Introduction
Many drivers don’t realize they can check their NCD (No Claim Discount) online for free — no need to visit an insurance branch. NCD is a discount given when you don’t make any insurance claims during your policy period. The higher your NCD, the lower your premium. This guide explains how to check your car insurance NCD online quickly and easily — at no cost.
What Is NCD and Why It Matters
NCD, or No Claim Discount, is a reward given to drivers who remain claim-free for one year or more. For private cars, it can reach up to 55%.
| Claim-Free Period | NCD Rate (%) |
| Year 1 | 25% |
| Year 2 | 30% |
| Year 3 | 38.33% |
| Year 4 | 45% |
| Year 5 and beyond | 55% |
How to Check Your Car Insurance NCD Online (Free)
1. Via Bjak Portal
- Visit www.bjak.my
- Enter your car plate number and basic vehicle details
- Get a quote — your NCD rate will appear together with the current premium
Why choose Bjak: Quick, automatic NCD check when comparing insurance prices.
2. Via MyEG Portal
- Go to www.myeg.com.my
- Log into your MyEG account
- Select “Insurance Renewal” and enter your vehicle registration number
- The system will display your current NCD rate
3. Contact Your Insurance Company or Agent
If you’re unsure which portal to use, contact insurers like Allianz, AXA, Zurich, or Takaful Malaysia directly. Provide your car plate number and they can confirm your NCD status.
Frequently Asked Questions (FAQ)
1. Can I transfer my NCD to another car?
Yes, as long as the vehicle owner remains the same person.
2. What happens if I make a small claim?
Your NCD will reset to 0% once the claim is approved.
3. Can I check someone else’s NCD?
No, only the registered vehicle owner can check it.
Conclusion
Now you know how to check your car insurance NCD online — fast and free. With easy access through Bjak or MyEG, you can find out your eligible discount before renewing your policy. Remember: a higher NCD means lower premiums.
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