{"id":43431,"date":"2023-10-13T17:45:29","date_gmt":"2023-10-13T09:45:29","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=43431"},"modified":"2025-09-12T17:38:27","modified_gmt":"2025-09-12T09:38:27","slug":"ncd-betterment-excess-rates","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-betterment-excess-rates","title":{"rendered":"NCD, Betterment &#038; Excess Rates In Auto Insurance"},"content":{"rendered":"\n<p>There are three main concepts within&nbsp;car insurance&nbsp;one must understand to make informed decisions before purchasing a policy. They are NCD, betterment and excess. Though they seem simple to some, these concepts can be the source of confusion during claim payouts and policy renewals, as they involve numbers.<\/p>\n\n\n\n<p>But worry not- we&#8217;ve compiled everything in one place, so you can easily refer to it when you&#8217;re in doubt. Remember to save this link for future use. It can be incredibly helpful.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d8b5ea77176\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d8b5ea77176\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-betterment-excess-rates\/#No-Claim_Discount_NCD\" title=\"No-Claim Discount (NCD)\">No-Claim Discount (NCD)<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-betterment-excess-rates\/#NCD_for_private_cars\" title=\"NCD for private cars\">NCD for private cars<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-betterment-excess-rates\/#NCD_for_motorcycles\" title=\"NCD for motorcycles\">NCD for motorcycles<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-betterment-excess-rates\/#Betterment\" title=\"Betterment\">Betterment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-betterment-excess-rates\/#Compulsory_Excess\" title=\"Compulsory Excess\">Compulsory Excess<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"No-Claim_Discount_NCD\"><\/span><strong>No-Claim Discount (NCD)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>No-Claim Discount (NCD) is a discount given for&nbsp;<a href=\"https:\/\/bjak.my\/en\">vehicle insurance<\/a>&nbsp;premiums by insurance companies. The waiver is set by Persatuan Insurans Am Malaysia (PIAM) to encourage safe driving. It acts as a reward\/incentive for vehicle owners with good driving behaviour. NCD is also referred to as No-Claim Bonus (NCB) by some people. <\/p>\n\n\n\n<p>The <a href=\"https:\/\/bjak.my\/blog\/no-claim-discount-ncd-drive-safely-and-save-more\/\">NCD rates<\/a> for new vehicles start at zero in the first year of purchase and gradually accumulate over time. If no claims are submitted or made against the policy, private car owners can enjoy a maximum discount of 55% (from the sixth year onwards), while motorcycle owners get a maximum discount of 25% (from the 4th year onwards).<\/p>\n\n\n\n<p>The NCB rates for private cars and motorcycles are listed in the tables below:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"NCD_for_private_cars\"><\/span>NCD for private cars<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"43435\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-betterment-excess-rates\/attachment\/211112-bjakblog-adilah-ncd-01-01-1-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/211112-BjakBlog-Adilah-NCD-01-01-1.jpg?fit=1060%2C773&amp;ssl=1\" data-orig-size=\"1060,773\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"211112-BjakBlog-Adilah-NCD-01-01-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/211112-BjakBlog-Adilah-NCD-01-01-1.jpg?fit=300%2C219&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/211112-BjakBlog-Adilah-NCD-01-01-1.jpg?fit=1060%2C773&amp;ssl=1\" loading=\"lazy\" width=\"1060\" height=\"773\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/211112-BjakBlog-Adilah-NCD-01-01-1.jpg?resize=1060%2C773&#038;ssl=1\" alt=\"NCD rates for cars\" class=\"wp-image-43435\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/211112-BjakBlog-Adilah-NCD-01-01-1.jpg?w=1060&amp;ssl=1 1060w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/211112-BjakBlog-Adilah-NCD-01-01-1.jpg?resize=300%2C219&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/211112-BjakBlog-Adilah-NCD-01-01-1.jpg?resize=768%2C560&amp;ssl=1 768w\" sizes=\"(max-width: 1060px) 100vw, 1060px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"NCD_for_motorcycles\"><\/span>NCD for motorcycles<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"43436\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-betterment-excess-rates\/attachment\/30424-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/30424.jpg?fit=1044%2C588&amp;ssl=1\" data-orig-size=\"1044,588\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"30424\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/30424.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/30424.jpg?fit=1044%2C588&amp;ssl=1\" loading=\"lazy\" width=\"1044\" height=\"588\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/30424.jpg?resize=1044%2C588&#038;ssl=1\" alt=\"NCD rates for motorcycles\" class=\"wp-image-43436\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/30424.jpg?w=1044&amp;ssl=1 1044w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/30424.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/30424.jpg?resize=768%2C433&amp;ssl=1 768w\" sizes=\"(max-width: 1044px) 100vw, 1044px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Betterment\"><\/span><strong>Betterment<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Betterment charges, also known as \u201cbetterment fees\u201d or \u201cdepreciation charges,\u201d are terms commonly associated with&nbsp;<a href=\"http:\/\/bjak.my\/en\">auto insurance<\/a>&nbsp;claims.<\/p>\n\n\n\n<p>Betterment charges refer to the situation where an insurance company may require a policyholder to pay a portion of the cost of replacing a damaged part with a new one, even if the original damaged part was used or old. This is due to the concept of betterment or improvement \u2013 the idea that a replaced part is now \u201cbetter\u201d than the old one.<\/p>\n\n\n\n<p>The betterment charges are usually charged for vehicles older than 5 years. The minimum rate starts at 15%, while the maximum is 40%. The rate differs based on the age of the vehicle, as illustrated below:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"43437\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-betterment-excess-rates\/attachment\/39427-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/39427.jpg?fit=1080%2C761&amp;ssl=1\" data-orig-size=\"1080,761\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"39427\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/39427.jpg?fit=300%2C211&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/39427.jpg?fit=1080%2C761&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"761\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/39427.jpg?resize=1080%2C761&#038;ssl=1\" alt=\"Betterment rates\" class=\"wp-image-43437\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/39427.jpg?w=1080&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/39427.jpg?resize=300%2C211&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/39427.jpg?resize=768%2C541&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Compulsory_Excess\"><\/span><strong>Compulsory Excess<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Excess is the initial payment required when filing an insurance claim preceding the coverage provided by your insurer. It is often a fixed amount and compulsory for policyholders under certain scenarios.<\/p>\n\n\n\n<p>Compulsory excess is a fixed amount (usually RM400) set by insurers towards young, high-risk drivers. Policyholders are required to pay this amount if they fall into one of the categories below:<\/p>\n\n\n\n<ul><li>You or your drivers are below 21 years old<\/li><li>Have a Probationary (P) or Learner\u2019s (L) licence<\/li><li>The vehicle damage is caused by unnamed drivers<\/li><\/ul>\n\n\n\n<p>An example of how compulsory excess works is shown in the table below:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-attachment-id=\"43489\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-betterment-excess-rates\/attachment\/fi-en-10-16b\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/FI-EN-10-16B.jpg?fit=988%2C1510&amp;ssl=1\" data-orig-size=\"988,1510\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"FI-EN-10-16B\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/FI-EN-10-16B.jpg?fit=196%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/FI-EN-10-16B.jpg?fit=670%2C1024&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/FI-EN-10-16B.jpg?resize=391%2C598&#038;ssl=1\" alt=\"Compulsory excess calculation\" class=\"wp-image-43489\" width=\"391\" height=\"598\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/FI-EN-10-16B.jpg?resize=670%2C1024&amp;ssl=1 670w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/FI-EN-10-16B.jpg?resize=196%2C300&amp;ssl=1 196w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/FI-EN-10-16B.jpg?resize=768%2C1174&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/FI-EN-10-16B.jpg?w=988&amp;ssl=1 988w\" sizes=\"(max-width: 391px) 100vw, 391px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!<\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=ncd-betterment-excess-rates\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get Free Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><strong style=\"background-color: var(--nv-site-bg); color: var(--nv-text-color); font-family: var(--bodyfontfamily); font-size: var(--bodyfontsize); letter-spacing: var(--bodyletterspacing); text-transform: var(--bodytexttransform);\"><em><a href=\"https:\/\/bjak.my\/blog\/compulsory-excess-malaysia\/\">Compulsory Excess Vs. Voluntary Excess In Malaysia<\/a><\/em><\/strong><\/li><li><em><a href=\"https:\/\/bjak.my\/blog\/electric-vehicle-insurance\/\"><strong>5 Factors To Consider When Insuring Electric Vehicles<\/strong><\/a><\/em><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/hybrid-car-insurance\/\">Auto Insurance For Hybrid Cars<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>A complete list containing the NCD, betterment and compulsory excess rates in auto insurance.<\/p>\n","protected":false},"author":19,"featured_media":43439,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,59,952,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NCD, Betterment &amp; Excess Rates In Auto Insurance In Malaysia<\/title>\n<meta name=\"description\" content=\"A complete list containing the NCD, betterment and compulsory excess rates in auto insurance. 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