{"id":45185,"date":"2024-01-09T17:24:14","date_gmt":"2024-01-09T09:24:14","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=45185"},"modified":"2025-07-17T10:34:21","modified_gmt":"2025-07-17T02:34:21","slug":"ncb-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncb-insurans-kereta","title":{"rendered":"Apakah NCB Dalam Insurans Kereta?"},"content":{"rendered":"\n<p>Terdapat pelbagai terma dan konsep dalam <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> yang mesti difahami oleh seseorang itu sebelum membuat keputusan muktamad ketika hendak membeli polisi. Salah satu contoh terma tersebut adalah NCB. NCB bukanlah suatu konsep yang baru dalam insurans kenderaan, namun begitu orang ramai masih boleh terkeliru bila ia disebut kerana NCB ini biasanya dirujuk dengan nama lain.<\/p>\n\n\n\n<p>Dalam artikel ini, kita akan lebih mendalami berkenaan NCB dalam <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a>, bagaimana ia dikira, dan beberapa fakta penting mengenainya yang anda perlu tahu.<\/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-69e064cd37452\" 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-69e064cd37452\"><\/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\/insurans-kereta\/ncb-insurans-kereta\/#Apa_itu_NCB\" title=\"Apa itu NCB?\">Apa itu NCB?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncb-insurans-kereta\/#Kadar_NCB_untuk_kenderaan\" title=\"Kadar NCB untuk kenderaan\">Kadar NCB untuk kenderaan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncb-insurans-kereta\/#Perkara_yang_perlu_diketahui_tentang_NCB\" title=\"Perkara yang perlu diketahui tentang NCB\">Perkara yang perlu diketahui tentang NCB<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apa_itu_NCB\"><\/span>Apa itu NCB?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bonus Tanpa Tuntutan atau NCB ialah ialah diskaun yang diberikan untuk <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium insurans kereta<\/a> oleh syarikat insurans. Pengecualian itu ditetapkan oleh Persatuan Insurans Am Malaysia (PIAM) untuk menggalakkan pemanduan selamat dan bertindaks ebagai ganjaran\/insentif untuk pemilik kenderaan yang mempunyai tingkah laku pemanduan yang baik.<\/p>\n\n\n\n<p>Diskaun Tanpa Tuntutan atau NCD ialah istilah alternatif kepada NCB.&nbsp;Kedua-dua terma itu pada dasarnya bermaksud sama dan digunakan secara berbeza-beza oleh orang.&nbsp;Kadar NCB\/NCD untuk kenderaan baharu bermula pada sifar pada tahun pertama pembelian dan secara beransur-ansur terkumpul dari semasa ke semasa. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kadar_NCB_untuk_kenderaan\"><\/span>Kadar NCB untuk kenderaan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kadar NCB ditetapkan oleh Persatuan Insurans Am Malaysia (PIAM), dan setiap syarikat insurans di negara ini mengikutinya. Dengan NCD, Diskaun maksimum untuk kereta persendirian ialah 55%, manakala motosikal dan kenderaan komersial layak mendapat diskaun maksimum 25% jika tiada tuntutan dikemukakan atau dibuat terhadap polisi.<\/p>\n\n\n\n<p>Kadar NCB untuk kereta persendirian, motosikal dan kenderaan komersial disenaraikan di bawah:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"45186\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncb-insurans-kereta\/attachment\/fi-en-9-13-chart-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/FI-EN-9-13-CHART.webp?fit=1080%2C507&amp;ssl=1\" data-orig-size=\"1080,507\" 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-9-13-CHART\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/FI-EN-9-13-CHART.webp?fit=300%2C141&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/FI-EN-9-13-CHART.webp?fit=1080%2C507&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"507\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/FI-EN-9-13-CHART.webp?resize=1080%2C507&#038;ssl=1\" alt=\"\" class=\"wp-image-45186\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/FI-EN-9-13-CHART.webp?w=1080&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/FI-EN-9-13-CHART.webp?resize=300%2C141&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/FI-EN-9-13-CHART.webp?resize=768%2C361&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Pengiraan sampel:<\/p>\n\n\n\n<ul><li>Jumlah perlindungan: RM36,000<\/li><li>Sumbangan asas: RM1068.67<\/li><li>NCB (25%): RM267.17<\/li><li>Jumlah kecil: RM801.50<\/li><li>Cukai perkhidmatan (6%): RM48.09<\/li><li>Duti setem: RM10<\/li><li>Jumlah perlu dibayar: RM859.59<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perkara_yang_perlu_diketahui_tentang_NCB\"><\/span>Perkara yang perlu diketahui tentang NCB<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>NCB anda adalah milik anda dan bukan kenderaan anda<\/strong>&nbsp;\u2013 Ini bermakna diskaun diberikan kepada pemegang polisi dan bukannya kenderaan.&nbsp;Diskaun NCB juga terpakai kepada semua syarikat insurans.&nbsp;Jadi, jika anda memilih untuk menukar syarikat insurans anda dalam mana-mana tempoh tertentu, penepian boleh dibawa ke hadapan.<\/p>\n\n\n\n<p><strong>Elakkan tuntutan untuk melindungi&nbsp;NCB anda<\/strong>&nbsp;\u2013 Seperti yang ditunjukkan di atas, pemilik kenderaan akan mula menerima diskaun ke atas premium dari tahun kedua pembaharuan polisi.&nbsp;Kadar terkumpul setiap tahun, dengan syarat tiada tuntutan dibuat terhadap atau dikemukakan di bawah polisi mereka.&nbsp;Jadi, cara terbaik untuk melindungi diskaun anda adalah untuk mengelakkan kemalangan yang mungkin memerlukan tuntutan.<\/p>\n\n\n\n<p><strong>Tuntutan cermin depan boleh menjejaskan NCB anda<\/strong>&nbsp;&nbsp;\u2013 Jika anda mengemukakan tuntutan cermin depan tanpa perlindungan tambahan untuk kerosakan cermin depan, tuntutan tersebut akan&nbsp;menjejaskan NCB kerana ia akan dianggap sebagai tuntutan di bawah premium asas anda.&nbsp;Beli perlindungan cermin depan tambahan atau gunakan wang anda untuk menampung perbelanjaan.&nbsp;Dengan cara ini, anda boleh mengelakkan diri anda daripada kehilangan NCB jika tuntutan cermin depan terjadi dan tidak dapat dielakkan.<\/p>\n\n\n\n<p><strong>Memindahkan NCB anda membantu mengekalkannya<\/strong>&nbsp;&#8211; Jika kenderaan anda menjadi usang dan mula rosak, memindahkannya ke kenderaan baharu membantu mengekalkannya.&nbsp;Ini memastikan anda terus mendapat manfaat daripada NCB terkumpul anda walaupun anda menukar kenderaan anda.&nbsp;Walau bagaimanapun, pemindahan hanya boleh dibuat dalam jenis kenderaan yang sama, seperti antara motosikal dan kereta.<\/p>\n\n\n\n<p><strong>Tidak memperbaharui insurans akan menjejaskan NCD anda<\/strong>&nbsp;\u2013 Jika anda memilih untuk tidak memperbaharui insurans untuk kenderaan anda, diskaun NCB terkumpul akan diterbalikkan selepas setiap tahun sehingga ia mencapai 0%.&nbsp;Sebagai contoh, jika anda terlepas satu kitaran pembaharuan apabila diskaun NCB anda ialah 30%, kadar akan diterbalikkan kepada 25% untuk kitaran pembaharuan seterusnya.&nbsp;Jika anda terus tidak memperbaharui polisi anda selama setahun lagi, NCB akan turun kepada sifar.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan sebut harga percuma di Bjak dan pilih pelan terbaik hari ini!<\/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-nv-dark-bg-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=ncb-insurans-kereta\">Renew Online<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Baca juga: <\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kemalangan-peribadi-terbaik\/\">4 Jenama Insurans Kenderaan Yang Tawar Insurans Kemalangan Peribadi Terbaik<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-claim-insuran-kereta-jika-berlaku-kecurian\/\">Cara Claim Insuran Kereta Jika Berlaku Kecurian<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/risiko-renew-insurans-kereta-third-party\/\">Risiko Renew Insurans Kereta Third Party<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ramai yang pastinya terkeliru diantara NCD dan NCB. Kalau nak tahu berkenaan perbezaan serta maksudnya, baca artikel ini.<\/p>\n","protected":false},"author":23,"featured_media":45225,"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":[350],"tags":[26,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apakah NCB Dalam Insurans Kereta?<\/title>\n<meta name=\"description\" content=\"Ramai yang pastinya terkeliru diantara NCD dan NCB. 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