How to Transfer NCD Insurance Between Vehicles in Malaysia

Contents =

Introduction

The No Claim Discount (NCD) is a special discount given to Malaysian vehicle owners that can reduce insurance premiums by up to 55%, offering significant yearly savings. However, many drivers don’t realize that the NCD can actually be transferred to another vehicle — as long as both are registered under the same NRIC and vehicle type. This guide explains the correct way to transfer NCD insurance for your new car so you can continue saving on your premiums.

Steps to Transfer NCD Between Vehicles

1. Check Your Existing Policy

Ensure your current policy is still active and no claims have been made.
The NCD can only be transferred if the existing policy has been active for at least 12 months.

2. Prepare the Required Documents

Copy of the new car registration card
Copy of your current insurance policy
NRIC of the owner (must be the same for both vehicles)
NCD transfer form (available from your insurer or platforms like BJAK)

3. Contact Your Insurance Company or BJAK Platform

Inform them that you want to transfer your NCD to a new vehicle.
Submit all documents for verification.
BJAK Tip: BJAK can help speed up the process with direct digital verification to panel insurers.

4. Submit the Form & Wait for Confirmation

Sign and send the NCD transfer form together with supporting documents.
Keep a copy of the form for future reference in case of any issues.

Example of NCD Transfer Between Vehicles Under the Same Owner

Original Car	NCD (%)	New Car	Transferred NCD (%)
Proton Saga	25%	Perodua Bezza	25%
Honda Civic	45%	Toyota Corolla	45%
Mazda CX-5	55%	Hyundai Tucson	55%

BJAK Tip: Make sure your new vehicle has the same or higher insurance coverage type as your previous one to keep your NCD valid.

Tips for Transferring NCD Correctly

NCD can only be transferred between vehicles owned by the same person (same NRIC).
Ensure the NCD hasn’t expired for more than 12 months.
Transfer it to a Comprehensive policy for full benefits.
Keep proof of transfer and verify the discount amount on your new policy before payment.
Use BJAK to check your NCD status online and avoid manual delays.

Conclusion

Transferring NCD insurance between vehicles under the same owner is the best way to maintain your discount and save up to 55% on your car insurance premium. By following the correct steps, you’ll avoid losing your NCD and continue enjoying lower premiums each year. Use BJAK to check and transfer your NCD quickly, safely, and legally online.