{"id":47040,"date":"2024-05-16T12:32:00","date_gmt":"2024-05-16T04:32:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47040"},"modified":"2024-05-13T22:46:47","modified_gmt":"2024-05-13T14:46:47","slug":"%e5%8e%9f%e6%9d%a5%e8%bf%99%e6%a0%b7%e7%9a%84%e6%83%85%e5%86%b5%e4%b8%8b%e7%b4%a2%e8%b5%94%ef%bc%8c%e4%b8%8d%e4%bc%9a%e6%89%a3-ncd%ef%bc%81","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%8e%9f%e6%9d%a5%e8%bf%99%e6%a0%b7%e7%9a%84%e6%83%85%e5%86%b5%e4%b8%8b%e7%b4%a2%e8%b5%94%ef%bc%8c%e4%b8%8d%e4%bc%9a%e6%89%a3-ncd%ef%bc%81","title":{"rendered":"\u539f\u6765\u8fd9\u6837\u7684\u60c5\u51b5\u4e0b\u7d22\u8d54\uff0c\u4e0d\u4f1a\u6263NCD\uff01"},"content":{"rendered":"\n<p>\u5f00\u8f66\u7684\u670b\u53cb\u80af\u5b9a\u5bf9 NCD \u4e0d\u4f1a\u611f\u5230\u964c\u751f\uff0c\u5b83\u6240\u6307\u7684\u5c31\u662f\u6c7d\u8f66\u4fdd\u9669\u7684\u65e0\u7d22\u507f\u6298\u6263\uff08Non Claim Discount\uff09\uff0c\u53ea\u8981\u8f66\u5b50\u4e00\u5e74\u5185\u6ca1\u6709\u53d1\u751f\u610f\u5916\uff0c\u4e5f\u6ca1\u6709\u7d22\u8d54\uff0c\u90a3\u4e48\u4e0b\u4e00\u5e74\u4fdd\u8d39\u5c31\u53ef\u4ee5\u83b7\u5f97\u989d\u5916\u6298\u6263\uff0c\u800c\u4e14\u8fd9\u9879\u6298\u6263\u662f\u9010\u5e74\u589e\u52a0\uff0c\u6700\u9ad8\u53ef\u7d2f\u79ef\u5230 55%\u3002<\/p>\n\n\n\n<p>\u4e0d\u8fc7\uff0c\u8981\u662f\u60a8\u7684\u65e0\u7d22\u507f\u6298\u6263\uff08NCD\uff09\u5df2\u7ecf\u7d2f\u79ef\u5230 55% \uff0c\u5374\u5728\u8fd9\u65f6\u5019\u4e0d\u5e78\u53d1\u751f\u4ea4\u901a\u610f\u5916\uff0c\u5fc5\u987b\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\uff0c\u90a3\u4e48\u60a8\u7684\u65e0\u7d22\u507f\u6298\u6263\u5c31\u4f1a\u91cd\u65b0\u8c03\u6574\u5230 0%\u3002\u6362\u53e5\u8bdd\u8bf4\uff0c\u4e0b\u4e00\u6b21\u66f4\u65b0\u8f66\u9669\u65f6\uff0c\u5c31\u4e0d\u4f1a\u5f97\u5230\u4efb\u4f55\u6298\u6263\u4e86\u3002<\/p>\n\n\n\n<p>\u4f46\uff0c\u4e5f\u6709\u4e00\u4e9b\u60c5\u51b5\u4e0b\uff0c\u7d22\u8d54\u662f\u4e0d\u5f71\u54cd NCD \uff01<\/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-to-luminous-vivid-orange-gradient-background has-text-color has-background\" href=\"https:\/\/bjak.my\/zh?utm_source=blogzh&amp;utm_campaign=article339\" target=\"_blank\" rel=\"noreferrer noopener\">\u7d22\u53d6\u62a5\u4ef7<\/a><\/div>\n<\/div>\n\n\n\n<p><\/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-69d796fc316ea\" 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-69d796fc316ea\"><\/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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%8e%9f%e6%9d%a5%e8%bf%99%e6%a0%b7%e7%9a%84%e6%83%85%e5%86%b5%e4%b8%8b%e7%b4%a2%e8%b5%94%ef%bc%8c%e4%b8%8d%e4%bc%9a%e6%89%a3-ncd%ef%bc%81\/#%E6%8F%90%E5%87%BA%E4%BA%92%E6%92%9E%E8%87%AA%E8%B5%94%EF%BC%88Own_Damage_Knock_for_Knock%EF%BC%89\" title=\"\u63d0\u51fa\u4e92\u649e\u81ea\u8d54\uff08Own Damage Knock for Knock\uff09\">\u63d0\u51fa\u4e92\u649e\u81ea\u8d54\uff08Own Damage Knock for Knock\uff09<\/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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%8e%9f%e6%9d%a5%e8%bf%99%e6%a0%b7%e7%9a%84%e6%83%85%e5%86%b5%e4%b8%8b%e7%b4%a2%e8%b5%94%ef%bc%8c%e4%b8%8d%e4%bc%9a%e6%89%a3-ncd%ef%bc%81\/#%E8%B0%83%E6%9F%A5%E8%AF%81%E5%AE%9E%E4%B8%8D%E6%98%AF%E8%BD%A6%E4%B8%BB%E7%96%8F%E5%BF%BD\" title=\"\u8c03\u67e5\u8bc1\u5b9e\u4e0d\u662f\u8f66\u4e3b\u758f\u5ffd\">\u8c03\u67e5\u8bc1\u5b9e\u4e0d\u662f\u8f66\u4e3b\u758f\u5ffd<\/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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%8e%9f%e6%9d%a5%e8%bf%99%e6%a0%b7%e7%9a%84%e6%83%85%e5%86%b5%e4%b8%8b%e7%b4%a2%e8%b5%94%ef%bc%8c%e4%b8%8d%e4%bc%9a%e6%89%a3-ncd%ef%bc%81\/#%E8%BD%A6%E9%95%9C%E4%BF%9D%E9%9A%9C\" title=\"\u8f66\u955c\u4fdd\u969c\">\u8f66\u955c\u4fdd\u969c<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E6%8F%90%E5%87%BA%E4%BA%92%E6%92%9E%E8%87%AA%E8%B5%94%EF%BC%88Own_Damage_Knock_for_Knock%EF%BC%89\"><\/span><strong>\u63d0\u51fa\u4e92\u649e\u81ea\u8d54\uff08Own Damage Knock for Knock\uff09<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5047\u8bbe\u610f\u5916\u53d1\u751f\uff0c\u60a8\u5e76\u4e0d\u662f\u9519\u7684\u4e00\u65b9\uff0c\u90a3\u4e48\u5c31\u53ef\u4ee5\u5728\u6301\u6709 1 \u53f7\u8f66\u9669\uff08\u7efc\u5408\u578b\u4fdd\u9669\uff09\u7684\u60c5\u51b5\u4e0b\uff0c\u63d0\u51fa\u4e92\u649e\u81ea\u8d54\u3002\u53ea\u9700\u8981\u5c06\u8f66\u5b50\u4ea4\u7ed9\u4fdd\u9669\u516c\u53f8\u8ba4\u53ef\u7684\u8f66\u5382\u7ef4\u4fee\uff0c\u7ef4\u4fee\u8d39\u5c31\u4f1a\u7531\u4fdd\u9669\u516c\u53f8\u627f\u62c5\u3002\u503c\u5f97\u4e00\u63d0\u7684\u662f\uff0c\u4e92\u649e\u81ea\u8d54\u7684\u7d22\u8d54\u8fc7\u7a0b\u6bd4\u8f83\u5feb\u3002<\/p>\n\n\n\n<p>\u4e0d\u8fc7\uff0c\u4e00\u5b9a\u8981\u7b26\u5408\u8fd9 3 \u4e2a\u6761\u4ef6\uff1a<\/p>\n\n\n\n<p>1. \u6301\u6709\u7efc\u5408\u578b\u4fdd\u9669<\/p>\n\n\n\n<p>2. \u4e0d\u6d89\u53ca\u4efb\u4f55\u4eba\u53d7\u4f24\u6216\u6b7b\u4ea1<\/p>\n\n\n\n<p>3. \u4e0d\u6d89\u53ca\u516c\u5171\u4ea4\u901a\u5de5\u5177\uff0c\u5982\uff1a\u5df4\u58eb\u3001\u7684\u58eb<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E8%B0%83%E6%9F%A5%E8%AF%81%E5%AE%9E%E4%B8%8D%E6%98%AF%E8%BD%A6%E4%B8%BB%E7%96%8F%E5%BF%BD\"><\/span><strong>\u8c03\u67e5\u8bc1\u5b9e\u4e0d\u662f\u8f66\u4e3b\u758f\u5ffd<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u53ea\u8981\u7ecf\u8fc7\u8b66\u65b9\u8c03\u67e5\u540e\uff0c\u786e\u8ba4\u4e0d\u662f\u60a8\u7684\u758f\u5ffd\u6240\u9020\u6210\u7684\u610f\u5916\uff0c\u90a3\u4e48\u60a8\u5728\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\u65f6\uff0cNCD \u5c31\u4e0d\u4f1a\u53d7\u5230\u5f71\u54cd\u3002\u800c\u4e14\uff0c\u4fdd\u9669\u516c\u53f8\u8fd8\u4f1a\u5e2e\u60a8\u4ece\u8087\u7978\u8f66\u4e3b\u7684\u4fdd\u9669\u516c\u53f8\u83b7\u53d6\u7b2c\u4e09\u65b9\u7d22\u8d54\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6495\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cermin-kereta-retak-ini-cara-anda-tuntut-insurans\/attachment\/211008_bjakblog_nurul_a9-01-01\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A9-01-01.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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=\"cermin retak boleh tuntut insurans-01-01\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A9-01-01.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A9-01-01.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A9-01-01.png?resize=1024%2C1024&#038;ssl=1\" alt=\"cermin retak boleh tuntut insurans\" class=\"wp-image-6495\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A9-01-01.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A9-01-01.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A9-01-01.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A9-01-01.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A9-01-01.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E8%BD%A6%E9%95%9C%E4%BF%9D%E9%9A%9C\"><\/span><strong>\u8f66\u955c\u4fdd\u969c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5982\u679c\u60a8\u6709\u7ed9\u8f66\u955c\u989d\u5916\u8d2d\u4e70\u4fdd\u9669\uff0c\u90a3\u4e48\u5982\u679c\u610f\u5916\u9020\u6210\u8f66\u955c\u635f\u574f\uff0c\u60a8\u5728\u63d0\u51fa\u7d22\u8d54\u65f6\uff0cNCD \u662f\u4e0d\u4f1a\u53d7\u5230\u5f71\u54cd\u3002\u4f46\uff0c\u5982\u679c\u8bf4\u60a8\u662f\u5728\u6ca1\u6709\u8f66\u955c\u4fdd\u969c\u4e0b\uff0c\u4e3a\u8f66\u955c\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54\uff0c\u90a3\u81ea\u7136\u5c31\u4f1a\u5f71\u54cd\u60a8\u7684 NCD \u4e86\u3002<\/p>\n\n\n\n<p>NCD \u5728\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669\u4e0a\u5e02\u975e\u5e38\u91cd\u8981\u7684\uff0c\u6240\u4ee5\u60f3\u8981\u66f4\u65b0\u8f66\u9669\u65f6\u5019\u66f4\u7701\u94b1\uff0c\u5c31\u4e00\u5b9a\u8981\u5c0f\u5fc3\u5f00\u8f66\uff0c\u4fdd\u6301\u826f\u597d\u7684\u884c\u9a76\u8bb0\u5f55\u54e6\uff01<\/p>\n\n\n\n<p>\u66f4\u65b0\u8f66\u9669\u548c\u8def\u7a0e\uff0c\u5f53\u7136\u662f\u9009\u62e9<strong><a href=\"https:\/\/bjak.my\/zh?utm_source=blogzh&amp;utm_campaign=article339\" target=\"_blank\" rel=\"noreferrer 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