Introduction
NCD, or No Claim Discount, is a premium reduction for drivers who haven’t made claims over a certain period. Many car owners ask: can you transfer car NCD to a motorcycle? The answer must be precise as it involves PIAM regulations. This article explains clearly that car NCD cannot be transferred to a motorcycle, and what you need to know to maximize your premium discounts.
1. What is NCD and Who Can Use It
- NCD is an individual right, not tied to the vehicle.
- It is linked to the owner’s NRIC and can only be used for the same vehicle class (e.g., car to car).
- NCD cannot be transferred or “stacked” across two policies at the same time.
Understanding this principle explains why transferring car NCD to a motorcycle is not allowed.
2. PIAM Regulations on NCD
PIAM states that:
- NCD is only valid for one vehicle class.
- No NCD can be applied to a different vehicle without a valid endorsement.
- If NCD is transferred to a new car in the same class, the old NCD overwrites the previous NCD on the new policy, and the old NCD becomes 0%.
Conclusion: Car and motorcycle are different classes → transfer is not allowed.
3. What You Can Do
Even though car NCD cannot be moved to a motorcycle, you can:
- Apply your existing NCD to another car in the same class.
- Ensure NCD is retained when changing ownership or buying a new car through the official endorsement process.
- Check NCD status via digital platforms like BJAK to avoid issues with the insurance system (ISM).
4. Risks of Unauthorized NCD Transfer
- Your claim could be rejected by the insurer.
- The ISM system will detect duplicate or unauthorized transfer attempts.
- Valid NCD may be lost if the transfer does not follow PIAM procedures.
Tip: Never attempt to transfer car NCD to a motorcycle — any attempt could be costly.
Conclusion
The short answer: no, you cannot transfer car NCD to a motorcycle. NCD is only valid for the same vehicle class and can only be used by the same owner. To retain premium discounts, use NCD on a car in the same class, manage transfers via official endorsements, and check your status through platforms like BJAK. This ensures your NCD rights remain safe and there are no future claim issues.
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