{"id":51397,"date":"2025-09-13T21:40:00","date_gmt":"2025-09-13T13:40:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51397"},"modified":"2025-10-29T18:30:32","modified_gmt":"2025-10-29T10:30:32","slug":"how-to-check-your-ncdno-claim-discount-before-renew-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/how-to-check-your-ncdno-claim-discount-before-renew-insurance","title":{"rendered":"How to Check Your NCD(No Claim Discount Before Renew Insurance"},"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-69d796b0be4a0\" 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-69d796b0be4a0\"><\/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\/how-to-check-your-ncdno-claim-discount-before-renew-insurance\/#Introduction\" title=\"Introduction\">Introduction<\/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\/car-insurance\/how-to-check-your-ncdno-claim-discount-before-renew-insurance\/#What%E2%80%99s_NCD\" title=\"What\u2019s NCD?\">What\u2019s 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\/car-insurance\/how-to-check-your-ncdno-claim-discount-before-renew-insurance\/#How_to_Check_Your_NCD\" title=\"How to Check Your NCD\">How to Check Your 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\/car-insurance\/how-to-check-your-ncdno-claim-discount-before-renew-insurance\/#Tips_to_Check_NCD_Properly\" title=\"Tips to Check NCD Properly\">Tips to Check NCD Properly<\/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\/how-to-check-your-ncdno-claim-discount-before-renew-insurance\/#Quick_FAQs\" title=\"Quick FAQs\">Quick FAQs<\/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\/car-insurance\/how-to-check-your-ncdno-claim-discount-before-renew-insurance\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD, or No Claim Discount, is basically a discount you get if you haven\u2019t made any claims during your policy period. Ever thought about how much you could save if you actually checked it before renewing your car insurance? Well, this guide shows <strong>how to check your NCD<\/strong> the right way \u2014 whether through your insurer, online platforms, or even MyCarInfo (MCI) at<a href=\"https:\/\/www.mycarinfo.com.my\/NCDCheck\/Online\"> https:\/\/www.mycarinfo.com.my\/NCDCheck\/Online<\/a>. Honestly, a few minutes now can save you a ton later.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What%E2%80%99s_NCD\"><\/span><strong>What\u2019s NCD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>A discount calculated as a percentage (%) off your original premium.<br><\/li><li>Depends on years without claims: 1 year \u2192 10%, 2 years \u2192 20%, and so on, up to the maximum.<br><\/li><li>No NCD \u2192 pay full premium.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_to_Check_Your_NCD\"><\/span><strong>How to Check Your 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>Method<\/strong><\/td><td><strong>Steps<\/strong><\/td><\/tr><tr><td><strong>Contact Your Insurer<\/strong><\/td><td>Call or email your insurance company and request NCD confirmation.<\/td><\/tr><tr><td><strong>Online Platforms<\/strong><\/td><td>Bjak, MyEG, Pos Malaysia sometimes show NCD info during online renewal.<\/td><\/tr><tr><td><strong>MyCarInfo (MCI)<\/strong><\/td><td>Visit<a href=\"https:\/\/www.mycarinfo.com.my\/NCDCheck\/Online\"> MCI NCD Check<\/a>, enter your car &amp; owner details, and see your current NCD.<\/td><\/tr><tr><td><strong>Old Policy \/ Documents<\/strong><\/td><td>Check previous policy documents; NCD is usually recorded there.<\/td><\/tr><tr><td><strong>Insurance Agent<\/strong><\/td><td>If using an agent, they can verify and inform you of your eligible discount.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51432\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-check-your-ncdno-claim-discount-before-renew-insurance\/attachment\/4-32\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-32.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=\"4-32\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-32.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-32.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-32.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic steps to check car insurance NCD before renewal.\" class=\"wp-image-51432\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-32.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-32.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-32.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-32.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-32.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=\"51433\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-check-your-ncdno-claim-discount-before-renew-insurance\/attachment\/5-16-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/5-16.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=\"5-16\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/5-16.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/5-16.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\/5-16.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Screenshot of MyCarInfo NCD check page highlighting the input fields and submit button.\" class=\"wp-image-51433\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/5-16.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/5-16.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/5-16.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/5-16.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/5-16.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_to_Check_NCD_Properly\"><\/span><strong>Tips to Check NCD Properly<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Make sure no claims were made last year<\/strong> \u2013 Any claims can lower your NCD.<br><\/li><li><strong>Keep old policy proof<\/strong> \u2013 Platforms may ask for previous info to verify.<br><\/li><li><strong>Check early<\/strong> \u2013 Don\u2019t wait till renewal day; mistakes can make you overpay.<br><\/li><li><strong>Compare prices with NCD<\/strong> \u2013 Once you know your discount, compare premiums on 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=\"Quick_FAQs\"><\/span><strong>Quick FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. Can NCD be transferred to another insurer?<\/strong><strong><br><\/strong> Yes, usually. But you\u2019ll need proof of the old policy and a confirmation letter from your previous insurer.<\/p>\n\n\n\n<p><strong>2. Will making a claim reduce NCD?<\/strong><strong><br><\/strong> Yes, your discount can drop depending on the insurer\u2019s policy, e.g., from 50% \u2192 25%.<\/p>\n\n\n\n<p><strong>3. What if I\u2019m unsure about my NCD?<\/strong><strong><br><\/strong> Use phone, online, MCI, or agent verification \u2014 don\u2019t just guess.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>So yeah, knowing <strong>how to check your NCD<\/strong> isn\u2019t just about saving money \u2014 it\u2019s about avoiding the headache of overpaying. Keep your old documents handy, peek at online platforms including MCI, and plan your renewal a bit early. Do that, and the whole process becomes way smoother \u2014 less stress, less chance of mistakes, and your wallet stays happier.<\/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=how-to-check-your-ncdno-claim-discount-before-renew-insurance\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/top-5-common-mistakes-when-buying-car-insurance-in-malaysia\">Top 5 Common Mistakes When Buying Car Insurance in Malaysia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/takaful-vs-conventional-insurance-which-once-should-you-choose\">Takaful vs Conventional Insurance: Which Once Should You Choose?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance-how-to-check-your-policy-online\">Car Insurance: How to Check Your Policy Online<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction NCD, or No Claim Discount, is basically a discount you get if you haven\u2019t made any claims during your policy period. Ever thought about how much you could save if you actually checked it before renewing your car insurance? Well, this guide shows how to check your NCD the right way \u2014 whether through&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-check-your-ncdno-claim-discount-before-renew-insurance\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">How to Check Your NCD(No Claim Discount Before Renew Insurance<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":51431,"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":[429,88,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Check Your NCD(No Claim Discount Before Renew Insurance | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: How to Check Your NCD(No Claim Discount Before Renew Insurance to Save Money and Avoid Overpaying.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-check-your-ncdno-claim-discount-before-renew-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Check Your NCD(No Claim Discount Before Renew Insurance | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: How to Check Your NCD(No Claim Discount Before Renew Insurance to Save Money and Avoid Overpaying.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-check-your-ncdno-claim-discount-before-renew-insurance\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-13T13:40:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:30:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/2-33.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"tariqsiregar@bjak.my\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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