{"id":7022,"date":"2025-06-11T15:02:06","date_gmt":"2025-06-11T07:02:06","guid":{"rendered":"https:\/\/jomlevelup.my\/?p=7022"},"modified":"2025-06-11T15:54:10","modified_gmt":"2025-06-11T07:54:10","slug":"insurance-takaful-for-ber-vehicles-a-step-by-step-guide-for-secondhand-car-owners-in-malaysia","status":"publish","type":"post","link":"https:\/\/jomlevelup.my\/bm\/insurance-takaful-for-ber-vehicles-a-step-by-step-guide-for-secondhand-car-owners-in-malaysia\/","title":{"rendered":"Bolehkah Kereta BER Diinsuranskan? Boleh \u2014 Ini Caranya."},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"7022\" class=\"elementor elementor-7022\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-59ce189 elementor-section-full_width elementor-section-height-min-height elementor-section-stretched elementor-section-height-default elementor-section-items-middle\" data-id=\"59ce189\" 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-ebfb3e3\" data-id=\"ebfb3e3\" 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-5b934fd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b934fd\" 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-15b3bb4\" data-id=\"15b3bb4\" 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-ee5c254 elementor-widget elementor-widget-image\" data-id=\"ee5c254\" 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=\"1042\" height=\"255\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/MASTHEAD7.png\" class=\"attachment-large size-large wp-image-6987\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/MASTHEAD7.png 1042w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/MASTHEAD7-500x122.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/MASTHEAD7-300x73.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/MASTHEAD7-768x188.png 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/MASTHEAD7-18x4.png 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/MASTHEAD7-150x37.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/MASTHEAD7-480x117.png 480w\" sizes=\"(max-width:767px) 480px, (max-width:1042px) 100vw, 1042px\" \/>\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-8b3ff2e bgTitle mobileBreakWord elementor-widget elementor-widget-heading\" data-id=\"8b3ff2e\" 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\">Takaful &amp; Insurans untuk Kenderaan BER<br>\nPanduan untuk Pemilik Kereta Terpakai di Malaysia<\/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-4666495 elementor-section-full_width elementor-section-stretched elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"4666495\" 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-9a06180\" data-id=\"9a06180\" 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-dbacd00 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dbacd00\" 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-0e8db09\" data-id=\"0e8db09\" 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-1aa6cb9 elementor-widget elementor-widget-image\" data-id=\"1aa6cb9\" 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=\"622\" height=\"622\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/Article9_Otto-1.png\" class=\"attachment-full size-full wp-image-6990\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/Article9_Otto-1.png 622w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/Article9_Otto-1-500x500.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/Article9_Otto-1-300x300.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/Article9_Otto-1-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/Article9_Otto-1-150x150.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/Article9_Otto-1-75x75.png 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/Article9_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-987c751\" data-id=\"987c751\" 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-669ec7c elementor-widget elementor-widget-text-editor\" data-id=\"669ec7c\" 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>Jika kenderaan anda terlibat dalam kemalangan serius, dicuri, atau mengalami kerosakan yang tidak dapat dibaiki, anda mungkin akan mendengar istilah Kerugian Menyeluruh Sebenar (ATL - Actual Total Loss) semasa proses tuntutan insurans\/Takaful. Memahami ATL adalah penting kerana ia memberi kesan kepada cara anda menerima pampasan dan langkah yang perlu diambil seterusnya.<\/p><p>Panduan ini menerangkan ATL dalam bahasa yang mudah untuk membantu pemilik kenderaan mengurus proses ini dengan lebih yakin.<\/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-45a0c77 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"45a0c77\" 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-a4ecb70\" data-id=\"a4ecb70\" 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-512fc76 elementor-widget elementor-widget-text-editor\" data-id=\"512fc76\" 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>Membeli kenderaan terpakai yang telah diisytiharkan sebagai Kenderaan Tidak Berhemat Dibaiki (BER) mungkin kelihatan menakutkan, terutamanya apabila melibatkan perlindungan insurans atau takaful. Namun, anda tidak perlu risau kerana kenderaan BER masih boleh dilindungi, memberikan perlindungan yang anda perlukan. Panduan ini menerangkan langkah-langkah untuk mendapatkan perlindungan insurans atau takaful bagi kenderaan BER anda di Malaysia.<\/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-4f9cb57 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"4f9cb57\" 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\">Memahami Kenderaan BER<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ea1040 elementor-widget elementor-widget-text-editor\" data-id=\"1ea1040\" 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\">Masih kurang pasti apa itu kenderaan BER atau apa yang perlu diperhatikan sebelum membelinya? Anda boleh membaca lebih lanjut <a href=\"https:\/\/jomlevelup.my\/bm\/buying-a-used-car-heres-why-you-must-check-if-its-a-ber-vehicle\/\" target=\"_blank\" rel=\"noopener\">di sini<\/a> untuk mendapatkan pemahaman yang lebih baik sebelum membuat keputusan.<\/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-002c44a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"002c44a\" 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-3b635a4\" data-id=\"3b635a4\" 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-5b28f0c standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"5b28f0c\" 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\">Mengapa Perlindungan Insurans\/Takaful untuk Kenderaan BER Penting<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2557cc8 elementor-widget elementor-widget-text-editor\" data-id=\"2557cc8\" 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>Seperti mana-mana kenderaan lain yang layak di jalan raya, kenderaan BER memerlukan perlindungan insurans atau takaful yang sah untuk dipandu secara sah di jalan raya Malaysia. Walaupun pilihan perlindungan mungkin terhad kepada perlindungan asas atau insurans pihak ketiga, ia tetap penting untuk:<\/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-558f405 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"558f405\" 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-3714a08\" data-id=\"3714a08\" 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-2cbcb49 elementor-widget elementor-widget-image\" data-id=\"2cbcb49\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-protect.png\" class=\"attachment-full size-full wp-image-7025\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-protect.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-protect-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-protect-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/>\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-bd024d4\" data-id=\"bd024d4\" 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-377bc14 elementor-widget elementor-widget-text-editor\" data-id=\"377bc14\" 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><strong>Melindungi diri anda daripada liabiliti akibat kemalangan<\/strong><\/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-4c43d98 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c43d98\" 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-f39f6d1\" data-id=\"f39f6d1\" 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-4d14cde elementor-widget elementor-widget-image\" data-id=\"4d14cde\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-avoid.png\" class=\"attachment-full size-full wp-image-7026\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-avoid.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-avoid-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-avoid-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/>\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-87a2607\" data-id=\"87a2607\" 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-afc046c elementor-widget elementor-widget-text-editor\" data-id=\"afc046c\" 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><strong>Mengelakkan penalti undang-undang kerana memandu tanpa perlindungan<\/strong><\/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-a4c1c31 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a4c1c31\" 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-82b7d91\" data-id=\"82b7d91\" 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-66d75e8 elementor-widget elementor-widget-image\" data-id=\"66d75e8\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-enable.png\" class=\"attachment-full size-full wp-image-7027\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-enable.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-enable-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-enable-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/>\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-d15dfe6\" data-id=\"d15dfe6\" 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-bec0de1 elementor-widget elementor-widget-text-editor\" data-id=\"bec0de1\" 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><strong>Memudahkan urusan pembaharuan cukai jalan<\/strong><\/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-1464c4f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1464c4f\" 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-44874dd\" data-id=\"44874dd\" 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-c0038b2 elementor-widget elementor-widget-image\" data-id=\"c0038b2\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-secure.png\" class=\"attachment-full size-full wp-image-7028\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-secure.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-secure-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-secure-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/>\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-8ba9be1\" data-id=\"8ba9be1\" 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-bcfbc5e elementor-widget elementor-widget-text-editor\" data-id=\"bcfbc5e\" 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><strong>Memberi ketenangan fikiran kerana anda memandu secara sah<\/strong><\/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-5783eac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5783eac\" 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-1563d9f\" data-id=\"1563d9f\" 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-072eb28 standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"072eb28\" 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\">Langkah Mendapatkan Perlindungan Insurans\/Takaful untuk Kenderaan BER<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d455c38 elementor-widget elementor-widget-text-editor\" data-id=\"d455c38\" 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><strong>Langkah 1: Lakukan Pemeriksaan Kenderaan oleh Penyedia Perkhidmatan Pemeriksaan Kenderaan<\/strong><br \/><br \/>Sebelum memohon perlindungan, semua kenderaan BER mesti menjalani pemeriksaan untuk memastikan ia layak dan selamat dipandu.<\/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-c558822 elementor-widget elementor-widget-image\" data-id=\"c558822\" 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=\"1140\" height=\"512\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img01.png\" class=\"attachment-full size-full wp-image-7029\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img01.png 1140w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img01-500x225.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img01-300x135.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img01-768x345.png 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img01-18x8.png 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img01-150x67.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img01-480x216.png 480w\" sizes=\"(max-width:767px) 480px, (max-width:1140px) 100vw, 1140px\" \/>\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-f75927c elementor-widget elementor-widget-text-editor\" data-id=\"f75927c\" 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><strong>Langkah 2: Sediakan Dokumen yang Diperlukan<\/strong><br \/><br \/>Semasa memohon perlindungan, sediakan dokumen berikut:<\/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-a0ee1b2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a0ee1b2\" 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-a1f05be\" data-id=\"a1f05be\" 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-ce567b9 elementor-widget elementor-widget-image\" data-id=\"ce567b9\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-v-ownership.png\" class=\"attachment-full size-full wp-image-7030\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-v-ownership.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-v-ownership-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-v-ownership-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/>\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-cc720b4\" data-id=\"cc720b4\" 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-db0c69b elementor-widget elementor-widget-text-editor\" data-id=\"db0c69b\" 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><strong>Sijil Pemilikan Kenderaan (VOC): <\/strong>Bukti pemilikan kenderaan<\/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-fc1b7fd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fc1b7fd\" 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-27fadf3\" data-id=\"27fadf3\" 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-3a4769a elementor-widget elementor-widget-image\" data-id=\"3a4769a\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-v-inspection.png\" class=\"attachment-full size-full wp-image-7031\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-v-inspection.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-v-inspection-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-v-inspection-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/>\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-2f954c6\" data-id=\"2f954c6\" 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-1b60b81 elementor-widget elementor-widget-text-editor\" data-id=\"1b60b81\" 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><div><strong>Laporan Pemeriksaan Penyedia Perkhidmatan Pemeriksaan Kenderaan:<\/strong> Bukti bahawa kenderaan telah lulus pemeriksaan wajib \u2013 anda boleh minta salinan daripada penjual atau pengedar kereta terpakai<\/div><\/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-9dff9b5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9dff9b5\" 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-e38078c\" data-id=\"e38078c\" 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-849899f elementor-widget elementor-widget-image\" data-id=\"849899f\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-v-driver.png\" class=\"attachment-full size-full wp-image-7032\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-v-driver.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-v-driver-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-v-driver-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/>\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-2554788\" data-id=\"2554788\" 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-938fb66 elementor-widget elementor-widget-text-editor\" data-id=\"938fb66\" 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><strong>Kad Pengenalan dan Lesen Memandu:<\/strong> Salinan Kad Pengenalan dan Lesen Memandu anda<\/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-d4b9e4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d4b9e4c\" 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-0d45389\" data-id=\"0d45389\" 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-d8ea440 elementor-widget elementor-widget-text-editor\" data-id=\"d8ea440\" 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>Nota: Keperluan dokumen mungkin berbeza antara syarikat insurans atau pengendali takaful. Sila rujuk dengan penyedia pilihan anda untuk senarai penuh.<\/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-dbb0be1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dbb0be1\" 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-f21391e\" data-id=\"f21391e\" 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-cee74fc elementor-widget elementor-widget-text-editor\" data-id=\"cee74fc\" 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><strong>Langkah 3: Terokai Pilihan Perlindungan<\/strong><\/p><p>Jika kenderaan anda pernah dilindungi oleh syarikat insurans atau pengendali takaful tertentu (ITO), hubungi mereka dahulu. Mereka mungkin lebih memahami sejarah dan keadaan kenderaan tersebut, dan boleh menawarkan perlindungan yang sesuai \u2014 terutamanya jika mereka mempunyai rekod tuntutan terdahulu.<\/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-1790ee5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1790ee5\" 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-1062039\" data-id=\"1062039\" 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-502cc0a elementor-widget elementor-widget-image\" data-id=\"502cc0a\" 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=\"1140\" height=\"512\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img02.png\" class=\"attachment-full size-full wp-image-7033\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img02.png 1140w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img02-500x225.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img02-300x135.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img02-768x345.png 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img02-18x8.png 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img02-150x67.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-img02-480x216.png 480w\" sizes=\"(max-width:767px) 480px, (max-width:1140px) 100vw, 1140px\" \/>\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-0141988 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0141988\" 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-70d8304\" data-id=\"70d8304\" 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-e64da92 elementor-widget elementor-widget-text-editor\" data-id=\"e64da92\" 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><strong>Langkah 4: Pertimbangkan Malaysian Motor Insurance Pool (MMIP)<\/strong><\/p><p>Sekiranya anda tidak dapat mendapatkan perlindungan daripada mana-mana ITO, anda boleh menghubungi pihak GITO (pengendali asal yang mengisytiharkan BER) atau pertimbangkan untuk mendapatkan perlindungan melalui Malaysian Motor Insurance Pool (MMIP) yang berperanan sebagai pelindung terakhir dan diuruskan oleh Malaysian Reinsurance Berhad.<\/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-0fa0d93 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0fa0d93\" 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-126317f\" data-id=\"126317f\" 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-6a5ab2e elementor-widget elementor-widget-text-editor\" data-id=\"6a5ab2e\" 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><strong>Cara Memohon Melalui MMIP:<\/strong><\/p><ul><li>Hubungi GITO anda untuk membuat atur cara permohonan<\/li><li class=\"translation-block\">Kemukakan borang permintaan standard kepada MMIP. Sertakan dokumen yang diperlukan termasuk laporan Penyedia Perkhidmatan Pemeriksaan Kenderaan, maklumat pemilikan kenderaan, dan salinan lesen memandu<\/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-ff28e90 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ff28e90\" 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-239dd76\" data-id=\"239dd76\" 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-89dc10a standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"89dc10a\" 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\">Apa yang Perlu Dijangka: Sumbangan\/Premium &amp; Pilihan Perlindungan<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ceea72 elementor-widget elementor-widget-text-editor\" data-id=\"3ceea72\" 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 menginsuranskan kenderaan BER, anda perlu tahu apa yang lazimnya ditawarkan:<\/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-cef848f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cef848f\" 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-4ce4777\" data-id=\"4ce4777\" 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-6c6511d elementor-widget elementor-widget-image\" data-id=\"6c6511d\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-coverage.png\" class=\"attachment-full size-full wp-image-7034\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-coverage.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-coverage-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-coverage-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/>\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-7c9fa4b\" data-id=\"7c9fa4b\" 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-8a66353 elementor-widget elementor-widget-text-editor\" data-id=\"8a66353\" 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><div><strong>Jenis Perlindungan:<\/strong> Perlindungan menyeluruh atau minimum perlindungan pihak ketiga seperti yang ditetapkan oleh undang-undang<\/div><\/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-999782d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"999782d\" 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-9049630\" data-id=\"9049630\" 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-76b578f elementor-widget elementor-widget-image\" data-id=\"76b578f\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-premium.png\" class=\"attachment-full size-full wp-image-7035\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-premium.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-premium-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-premium-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/>\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-0ce6a1d\" data-id=\"0ce6a1d\" 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-332c649 elementor-widget elementor-widget-text-editor\" data-id=\"332c649\" 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><div class=\"translation-block\"><strong>Premium\/Sumbangan:<\/strong> Bergantung kepada umur, keadaan dan klasifikasi kenderaan. Sesetengah penyedia mungkin menyesuaikan premium agar bersesuaian dengan keperluan anda.<\/div><\/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-22a6f43 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22a6f43\" 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-db2d719\" data-id=\"db2d719\" 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-681c472 elementor-widget elementor-widget-image\" data-id=\"681c472\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-conditions.png\" class=\"attachment-full size-full wp-image-7036\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-conditions.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-conditions-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/06\/article16-icon-conditions-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/>\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-06ee3d6\" data-id=\"06ee3d6\" 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-31a6eab elementor-widget elementor-widget-text-editor\" data-id=\"31a6eab\" 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><div><strong>Syarat Tambahan:<\/strong> Sesetengah penyedia mungkin memerlukan dokumen sokongan tambahan atau pemeriksaan lanjut untuk menilai kelayakan kenderaan.<\/div><\/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\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-f513f7a elementor-section-full_width elementor-section-stretched elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"f513f7a\" 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-2055782\" data-id=\"2055782\" 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-6b09b37 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b09b37\" 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-5b0c6e2\" data-id=\"5b0c6e2\" 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-38320c1 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"38320c1\" 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\">Kesimpulan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8083b3c elementor-widget elementor-widget-text-editor\" data-id=\"8083b3c\" 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>Mendapatkan perlindungan insurans atau takaful untuk kenderaan BER adalah sesuatu yang boleh dilakukan dengan mengikuti langkah-langkah yang betul. Pastikan kenderaan anda mematuhi piawaian keselamatan dan kekalkan komunikasi terbuka dengan penyedia perlindungan untuk memudahkan proses permohonan.<\/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-34f9171 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34f9171\" 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-2fa7733\" data-id=\"2fa7733\" 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-24811c7 elementor-widget elementor-widget-image\" data-id=\"24811c7\" 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\/2025\/05\/logo-jlu.png\" class=\"attachment-full size-full wp-image-7002\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/logo-jlu.png 584w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/logo-jlu-500x210.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/logo-jlu-300x126.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/logo-jlu-18x8.png 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/logo-jlu-150x63.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/05\/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-f1e285f\" data-id=\"f1e285f\" 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-96cab88 elementor-widget elementor-widget-text-editor\" data-id=\"96cab88\" 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>Artikel 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><\/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-b0844da elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b0844da\" 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-f07c6fa\" data-id=\"f07c6fa\" 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-8e5fd59 elementor-widget elementor-widget-text-editor\" data-id=\"8e5fd59\" 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-top-section elementor-element elementor-element-4177cf2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4177cf2\" 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-top-column elementor-element elementor-element-434a405\" data-id=\"434a405\" 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-b23920d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b23920d\" 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-155e162\" data-id=\"155e162\" 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-1d392b7 elementor-align-center eng elementor-widget elementor-widget-button\" data-id=\"1d392b7\" 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\/2025\/06\/3_PIAM-WEB_02.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-bede1d6 elementor-align-center bm elementor-widget elementor-widget-button\" data-id=\"bede1d6\" 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\/2025\/06\/3_PIAM-WEB_02.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\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>Panduan praktikal untuk mendapatkan perlindungan insurans atau takaful bagi kenderaan terpakai atau BER anda.<\/p>","protected":false},"author":4,"featured_media":7040,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7022","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 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Can a BER Car Be Insured? 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