{"id":51393,"date":"2026-06-13T21:15:00","date_gmt":"2026-06-13T13:15:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51393"},"modified":"2026-10-05T15:11:11","modified_gmt":"2026-10-05T07:11:11","slug":"cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta","title":{"rendered":"Cara Semak NCD (No Claim Discount) Sebelum Perbaharui Insurans Kereta"},"content":{"rendered":"\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-6ac3b2a93fecd\" 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-6ac3b2a93fecd\"><\/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\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/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\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#Apa_Itu_NCD\" title=\"Apa Itu NCD?\">Apa Itu NCD?<\/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\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#Cara_Semak_NCD_Kereta\" title=\"Cara Semak NCD Kereta\">Cara Semak NCD Kereta<\/a><\/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\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#Tips_Semak_NCD_Sebelum_Renew\" title=\"Tips Semak NCD Sebelum Renew\">Tips Semak NCD Sebelum Renew<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#1_Semak_NCD_sebelum_dapatkan_sebut_harga\" title=\"1. Semak NCD sebelum dapatkan sebut harga\">1. Semak NCD sebelum dapatkan sebut harga<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#2_Simpan_polisi_insurans_lama\" title=\"2. Simpan polisi insurans lama\">2. Simpan polisi insurans lama<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#3_Jangan_terus_anggap_NCD_sudah_betul\" title=\"3. Jangan terus anggap NCD sudah betul\">3. Jangan terus anggap NCD sudah betul<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#4_Bandingkan_harga_insurans\" title=\"4. Bandingkan harga insurans\">4. Bandingkan harga insurans<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#FAQ_Ringkas\" title=\"FAQ Ringkas\">FAQ Ringkas<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#1_Boleh_pindah_NCD_ke_syarikat_insurans_lain\" title=\"1. Boleh pindah NCD ke syarikat insurans lain?\">1. Boleh pindah NCD ke syarikat insurans lain?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#2_NCD_hilang_kalau_buat_tuntutan\" title=\"2. NCD hilang kalau buat tuntutan?\">2. NCD hilang kalau buat tuntutan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#3_Kalau_NCD_saya_sudah_55_boleh_naik_lagi\" title=\"3. Kalau NCD saya sudah 55%, boleh naik lagi?\">3. Kalau NCD saya sudah 55%, boleh naik lagi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#4_Macam_mana_kalau_saya_tak_pasti_berapa_NCD_saya\" title=\"4. Macam mana kalau saya tak pasti berapa NCD saya?\">4. Macam mana kalau saya tak pasti berapa NCD saya?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span>Pengenalan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD atau <strong>No Claim Discount<\/strong> ialah diskaun yang anda dapat apabila tidak membuat tuntutan insurans dalam tempoh polisi.<\/p>\n\n\n\n<p>Sebelum renew insurans kereta, penting untuk tahu berapa <strong>NCD yang anda layak dapat<\/strong>. Dengan cara ini, anda boleh semak sama ada diskaun sudah dikira dengan betul dan elak membayar lebih.<\/p>\n\n\n\n<p>Anda boleh <a href=\"https:\/\/bjak.my\/ms\/car-insurance\/ncd-checker\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>semak NCD kereta secara online<\/strong><\/a> atau dapatkan pengesahan daripada syarikat insurans.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_NCD\"><\/span>Apa Itu NCD?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD ialah diskaun yang diberikan kepada pemilik kereta yang tidak membuat tuntutan tertentu sepanjang tempoh perlindungan.<\/p>\n\n\n\n<p>Untuk kereta persendirian, kadar NCD meningkat mengikut tempoh tanpa tuntutan:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tempoh tanpa tuntutan<\/th><th>NCD<\/th><\/tr><\/thead><tbody><tr><td>0 tahun<\/td><td>0%<\/td><\/tr><tr><td>1 tahun<\/td><td>25%<\/td><\/tr><tr><td>2 tahun<\/td><td>30%<\/td><\/tr><tr><td>3 tahun<\/td><td>38.33%<\/td><\/tr><tr><td>4 tahun<\/td><td>45%<\/td><\/tr><tr><td>5 tahun dan ke atas<\/td><td>55%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Kadar maksimum NCD untuk kereta persendirian ialah <strong>55%<\/strong>. Ini bermaksud anda boleh mendapat diskaun sehingga 55% daripada premium asas yang layak.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Semak_NCD_Kereta\"><\/span>Cara Semak NCD Kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Kaedah<\/th><th>Cara semak<\/th><\/tr><\/thead><tbody><tr><td><strong>Hubungi syarikat insurans<\/strong><\/td><td>Telefon atau emel syarikat insurans untuk mendapatkan pengesahan NCD.<\/td><\/tr><tr><td><strong>Semak secara online<\/strong><\/td><td>Gunakan platform yang menyediakan semakan NCD ketika proses renew insurans.<\/td><\/tr><tr><td><strong>MyCarInfo (MCI)<\/strong><\/td><td>Gunakan <a href=\"https:\/\/www.mycarinfo.com.my\/NCDCheck\/Online\" target=\"_blank\" rel=\"noreferrer noopener\">MCI NCD Check<\/a> dan masukkan maklumat yang diperlukan.<\/td><\/tr><tr><td><strong>Polisi lama<\/strong><\/td><td>Semak dokumen polisi terdahulu kerana NCD biasanya dinyatakan dalam dokumen tersebut.<\/td><\/tr><tr><td><strong>Ejen insurans<\/strong><\/td><td>Jika menggunakan ejen, anda boleh minta mereka semak status NCD anda.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Anda juga boleh <a href=\"https:\/\/bjak.my\/ms\/car-insurance\/ncd-checker\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>semak NCD melalui BJAK<\/strong><\/a> sebelum mendapatkan sebut harga insurans.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"62569\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/attachment\/cara-semak-ncd1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/Cara-Semak-NCD1.webp?fit=1080%2C683&amp;ssl=1\" data-orig-size=\"1080,683\" 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=\"Cara-Semak-NCD1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/Cara-Semak-NCD1.webp?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/Cara-Semak-NCD1.webp?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/Cara-Semak-NCD1.webp?resize=1080%2C683&#038;ssl=1\" alt=\"\" class=\"wp-image-62569\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/Cara-Semak-NCD1.webp?w=1080&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/Cara-Semak-NCD1.webp?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/Cara-Semak-NCD1.webp?resize=768%2C486&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"62570\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/attachment\/cara-semak-ncd2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/Cara-Semak-NCD2.webp?fit=1080%2C683&amp;ssl=1\" data-orig-size=\"1080,683\" 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=\"Cara-Semak-NCD2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/Cara-Semak-NCD2.webp?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/Cara-Semak-NCD2.webp?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/Cara-Semak-NCD2.webp?resize=1080%2C683&#038;ssl=1\" alt=\"\" class=\"wp-image-62570\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/Cara-Semak-NCD2.webp?w=1080&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/Cara-Semak-NCD2.webp?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/Cara-Semak-NCD2.webp?resize=768%2C486&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=\"Tips_Semak_NCD_Sebelum_Renew\"><\/span>Tips Semak NCD Sebelum Renew<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Semak_NCD_sebelum_dapatkan_sebut_harga\"><\/span>1. Semak NCD sebelum dapatkan sebut harga<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pastikan anda tahu kadar NCD terlebih dahulu. Contohnya, jika anda sudah mencapai <strong>55%<\/strong>, pastikan kadar tersebut digunakan dalam pengiraan premium.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Simpan_polisi_insurans_lama\"><\/span>2. Simpan polisi insurans lama<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Polisi lama boleh membantu anda menyemak maklumat seperti NCD, nombor polisi dan butiran kenderaan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Jangan_terus_anggap_NCD_sudah_betul\"><\/span>3. Jangan terus anggap NCD sudah betul<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika jumlah NCD dalam sebut harga berbeza daripada rekod anda, hubungi syarikat insurans untuk mendapatkan pengesahan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Bandingkan_harga_insurans\"><\/span>4. Bandingkan harga insurans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Selepas tahu NCD, anda boleh bandingkan sebut harga daripada beberapa pilihan. Harga insurans motor boleh berbeza mengikut syarikat insurans, jenis perlindungan, nilai kenderaan dan faktor risiko lain.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ_Ringkas\"><\/span>FAQ Ringkas<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Boleh_pindah_NCD_ke_syarikat_insurans_lain\"><\/span>1. Boleh pindah NCD ke syarikat insurans lain?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ya, NCD boleh dipindahkan apabila anda membeli polisi baharu, tertakluk kepada syarat yang ditetapkan. NCD juga boleh dipindahkan ke kenderaan baharu yang didaftarkan atas nama pemegang polisi yang sama.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_NCD_hilang_kalau_buat_tuntutan\"><\/span>2. NCD hilang kalau buat tuntutan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Bergantung pada jenis tuntutan dan keadaan kemalangan. Contohnya, tuntutan kerosakan sendiri apabila anda bersalah boleh menyebabkan NCD hilang pada pembaharuan seterusnya. Sebaliknya, tuntutan <strong>Own Damage Knock-for-Knock (OD-KFK)<\/strong> dalam keadaan tertentu tidak menjejaskan NCD.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Kalau_NCD_saya_sudah_55_boleh_naik_lagi\"><\/span>3. Kalau NCD saya sudah 55%, boleh naik lagi?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tidak. <strong>55% ialah kadar maksimum NCD untuk kereta persendirian.<\/strong><\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Macam_mana_kalau_saya_tak_pasti_berapa_NCD_saya\"><\/span>4. Macam mana kalau saya tak pasti berapa NCD saya?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jangan agak-agak. Semak melalui platform semakan NCD, polisi lama atau terus hubungi syarikat insurans untuk mendapatkan pengesahan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span>Kesimpulan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Semak NCD sebelum renew insurans kereta supaya anda tahu diskaun yang sepatutnya diterima.<\/p>\n\n\n\n<p>Untuk kereta persendirian, NCD bermula daripada <strong>25% selepas tahun pertama tanpa tuntutan<\/strong> dan meningkat sehingga <strong>55% selepas lima tahun dan seterusnya<\/strong>.<\/p>\n\n\n\n<p>Sebelum renew, semak NCD, periksa butiran polisi lama dan bandingkan sebut harga yang sesuai dengan keperluan anda.<\/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-text-color has-background\" href=\"https:\/\/bjak.my\/ms\/car-insurance?utm_source=blog&amp;utm_campaign=cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\" style=\"background-color:#ffd103\"><strong>Dapatkan Sebutharga Percuma<\/strong><\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Pengenalan NCD atau No Claim Discount ialah diskaun yang anda dapat apabila tidak membuat tuntutan insurans dalam tempoh polisi. Sebelum renew insurans kereta, penting untuk tahu berapa NCD yang anda layak dapat. Dengan cara ini, anda boleh semak sama ada diskaun sudah dikira dengan betul dan elak membayar lebih. Anda boleh semak NCD kereta secara&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Cara Semak NCD (No Claim Discount) Sebelum Perbaharui Insurans Kereta<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":51415,"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":[26,424,2391],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cara Semak NCD (No Claim Discount) Sebelum Perbaharui Insurans Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Cara Semak NCD (No Claim Discount) Sebelum Perbaharui Insurans Kereta. 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