{"id":51393,"date":"2025-09-13T21:15:00","date_gmt":"2025-09-13T13:15:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51393"},"modified":"2025-10-30T23:41:16","modified_gmt":"2025-10-30T15:41:16","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-69d444f7acec7\" 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-69d444f7acec7\"><\/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\" title=\"Cara Semak NCD\">Cara Semak NCD<\/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_Dengan_Betul\" title=\"Tips Semak NCD Dengan Betul\">Tips Semak NCD Dengan Betul<\/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\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/#FAQ_Ringkas\" title=\"FAQ Ringkas\">FAQ Ringkas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><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\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD atau No Claim Discount ialah diskaun yang diberi kalau anda tidak buat sebarang tuntutan sepanjang tempoh polisi. Tahu tak, kalau anda tahu <strong>cara semak NCD<\/strong> sebelum perbaharui insurans kereta, boleh jimat premium dan elak bayar lebih. Selain hubungi syarikat insurans, anda juga boleh semak secara online melalui MyCarInfo (MCI) di<a href=\"https:\/\/www.mycarinfo.com.my\/NCDCheck\/Online\"> https:\/\/www.mycarinfo.com.my\/NCDCheck\/Online<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_NCD\"><\/span><strong>Apa Itu NCD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Diskaun yang dikira dalam peratus (%) daripada premium asal.<br><\/li><li>Bergantung pada bilangan tahun tanpa tuntutan: 1 tahun \u2192 10%, 2 tahun \u2192 20%, dan seterusnya hingga maksimum.<br><\/li><li>Tiada NCD \u2192 bayar premium penuh.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Semak_NCD\"><\/span><strong>Cara Semak NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><tbody><tr><td><strong>Kaedah<\/strong><\/td><td><strong>Langkah<\/strong><\/td><\/tr><tr><td><strong>Hubungi Insurer<\/strong><\/td><td>Telefon \/ emel syarikat insurans anda &amp; minta pengesahan NCD.<\/td><\/tr><tr><td><strong>Platform Online<\/strong><\/td><td>Bjak, MyEG atau Pos Malaysia kadang-kadang sediakan info NCD semasa renew online.<\/td><\/tr><tr><td><strong>MyCarInfo (MCI)<\/strong><\/td><td>Lawati<a href=\"https:\/\/www.mycarinfo.com.my\/NCDCheck\/Online\"> MCI NCD Check<\/a>, masukkan detail kereta &amp; pemilik, dan lihat NCD anda.<\/td><\/tr><tr><td><strong>Polisi Lama \/ Dokumen<\/strong><\/td><td>Semak dokumen polisi terdahulu; biasanya ada rekod NCD.<\/td><\/tr><tr><td><strong>Ejen Insurans<\/strong><\/td><td>Kalau guna ejen, mereka boleh semak &amp; inform jumlah diskaun yang layak.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51416\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/attachment\/3-34-3\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-34.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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;1&quot;}\" data-image-title=\"3-34\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-34.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-34.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-34.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik langkah semak NCD insurans kereta sebelum perbaharui polisi.\n\" class=\"wp-image-51416\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-34.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-34.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-34.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-34.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-34.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51417\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\/attachment\/6-15-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-15.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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;1&quot;}\" data-image-title=\"6-15\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-15.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-15.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-15.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Tangkapan skrin halaman semak NCD MyCarInfo dengan medan dan butang diserlahkan.\" class=\"wp-image-51417\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-15.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-15.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-15.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-15.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-15.jpg?w=1600&amp;ssl=1 1600w\" 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_Dengan_Betul\"><\/span><strong>Tips Semak NCD Dengan Betul<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Pastikan tiada tuntutan tahun lepas<\/strong> \u2013 Sebarang claim boleh turunkan NCD.<br><\/li><li><strong>Simpan bukti polisi lama<\/strong> \u2013 Kadang platform minta info lama untuk verify.<br><\/li><li><strong>Semak lebih awal<\/strong> \u2013 Jangan tunggu hari renew; kesilapan boleh buat anda bayar lebih.<br><\/li><li><strong>Banding harga dengan NCD<\/strong> \u2013 Setelah tahu NCD, bandingkan premium di Bjak, MyEG, Pos Malaysia.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ_Ringkas\"><\/span><strong>FAQ Ringkas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. Boleh pindah NCD ke syarikat lain?<\/strong><strong><br><\/strong> Ya, biasanya boleh, tapi kena ada bukti polisi lama &amp; surat pengesahan daripada insurer lama.<\/p>\n\n\n\n<p><strong>2. NCD hilang kalau buat claim?<\/strong><strong><br><\/strong> Ya, jumlah NCD boleh turun ikut polisi syarikat, contoh dari 50% \u2192 25%.<\/p>\n\n\n\n<p><strong>3. Macam mana kalau tak pasti NCD saya?<\/strong><strong><br><\/strong> Gunakan telefon \/ online \/ MCI \/ ejen untuk pengesahan. Jangan anggap sahaja.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Semak NCD sebelum renew memang penting \u2014 bukan saja jimat duit, tapi juga elak risiko bayar lebih. Kalau ikut <strong>cara semak NCD<\/strong> yang betul, sediakan dokumen lama, semak platform online termasuk MCI, dan plan renew awal, semuanya boleh berjalan lancar tanpa stress.<\/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?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=cara-semak-ncd-no-claim-discount-sebelum-perbaharui-insurans-kereta\" style=\"background-color:#ffd103\">Dapatkan Sebut Harga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca Juga:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/7-taktik-penipu-insurans-kereta-yang-ramai-tak-sedar\">7 Taktik Penipu Insurans Kereta yang Ramai Tak Sedar<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/jimat-kos-roadtax-insurans-kereta-anda-sehingga-rm500\">Jimat Kos Roadtax &amp; Insurans Kereta Anda sehingga RM500!<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax-digital-panduan-lengkap-renew-online\">Roadtax Digital: Panduan Lengkap Renew Online<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pengenalan NCD atau No Claim Discount ialah diskaun yang diberi kalau anda tidak buat sebarang tuntutan sepanjang tempoh polisi. Tahu tak, kalau anda tahu cara semak NCD sebelum perbaharui insurans kereta, boleh jimat premium dan elak bayar lebih. Selain hubungi syarikat insurans, anda juga boleh semak secara online melalui MyCarInfo (MCI) di https:\/\/www.mycarinfo.com.my\/NCDCheck\/Online. Apa Itu&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 | Read about: Cara Semak NCD (No Claim Discount) Sebelum Perbaharui Insurans Kereta. 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