ganjaran\u2019 untuk para pemandu yang tidak membuat apa-apa tuntutan takaful atau insurans tahunan.<\/p><p>Seorang pemandu akan kehilangan NCDnya jika pihak lain mengfailkan tuntutan terhadapnya, atau individu yang diinsuranskan membuat tuntutan terhadap pembaikan untuk kerosakan kenderaannya sendiri. Walau bagaimanapun, jika pemandu kereta itu tidak bersalah dan membuat tuntutan daripada pihak lain, kelayakan NCD tidak akan terjejas.<\/p><p>Diskaun ini boleh mengurangkan sumbangan\/premium anda sehingga 55%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b3b7a08 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b3b7a08\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8725832\" data-id=\"8725832\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56e0992 elementor-widget__width-initial elementor-widget-mobile__width-initial mobileMinHeight80 elementor-widget elementor-widget-text-editor\" data-id=\"56e0992\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>Nombor Bebas Tuntutan Ikut Tahun<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27a70d4 elementor-widget__width-initial elementor-widget-mobile__width-initial mobileMinHeight80 elementor-widget elementor-widget-text-editor\" data-id=\"27a70d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>Kereta Persendirian\n<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d5f9de elementor-widget__width-initial elementor-widget-mobile__width-initial mobileMinHeight80 elementor-widget elementor-widget-text-editor\" data-id=\"8d5f9de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>Motosikal<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3b954d elementor-widget__width-initial elementor-widget-mobile__width-initial mobileMinHeight80 elementor-widget elementor-widget-text-editor\" data-id=\"c3b954d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>Kenderaan Komersial\n<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cdd141 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6cdd141\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 1 tahun <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42dddcb elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"42dddcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 0% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ab30cf elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7ab30cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 0% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cc5915 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3cc5915\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 0% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1236c4d elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1236c4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 2 tahun <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91a1cc1 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"91a1cc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 25% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e229e5d elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e229e5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 15% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a04debf elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a04debf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 15% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb72c76 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"eb72c76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 3 tahun <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e4455e elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0e4455e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 30% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e676e8d elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e676e8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 20% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5be5deb elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5be5deb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 20% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e801782 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e801782\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 4 tahun <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f9d261 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5f9d261\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 38.33% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b837ef elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7b837ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 25% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc1dfe8 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"cc1dfe8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 25% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14c5d01 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"14c5d01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 5 tahun <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-700f107 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"700f107\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 45% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da32ed6 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"da32ed6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 25% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c7faf7 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7c7faf7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 25% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc2b42c elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"fc2b42c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 6 tahun ke atas <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-216e590 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"216e590\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 55% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0d73be elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b0d73be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 25% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7a0f45 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e7a0f45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong> 25% <\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f657bcc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f657bcc\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3488490\" data-id=\"3488490\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5067832 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"5067832\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1ec9f8f\" data-id=\"1ec9f8f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2c8314c standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"2c8314c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pilih takaful\/insurans motor yang sesuai dengan anda<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44ec98e elementor-widget elementor-widget-text-editor\" data-id=\"44ec98e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Secara amnya, ada tiga jenis takaful\/insurans motor di Malaysia. Dibawah ini merupakan ringakasan bagi setiap jenis takaful\/insurans motor anda:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7b86ec8 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"7b86ec8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-19e38b0\" data-id=\"19e38b0\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51a45c6 elementor-widget elementor-widget-image\" data-id=\"51a45c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/elementor\/thumbs\/ico01-qstntcbe7dvfxcsa35uzhyzhzivvq244npumelnhno.png\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a90966 standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"7a90966\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Perlindungan Pihak Ketiga<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a098c31 elementor-widget elementor-widget-text-editor\" data-id=\"a098c31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>Kematian atau kecederaan tubuh badan pihak ketiga<\/li>\n \t<li>Kerugian atau kerosakan harta pihak ketiga<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-cff84e2\" data-id=\"cff84e2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4369f65 elementor-widget elementor-widget-image\" data-id=\"4369f65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/elementor\/thumbs\/ico02-qstnte72l1y0kkpjs6o8myif6amm5gblbz5ld5kpb8.png\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf0a708 standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"cf0a708\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Third Party, Fire &amp; Theft Cover<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f897bc elementor-widget elementor-widget-text-editor\" data-id=\"6f897bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Kematian atau kecederaan tubuh badan pihak ketiga<\/li><li>Kerugian atau kerosakan harta pihak ketiga<\/li><li>Kerugian atau kerosakan ke atas kenderaan sendiri akibat kebakaran yang tidak disengajakan atau kecurian<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1f06c77\" data-id=\"1f06c77\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df1bc55 elementor-widget elementor-widget-image\" data-id=\"df1bc55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/elementor\/thumbs\/ico03-qstnth0l5k1vjelgbpw4cfssyg8psjmscd41szgisk.png\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52e4c12 standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"52e4c12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Perlindungan Takaful\/Insurans Motor Komprehensif<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a29f1c5 elementor-widget elementor-widget-text-editor\" data-id=\"a29f1c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Perlindungan paling luas<\/li><li class=\"translation-block\">Kematian dan kecederaan tubuh badan pihak ketiga<\/li><li class=\"translation-block\">Kerugian atau kerosakan harta pihak ketiga<\/li><li class=\"translation-block\">Kerugian atau kerosakan ke atas kenderaan sendiri akibat kebakaran yang tidak disengajakan, kecurian atau kemalangan.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6db75e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6db75e2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ad92f15\" data-id=\"ad92f15\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44579b0 elementor-widget elementor-widget-text-editor\" data-id=\"44579b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Apabila menilai takaful atau insurans motor, cuba seimbangkan antara perlindungan yang diperlukan dan bajet anda. Jika anda memilih perlindungan komprehensif, premium\/sumbangan anda menjadi lebih tinggi tetapi anda akan mendapat lebih perlindungan.<\/p><p>Anda juga boleh meneliti perlindungan tambahan seperti peril khas yang memberikan perlindungan untuk kerosakan atau kerugian akibat bencana alam atau peril lain yang tidak dilindungi oleh sijil takaful atau polisi insurans motor yang standard, seperti banjir, tanah runtuh, gempa bumi, dan bencana alam semula jadi yang lain.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f8bb23c elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f8bb23c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4f7ea32 rotateGbG\" data-id=\"4f7ea32\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a022f3 standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"2a022f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tahukah anda?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba2479b elementor-widget elementor-widget-text-editor\" data-id=\"ba2479b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Anda digalakkan untuk membandingkan sebut harga daripada pengendali takaful atau syarikat insurans yang berbeza untuk mendapat tawaran terbaik dan perlindungan optimum pada harga yang kompetitif.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d888cc9\" data-id=\"d888cc9\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e21a9b0 elementor-widget elementor-widget-image\" data-id=\"e21a9b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"362\" height=\"312\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/dyk4.png\" class=\"attachment-full size-full wp-image-3998\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/dyk4.png 362w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/dyk4-300x259.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/dyk4-14x12.png 14w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/dyk4-87x75.png 87w\" sizes=\"(max-width:767px) 362px, 362px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b807cb3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b807cb3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4035b2e\" data-id=\"4035b2e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fa7f1a elementor-widget elementor-widget-image\" data-id=\"2fa7f1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"778\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/banner-6.jpg\" class=\"attachment-full size-full wp-image-4017\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/banner-6.jpg 1920w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/banner-6-500x203.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/banner-6-1200x486.jpg 1200w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/banner-6-300x122.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/banner-6-768x311.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/banner-6-1536x622.jpg 1536w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/banner-6-18x7.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/banner-6-150x61.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/banner-6-480x195.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-92cbe7c elementor-section-full_width elementor-section-stretched elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"92cbe7c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9018093\" data-id=\"9018093\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3865b27 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3865b27\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7def53a\" data-id=\"7def53a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f9a6897 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"f9a6897\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1883cd3\" data-id=\"1883cd3\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30f027a standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"30f027a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Lokasi, lokasi, lokasi: Taksiran geografi<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b945d72 elementor-widget elementor-widget-text-editor\" data-id=\"b945d72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tempat tinggal anda mempengaruhi sumbangan takaful\/premium insurans anda. Jika anda tinggal di kawasan bandar yang mempunyai jumlah trafik, kadar jenayah dan kecurian yang lebih tinggi, ia boleh mengakibatkan sumbangan takaful\/premium menjadi lebih tinggi berbanding kawasan luar bandar dengan populasi yang lebih rendah.<\/p><p>Pengendali takaful dan syarikat insurans mengambil kira kemungkinan berlakunya kemalangan dan kecurian kenderaan apabila membuat taksiran untuk sumbangan takaful\/premium insurans, menyesuaikan kadar dengan profil risiko setiap kawasan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b56a250 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b56a250\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1162e72\" data-id=\"1162e72\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20fd370 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"20fd370\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">7<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bfa1af1\" data-id=\"bfa1af1\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4baf87a standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"4baf87a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Jenis dan kapasiti enjin. Motor lebih kuasa, lebih tinggi kosnya<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-365cbd8 elementor-widget elementor-widget-text-editor\" data-id=\"365cbd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"translation-block\">Pengendali takaful dan syarikat insurans juga akan melihat pada jenis enjin dan kapasitinya. Contohnya, jika enjin anda menggunakan minyak diesel, berkemungkinan jumlah sumbangan takaful\/insurans adalah lebih berbanding kenderaan yang menggunakan petrol. Kapasiti enjin merujuk kepada jumlah kuasa yang dihasilkan oleh enjin keseluruhan kenderaan. CC kenderaan anda adalah selaras dengan jumlah sumbangan takaful\/insurans. Jadi, kenderaan dengan CC yang lebih tinggi mungkin akan mempunyai sumbangan takaful\/premium insurans yang lebih tinggi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-21de9fa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"21de9fa\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f497806\" data-id=\"f497806\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1bcd799 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"1bcd799\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">8<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-66c9bb1\" data-id=\"66c9bb1\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd55378 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"bd55378\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Rekod pemanduan anda<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2287a5f elementor-widget elementor-widget-text-editor\" data-id=\"2287a5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Bayangkan: anda seorang pemandu yang berhemah, prihatin dan sentiasa patuh pada setiap peraturan trafik. Ganjaran anda? Anda akan mendapat sumbangan takaful\/insurans premium yang lebih rendah. Pengendali takaful\/syarikat insurans mengambil kira kesalahan trafik, kemalangan, penggantungan lesen, dan pengalaman memandu ketika membuat penilaian.<\/p><p>Para pemandu yang mempunyai sejarah kemalangan yang tinggi dan kesalahan trafik selalunya akan dikenakan sumbangan takaful\/insurans premium yang lebih tinggi disebabkan kebarangkalian kemalangan yang lebih tinggi.<\/p><p>Untuk memperbaiki rekod pemanduan anda, patuhi peraturan trafik, hadir kursus \u2018defensive driving\u2019, pasang ciri-ciri keselamatan dan kekalkan amalan keselamatan di jalan raya.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4fd5b1f elementor-section-full_width elementor-section-stretched elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"4fd5b1f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5d4f2ce\" data-id=\"5d4f2ce\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0d9211f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d9211f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1eb7524 gradientBorder\" data-id=\"1eb7524\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5359c1d standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"5359c1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mengawal sumbangan\/premium anda!<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73c53d5 elementor-widget elementor-widget-text-editor\" data-id=\"73c53d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Walaupun sumbangan takaful\/premium insurans boleh menjadi mahal, sama seperti pembelian lain, anda masih boleh mendapatkan sumbangan takaful\/premium insurans yang lebih rendah dengan perlindungan yang mencukupi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1bbb75 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"f1bbb75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"110\" height=\"120\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/saacq.png\" class=\"attachment-full size-full wp-image-4072\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/saacq.png 110w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/saacq-11x12.png 11w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/saacq-69x75.png 69w\" sizes=\"(max-width:767px) 110px, 110px\" \/><\/figure><div class=\"elementor-image-box-content\"><h5 class=\"elementor-image-box-title\">Sentiasa lihat dan banding sebut harga<\/h5><p class=\"elementor-image-box-description\">Dapatkan sebut harga daripada beberapa pengendali takaful atau syarikat insurans untuk mendapatkan kadar terbaik untuk keperluan anda<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d6701d elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"6d6701d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"110\" height=\"120\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/afd.png\" class=\"attachment-full size-full wp-image-4073\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/afd.png 110w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/afd-11x12.png 11w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/afd-69x75.png 69w\" sizes=\"(max-width:767px) 110px, 110px\" \/><\/figure><div class=\"elementor-image-box-content\"><h5 class=\"elementor-image-box-title\">Minta diskaun<\/h5><p class=\"elementor-image-box-description\">Banyak pengendali takaful atau syarikat insurans akan menawarkan diskaun-diskaun seperti jarak kilometer yang rendah, tabiat pemanduan yang selamat dan menggabungkan insurans\/takaful kereta anda dengan polisi\/sijil lain seperti insurans rumah.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5850f4f elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"5850f4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"110\" height=\"120\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/iyd.png\" class=\"attachment-full size-full wp-image-4074\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/iyd.png 110w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/iyd-11x12.png 11w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/iyd-69x75.png 69w\" sizes=\"(max-width:767px) 110px, 110px\" \/><\/figure><div class=\"elementor-image-box-content\"><h5 class=\"elementor-image-box-title\">Tambahkan deduktibel anda<\/h5><p class=\"elementor-image-box-description\">Deduktibel adalah jumlah yang anda perlu bayar sendiri sebelum perlindungan insurans berkuat kuasa. Menambah deduktibel anda boleh mengurangkan premium\/sumbangan, tapi pastikan anda berkemampuan untuk membayar jumlah deduktibel sekiranya berlaku kemalangan.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22dedf3 elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"22dedf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"110\" height=\"120\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/macdr.png\" class=\"attachment-full size-full wp-image-4075\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/macdr.png 110w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/macdr-11x12.png 11w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/macdr-69x75.png 69w\" sizes=\"(max-width:767px) 110px, 110px\" \/><\/figure><div class=\"elementor-image-box-content\"><h5 class=\"elementor-image-box-title\">Kekalkan rekod pemanduan yang bersih<\/h5><p class=\"elementor-image-box-description\">Elakkan melakukan kesalahan trafik dan kemalangan supaya rekod pemanduan kekal bersih dan layak untuk NCD.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8b5ddc5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8b5ddc5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e6e7e5b\" data-id=\"e6e7e5b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8fa3bd5 elementor-widget elementor-widget-text-editor\" data-id=\"8fa3bd5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dengan memahami faktor-faktor selain daripada mengambil langkah yang sesuai, anda boleh membuat keputusan yang bijak berkenaan perlindungan takaful dan insurans kereta anda, sekaligus mungkin menjimatkan wang dan juga mendapat perlindungan secukupnya.<\/p><p>Hubungi wakil takaful\/insurans atau bercakap secara langsung dengan pengendali takaful\/syarikat insurans anda mengenai pilihan-pilihan anda hari ini.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3631d3c elementor-widget elementor-widget-image\" data-id=\"3631d3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/forms.gle\/auf7Abp7pm1GtYxa9\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1949\" height=\"605\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/10\/02-BM_In-article-footer-banner.jpg\" class=\"attachment-full size-full wp-image-5858\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/10\/02-BM_In-article-footer-banner.jpg 1949w, 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\/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0f29741 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0f29741\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-29e665d\" data-id=\"29e665d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c3be19b elementor-widget elementor-widget-image\" data-id=\"c3be19b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"584\" height=\"245\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu.png\" class=\"attachment-full size-full wp-image-1423\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu.png 584w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu-500x210.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu-300x126.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu-150x63.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu-480x201.png 480w\" sizes=\"(max-width:767px) 480px, 584px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2c2dc79\" data-id=\"2c2dc79\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a655fb elementor-widget elementor-widget-text-editor\" data-id=\"4a655fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tArtikel ini adalah sebahagian daripada kempen \u2018Jom, Level Up\u2019 di bawah Liberalisasi Secara Berperingkat 2.0, Program Pendidikan Pengguna (CEP), oleh <span style=\"color: #336842;\"><a style=\"color: #336842;\" href=\"https:\/\/piam.org.my\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Persatuan Insurans Am Malaysia (PIAM)<\/span><\/a> <\/span>dan <span style=\"color: #336842;\"><a style=\"color: #336842;\" href=\"https:\/\/takaful4all.org\/ms\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Malaysian Takaful Association (MTA)<\/span><\/a>.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5d7a691 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d7a691\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a8faf08\" data-id=\"a8faf08\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3330cd8 elementor-widget elementor-widget-text-editor\" data-id=\"3330cd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Penafian: Maklumat-maklumat yang diberikan adalah untuk pengetahuan umum sahaja. PIAM dan MTA tidak membuat sebarang perwakilan atau jaminan berkenaan maklumat-maklumat ini, termasuk dan tidak terhad pada apa-apa perwakilan atau jaminan berkenaan dengan kesesuaian bagi tujuan tertentu bagi maklumat tersebut sejauh mana yang dibenarkan dari sisi undang-undang-undang. Meskipun usaha-usaha sudah dilaksanakan untuk memastikan maklumat yang diletakkan dalam artikel ini adalah tepat, boleh dipercayai dan lengkap ketika tempoh penulisan, maklumat yang diberikan dalam artikel ini tidak sepatutnya diberi kebergantungan untuk membuat sebarang keputusan berkaitan kewangan, pelaburan, hartanah atau undang-undang. Tambahan lagi, maklumat ini tidak sepatutnya menggantikan nasihat daripada individu professional terlatih yang boleh mempertimbangkan fakta dan situasi peribadi anda, dan kami tidak menanggung sebarang liabiliti jika anda menggunakan maklumat ini untuk membuat sebarang keputusan.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-49ae7a3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49ae7a3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2c428301\" data-id=\"2c428301\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f1bf2b1 elementor-align-center eng elementor-widget elementor-widget-button\" data-id=\"3f1bf2b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/Article-2.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Muat turun dan kongsikan artikel, sekarang!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1da33b2c elementor-align-center bm elementor-widget elementor-widget-button\" data-id=\"1da33b2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/Article-2-BM.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Muat turun dan kongsikan artikel, sekarang!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Pernah terfikir kenapa sumbangan takaful atau premium insurans berbeza antara para pemandu?<\/p>","protected":false},"author":1,"featured_media":5901,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3898","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-topics"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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