Introduction
Many drivers don’t realize that NCD can help you save up to 55% on your annual car insurance premium. But not everyone knows how to check their NCD rate. Thanks to digital systems, you can now check your car’s NCD online without visiting a counter — just use your car plate number and IC!
1. What Is NCD (No Claim Discount)?
NCD is a discount given to car owners who don’t make any insurance claims during their coverage period. The longer you drive without claiming, the higher your NCD — up to 55% after 5 consecutive years.
| Years Without Claim | NCD Discount (%) |
| 1 year | 25% |
| 2 years | 30% |
| 3 years | 38.33% |
| 4 years | 45% |
| 5 years & above | 55% |
2. How to Check Your Car’s NCD Online via BJAK
BJAK offers the fastest and most convenient way to check your NCD in just a few seconds:
- Visit BJAK.my
- Enter your car plate number
- The system automatically displays your current NCD rate (e.g. 45% or 55%)
- Instantly compare premium prices from multiple insurers with no extra charges
Why BJAK?
No registration needed — you can check your NCD right away and view personalized premium estimates based on your discount rate.
3. Alternative Option: Check via PIAM
If you prefer checking through an official industry body, use the PIAM NCD Enquiry portal:
- Visit the PIAM (Persatuan Insurans Am Malaysia) official website
- Enter your car plate number and IC
- View your current NCD rate along with brief claim history details
However, unlike BJAK, PIAM’s portal only shows your NCD percentage — it doesn’t display premium estimates.
4. Key Tips When Checking Your NCD
- Double-check your plate number and IC (avoid spacing or typos)
- If your car has a new owner, the previous NCD may not transfer automatically
- You can carry over your NCD to a new car as long as it’s under the same owner — just inform your insurer during renewal
Conclusion
Checking your car’s NCD online is now easier than ever — no more waiting at counters or calling agents. Use BJAK.my to instantly view your NCD rate, compare insurance premiums, and renew everything in one place. The sooner you check, the sooner you save.
Read More:
Calculate Car Insurance Premium In Malaysia
