Introduction
NCD (No Claim Discount) is a valuable benefit for every car owner. However, many drivers are unaware that their NCD can decrease or be lost after a claim if not managed correctly. This NCD Relief Guide explains the steps to protect your NCD, even when a claim occurs.
1. What Is NCD Relief
NCD Relief is a mechanism or endorsement that allows your NCD to remain safe even after certain claims. It is usually offered by insurers or via official platforms like BJAK.
Note: NCD Relief is valid only if the claim is correctly categorized and processed through official channels.
2. When NCD Relief Can Be Used
- Claims that are not your fault (Accident Bukan Salah Anda)
- Minor claims that do not cause significant damage to the car
- Situations where the insurer allows NCD to be retained
Tip: Always check with BJAK or your insurer whether your claim qualifies for NCD Relief.
3. How to Apply for NCD Relief
- Submit your claim via official channels – BJAK or authorized insurer
- Complete the endorsement form – to apply for NCD Relief for a specific vehicle or policy
- Monitor claim status – ensure your NCD is not reduced after the claim is processed
Note: NCD can only be transferred under the same NRIC and vehicle class.
4. Additional Tips
- Keep records of your old policy and NCD proof before making a claim
- Avoid waiting until the policy expires before renewing to apply for NCD Relief
- Know your rights: NCD is usually unaffected if the accident was not your fault
Conclusion
This NCD Relief Guide helps drivers safeguard their NCD even after a claim. By using official channels, following the endorsement procedure, and monitoring claim status, your insurance discount can remain intact. Protect your NCD now to save on future car premiums.
Read More:
NCD Suddenly 0%? How to Restore Your Discount
