Many drivers think making a small insurance claim won’t have much impact — but in reality, it can completely reset your NCD (No Claim Discount)!
Imagine saving for years without a single claim, then losing your 45% discount just because of a tiny scratch on your car door. Let’s break down why this happens and how you can avoid it.
1. What Is NCD and Why It Matters
NCD is a discount given to vehicle owners who don’t make any insurance claims during their coverage period.
It can go up to 55% for private cars. But once you file a claim under your own policy (own damage), your NCD will reset to 0%.
2. What Counts as a ‘Small Claim’
Small claims usually refer to minor damage such as:
- Broken side mirror
- Light bumper scratches
- Cracked headlamp from a minor collision
The repair cost might be only RM400–RM600, but if you use your insurance to cover it — you’ll lose an NCD discount that’s worth much more in the long run!
3. Example: The Impact of Losing NCD
| Situation | Original Premium | NCD 45% | After Claim |
| No claim | RM1,200 | RM660 | Save RM540 |
| Small claim | RM1,200 | No discount | Pay RM1,200 again |
4. When Claims Don’t Affect NCD
Your NCD will remain intact if you:
- Make a third-party claim
- Claim under add-on benefits (e.g., windscreen or flood coverage)
- The claim is made under someone else’s policy, not yours
5. How to Check Your NCD Status
You can check your NCD rate via:
- JPJ / MyJPJ (official vehicle records)
- Bjak.my — just enter your car plate number, and the system instantly shows your current NCD and premium estimate
Conclusion
Small claims might look harmless, but losing your NCD discount can be a costly mistake. Before filing a claim, calculate whether it’s truly worth it.
To quickly check your NCD rate, use Bjak’s insurance calculator — find out your actual discount instantly.
Read More:
Car Insurance Calculator Malaysia: Compare Premiums Easily
