NCD Insurance Calculator Malaysia: Check Discounts Up to 55%

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Introduction

Most Malaysian drivers have heard of NCD (No Claim Discount), but not everyone knows how to calculate the exact discount or potential premium savings. With the NCD Insurance Calculator Malaysia, you can easily find out how much discount you’re entitled to — up to 55% for drivers with no claims over five years.

What Is NCD and How Does It Work?

NCD is a discount offered by insurers to drivers who have not made any insurance claims during their previous coverage period. It applies when you renew your annual car insurance policy.
The longer you drive without accidents or claims, the higher your NCD percentage.

Years Without Claim	NCD Rate (%)
Year 1	25%
Year 2	30%
Year 3	38.88%
Year 4	45%
Year 5 & above	55% (Maximum)

Example: If your original premium is RM1,200 and you qualify for a 45% NCD, you’ll only pay RM660 for the next policy year.

How To Use the NCD Insurance Calculator Malaysia

The NCD calculator lets you check your discount instantly without contacting your insurer. Simply:

Enter your car’s plate number.
Choose your insurance type (Comprehensive or Third Party).
The system will show your current NCD rate and the total premium after discount.

On platforms like BJAK, this check happens automatically when you enter your plate number to get an insurance quote — fast, accurate, and free.

Why Your NCD Might Drop

Even if you didn’t file a claim, several factors can cause your NCD to decrease or reset:

Changing car or ownership without transferring your NCD.
Making an Own Damage claim.
Letting your policy lapse for more than 12 months without renewal.

If this happens, check your latest NCD status with your insurer or use official portals like JPJ or BJAK for verification.

Conclusion

Use the NCD Insurance Calculator Malaysia to discover your eligible discount and calculate the real premium before renewing your car insurance. Early checking helps you plan your budget, maintain the maximum 55% discount, and prevent accidental NCD loss.
With platforms like BJAK, everything is displayed clearly — complete with insurer options such as Allianz, Zurich Takaful, Liberty, RHB, P&O Insurance, and Takaful Malaysia.