Introduction
Many drivers worry that their NCD will be lost after an accident or car insurance claim. The good news is that your NCD can be saved if you follow the right steps. This article highlights often-overlooked information so that your NCD remains protected even after a claim.
1. Understand What NCD Is
No Claim Discount (NCD) is a car insurance discount given for not making any claims during the previous policy period. Drivers who consistently avoid claims can save up to 55% on their premiums.
Tip: The higher your NCD, the lower your next car insurance premium.
2. When NCD Can Be Lost
Even if you can save your NCD, certain situations can still cause you to lose it:
- Claims submitted without following the correct procedures
- Policy lapses due to gap renewal
- Changing cars without completing an NCD endorsement
Many drivers are unaware that certain claims won’t affect your NCD if submitted through official channels.
3. How to Save Your NCD
To make sure your NCD can be saved:
- Use official channels – Submit claims via BJAK or your authorized insurer.
- Choose the right panel repair & add-on – Avoid workshops recommending unnecessary OD claims.
- Check your claim status –Categorize your claim correctly to protect your NCD.
- Consider NCD Relief / Withdrawal – In some cases, you can transfer or protect your NCD through an endorsement.
Note: You can only transfer your NCD to a vehicle under the same NRIC and vehicle class.
4. Additional Tips
- Keep records of your old policy and a copy of your NCD before making a claim.
- Avoid waiting until the policy expires to renew, so there is no gap.
- Know your rights: not all claims will reduce your NCD, especially if the accident wasn’t your fault.
Conclusion
You can save your NCD by understanding your rights and handling claims correctly.. By following simple steps such as using BJAK’s official channels, selecting the right panel repair, and monitoring your claim status, your NCD remains safe even after an accident.
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