Introduction
Avoid Own Damage That could unnecessarily eat into your NCD, because keeping your no-claim discount intact can save you a significant amount on annual insurance premiums. In many situations, small repairs cost less than the NCD you would lose if you filed a claim. With that in mind, BJAK helps car owners compare repair costs against the potential impact on their NCD, making it easier to make informed, cost-saving decisions without risking your discount.
1. What Is NCD and Why It Matters
The No Claim Discount (NCD) is a discount you earn when no claims are made during the policy period:
- Experienced drivers can reach up to 55% NCD
- Losing NCD means higher annual premiums
- Unnecessary own damage claims are a common cause of NCD loss
BJAK lets users check their NCD status before making claim decisions.
2. When You Should Make an Own Damage Claim
- Major accidents or damage exceeding repair costs
- Vehicle damage caused by fire, flood, or theft
- Repairs that require professional panel work for safety
Avoid claiming for minor scratches or cosmetic damage that can be repaired yourself, as this could reduce your NCD.
3. How to Prevent Workshops From Pushing Claims That Eat Your NCD
- Inform your mechanic or workshop you prefer self-repair if costs are low
- Compare self-repair costs vs own damage claim costs
- Use BJAK to check policies and choose insurers that offer flexibility
- Keep repair records for future reference
4. Benefits of Monitoring NCD With BJAK
- Check your current NCD before renewal
- Compare premiums across insurers
- Make informed decisions about whether to claim or repair yourself
- Ensure self-damage does not affect your discount
Conclusion
Avoiding own damage claims that eat into your NCD is essential for keeping insurance premiums low. With BJAK, users can compare policies, make informed claim decisions, and monitor their NCD easily, ensuring that annual insurance costs remain manageable.
Read More:
Malaysian Car Insurance – Extension 101 Guide
Motorbike 3rd Party Insurance: What You Must Know
Motorbike Insurance 101: Understanding 1st Party vs 3rd Party Coverage
