Introduction
Before renewing your insurance or roadtax, it’s important to know two key things: to check your current roadtax & NCD. Most people check them separately — but now you can check both in seconds using BJAK Calculator. This guide shows easy steps to do so and explains why this method is faster than manual checks via JPJ or individual insurer websites.
What Is NCD & Why You Need to Know It
NCD (No Claim Discount) is a discount based on the period you make no insurance claims.
The longer you stay claim-free, the bigger the discount — up to a maximum of 55%.
This value is crucial because it directly reduces your annual premium.
Example:
Original premium RM1,000 → after 55% NCD → pay only RM450.
If you don’t know your current NCD, you might miscalculate your budget when renewing insurance or comparing prices.
Why Check Roadtax Together
Roadtax is calculated based on engine capacity and registration location.
For example:
- A 1.3L car in Peninsular Malaysia may be around RM70–RM90.
- A 2.0L SUV can reach RM300–RM400.
Checking NCD and roadtax together gives a complete picture of your actual renewal budget — avoiding surprises at the end.
Advantages of Using BJAK Calculator
BJAK Calculator is more than just a premium checker — it shows both critical pieces of information at once:
- Current NCD (from the insurance database)
- Estimated insurance premium after discount
- Roadtax based on engine capacity and state
- Instant quotes from panels like Allianz, Takaful Malaysia, and Zurich Takaful
All in one page, no account registration or long forms required.
Steps to Check Roadtax & NCD
- Go to the official BJAK Calculator website
- Enter your vehicle plate number (e.g., ABC1234)
- Select vehicle type and registration state
- Click “Check Now”
- Results will display your current NCD and estimated roadtax
- You can then select quotes from available panels and complete payment online if desired
Sample Display (Brief)
| Information | Value |
| Plate Number | VDF1234 |
| Current NCD | 55% |
| Estimated Premium | RM450 |
| Roadtax | RM90 |
| Suggested Insurer | Allianz / Takaful Malaysia |
Why This Method Is Better
- Fast: Results in seconds
- Free: No checking fees
- Accurate: Data directly from registered insurance systems
- Convenient: Accessible from your phone anytime
Many users prefer this method because it’s more efficient than manual checks via JPJ or individual insurer websites.
Conclusion
Checking NCD and roadtax is no longer complicated. With BJAK Calculator, you can do it simultaneously — fast, free, and with real insurance quotes. This method not only saves time but also helps you make smarter decisions before renewing insurance or roadtax.
Read More:
NCD Drop Even Without a Claim, Why?
Car Insurance Calculator Malaysia: Find the Cheapest Policy Fast
Car Roadtax Malaysia: Old vs New, Differences, Rates & Smart Ways to Save
