Introduction
NCD, or No Claim Discount, is basically a discount you get if you haven’t made any claims during your policy period. Ever thought about how much you could save if you actually checked it before renewing your car insurance? Well, this guide shows how to check your NCD the right way — whether through your insurer, online platforms, or even MyCarInfo (MCI) at https://www.mycarinfo.com.my/NCDCheck/Online. Honestly, a few minutes now can save you a ton later.
What’s NCD?
- A discount calculated as a percentage (%) off your original premium.
- Depends on years without claims: 1 year → 10%, 2 years → 20%, and so on, up to the maximum.
- No NCD → pay full premium.
How to Check Your NCD
| Method | Steps |
| Contact Your Insurer | Call or email your insurance company and request NCD confirmation. |
| Online Platforms | Bjak, MyEG, Pos Malaysia sometimes show NCD info during online renewal. |
| MyCarInfo (MCI) | Visit MCI NCD Check, enter your car & owner details, and see your current NCD. |
| Old Policy / Documents | Check previous policy documents; NCD is usually recorded there. |
| Insurance Agent | If using an agent, they can verify and inform you of your eligible discount. |
Tips to Check NCD Properly
- Make sure no claims were made last year – Any claims can lower your NCD.
- Keep old policy proof – Platforms may ask for previous info to verify.
- Check early – Don’t wait till renewal day; mistakes can make you overpay.
- Compare prices with NCD – Once you know your discount, compare premiums on Bjak, MyEG, Pos Malaysia.
Quick FAQs
1. Can NCD be transferred to another insurer?
Yes, usually. But you’ll need proof of the old policy and a confirmation letter from your previous insurer.
2. Will making a claim reduce NCD?
Yes, your discount can drop depending on the insurer’s policy, e.g., from 50% → 25%.
3. What if I’m unsure about my NCD?
Use phone, online, MCI, or agent verification — don’t just guess.
Conclusion
So yeah, knowing how to check your NCD isn’t just about saving money — it’s about avoiding the headache of overpaying. Keep your old documents handy, peek at online platforms including MCI, and plan your renewal a bit early. Do that, and the whole process becomes way smoother — less stress, less chance of mistakes, and your wallet stays happier.
Read More:
Top 5 Common Mistakes When Buying Car Insurance in Malaysia
Takaful vs Conventional Insurance: Which Once Should You Choose?
