{"id":51770,"date":"2025-09-23T22:13:50","date_gmt":"2025-09-23T14:13:50","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51770"},"modified":"2025-10-30T15:32:59","modified_gmt":"2025-10-30T07:32:59","slug":"fahami-ncd-no-claim-discount-dalam-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta","title":{"rendered":"Fahami NCD (No Claim Discount) Dalam Insurans Kereta"},"content":{"rendered":"\n<p>Bila sampai masa nak renew insurans kereta, ramai orang fokus pada premium asas dan jenis perlindungan. Tapi sebenarnya, ada satu faktor besar yang ramai terlepas pandang \u2014 iaitu <strong>NCD (No Claim Discount) dalam insurans kereta<\/strong>. Diskaun ni boleh buat bayaran jadi jauh lebih murah kalau kita tahu cara manfaatkan. Jadi, jom kita faham betul-betul apa benda NCD ni, macam mana ia dikira, dan kenapa ia penting untuk jangka panjang.<\/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-69d470387bc79\" 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-69d470387bc79\"><\/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\/fahami-ncd-no-claim-discount-dalam-insurans-kereta\/#Apa_Itu_NCD_dalam_Insurans_Kereta\" title=\"Apa Itu NCD dalam Insurans Kereta?\">Apa Itu NCD dalam Insurans Kereta?<\/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\/fahami-ncd-no-claim-discount-dalam-insurans-kereta\/#Berapa_Banyak_Diskaun_NCD_Boleh_Dapat\" title=\"Berapa Banyak Diskaun NCD Boleh Dapat?\">Berapa Banyak Diskaun NCD Boleh Dapat?<\/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\/fahami-ncd-no-claim-discount-dalam-insurans-kereta\/#Bagaimana_Nak_Pastikan_NCD_Kekal\" title=\"Bagaimana Nak Pastikan NCD Kekal?\">Bagaimana Nak Pastikan NCD Kekal?<\/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\/fahami-ncd-no-claim-discount-dalam-insurans-kereta\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_NCD_dalam_Insurans_Kereta\"><\/span><strong>Apa Itu NCD dalam Insurans Kereta?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara ringkas, NCD atau No Claim Discount adalah potongan harga premium insurans kereta yang diberikan jika pemandu tidak membuat sebarang tuntutan dalam tempoh setahun. Dengan kata lain, semakin lama kita memandu tanpa claim, semakin tinggi diskaun yang boleh dikumpul. NCD insurans kereta ni seolah-olah \u201cganjaran kesetiaan\u201d daripada syarikat insurans untuk pemandu yang berhati-hati.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapa_Banyak_Diskaun_NCD_Boleh_Dapat\"><\/span><strong>Berapa Banyak Diskaun NCD Boleh Dapat?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kadar NCD insurans kereta tak sama untuk semua, sebab ia ikut tahun tanpa tuntutan. Berikut contoh kadar yang biasanya digunapakai di Malaysia:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><tbody><tr><td><strong>Tahun Tanpa Tuntutan<\/strong><\/td><td><strong>Kadar NCD (Kereta Persendirian)<\/strong><\/td><\/tr><tr><td>Tahun 1<\/td><td>25%<\/td><\/tr><tr><td>Tahun 2<\/td><td>30%<\/td><\/tr><tr><td>Tahun 3<\/td><td>38.33%<\/td><\/tr><tr><td>Tahun 4<\/td><td>45%<\/td><\/tr><tr><td>Tahun 5 ke atas<\/td><td>55% (maksimum)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Bayangkan kalau premium asal RM2,000 \u2014 selepas 5 tahun tanpa tuntutan, anda hanya bayar RM900 lebih sahaja. Sebab itu ramai orang anggap NCD  insurans kereta sebagai \u201cpenjimatan senyap\u201d yang boleh bantu banyak pada bajet tahunan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_Nak_Pastikan_NCD_Kekal\"><\/span><strong>Bagaimana Nak Pastikan NCD Kekal?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ramai pemandu dah ada NCD tinggi, tapi bila buat satu tuntutan kecil, terus hilang semua. Jadi, penting untuk tahu cara nak kekalkan NCD dalam insurans kereta:<\/p>\n\n\n\n<ul><li><strong>Elakkan tuntutan kecil.<\/strong> Kadang-kadang kos baiki lebih rendah daripada nilai NCD yang hilang.<br><\/li><li><strong>Renew tepat pada masa.<\/strong> Kalau terlewat, ada risiko rekod terganggu.<br><\/li><li><strong>Semak NCD online.<\/strong> Platform macam MyEG atau Bjak mudahkan kita semak status terkini.<br><\/li><li><strong>Pastikan rekod bersih.<\/strong> Maklumat kenderaan dan polisi kena selaras untuk elakkan isu bila claim.<br><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51800\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta\/attachment\/3-53-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-53.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=\"3-53\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-53.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-53.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\/3-53.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"nfografik cara kekalkan NCD tinggi dengan ikon larangan, jam, komputer, dan dokumen.\" class=\"wp-image-51800\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-53.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-53.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-53.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-53.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-53.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Dengan langkah ni, peluang untuk maintain diskaun tinggi lebih terjamin.<\/p>\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>Pendek kata, <strong>NCD dalam insurans kereta<\/strong> bukan sekadar potongan biasa \u2014 ia sebenarnya ganjaran yang menggalakkan pemandu lebih berhemah di jalan raya. Lagi lama kita jaga rekod tanpa claim, lagi besar penjimatan yang masuk ke poket sendiri. Jadi, bila tiba masa renew polisi, jangan pandang ringan bab NCD ni. Ingat, fahami NCD insurans kereta sekarang, supaya anda boleh nikmati manfaatnya untuk tahun-tahun akan datang.<\/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=fahami-ncd-no-claim-discount-dalam-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\/perbandingan-insurans-kereta-komprehensif-vs-pihak-ketiga\">Perbandingan Insurans Kereta Komprehensif vs Pihak Ketiga<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/5-kesilapan-umum-ketika-memperbaharui-insurans-kereta\">5 Kesilapan Umum Ketika Memperbaharui Insurans Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/perlindungan-insurans-kereta-daripada-banjir\">Perlindungan Insurans Kereta Daripada Banjir<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bila sampai masa nak renew insurans kereta, ramai orang fokus pada premium asas dan jenis perlindungan. Tapi sebenarnya, ada satu faktor besar yang ramai terlepas pandang \u2014 iaitu NCD (No Claim Discount) dalam insurans kereta. Diskaun ni boleh buat bayaran jadi jauh lebih murah kalau kita tahu cara manfaatkan. Jadi, jom kita faham betul-betul apa&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Fahami NCD (No Claim Discount) Dalam Insurans Kereta<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":51799,"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":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fahami NCD (No Claim Discount) Dalam Insurans Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Fahami NCD (No Claim Discount) Dalam Insurans Kereta Cara Kira, Kadar Diskaun &amp; Tip Untuk Kekalkan Penjimatan.\" \/>\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\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fahami NCD (No Claim Discount) Dalam Insurans Kereta | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Fahami NCD (No Claim Discount) Dalam Insurans Kereta Cara Kira, Kadar Diskaun &amp; Tip Untuk Kekalkan Penjimatan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta\" \/>\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=\"2025-09-23T14:13:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T07:32:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-52.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=\"2 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! Fastest way to renew in Malaysia!\",\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bjak.my\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#primaryimage\",\"url\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-52.jpg?fit=1600%2C1012&ssl=1\",\"contentUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-52.jpg?fit=1600%2C1012&ssl=1\",\"width\":1600,\"height\":1012,\"caption\":\"Fahami NCD (No Claim Discount) Dalam Insurans Kereta\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta\",\"name\":\"Fahami NCD (No Claim Discount) Dalam Insurans Kereta | BJAK\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#primaryimage\"},\"datePublished\":\"2025-09-23T14:13:50+00:00\",\"dateModified\":\"2025-10-30T07:32:59+00:00\",\"description\":\"BJAK | Read about: Fahami NCD (No Claim Discount) Dalam Insurans Kereta Cara Kira, Kadar Diskaun & Tip Untuk Kekalkan Penjimatan.\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Fahami NCD (No Claim Discount) Dalam Insurans Kereta\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\"},\"headline\":\"Fahami NCD (No Claim Discount) Dalam Insurans Kereta\",\"datePublished\":\"2025-09-23T14:13:50+00:00\",\"dateModified\":\"2025-10-30T07:32:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#webpage\"},\"wordCount\":389,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-52.jpg?fit=1600%2C1012&ssl=1\",\"articleSection\":[\"Insurans Kereta\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\",\"name\":\"tariqsiregar@bjak.my\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g\",\"caption\":\"tariqsiregar@bjak.my\"},\"url\":\"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Fahami NCD (No Claim Discount) Dalam Insurans Kereta | BJAK","description":"BJAK | Read about: Fahami NCD (No Claim Discount) Dalam Insurans Kereta Cara Kira, Kadar Diskaun & Tip Untuk Kekalkan Penjimatan.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta","og_locale":"en_US","og_type":"article","og_title":"Fahami NCD (No Claim Discount) Dalam Insurans Kereta | BJAK","og_description":"BJAK | Read about: Fahami NCD (No Claim Discount) Dalam Insurans Kereta Cara Kira, Kadar Diskaun & Tip Untuk Kekalkan Penjimatan.","og_url":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2025-09-23T14:13:50+00:00","article_modified_time":"2025-10-30T07:32:59+00:00","og_image":[{"width":1600,"height":1012,"url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-52.jpg?fit=1600%2C1012&ssl=1","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"tariqsiregar@bjak.my","Est. reading time":"2 minutes"},"schema":{"@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! Fastest way to renew in Malaysia!","publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bjak.my\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#primaryimage","url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-52.jpg?fit=1600%2C1012&ssl=1","contentUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-52.jpg?fit=1600%2C1012&ssl=1","width":1600,"height":1012,"caption":"Fahami NCD (No Claim Discount) Dalam Insurans Kereta"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#webpage","url":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta","name":"Fahami NCD (No Claim Discount) Dalam Insurans Kereta | BJAK","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#primaryimage"},"datePublished":"2025-09-23T14:13:50+00:00","dateModified":"2025-10-30T07:32:59+00:00","description":"BJAK | Read about: Fahami NCD (No Claim Discount) Dalam Insurans Kereta Cara Kira, Kadar Diskaun & Tip Untuk Kekalkan Penjimatan.","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Fahami NCD (No Claim Discount) Dalam Insurans Kereta"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8"},"headline":"Fahami NCD (No Claim Discount) Dalam Insurans Kereta","datePublished":"2025-09-23T14:13:50+00:00","dateModified":"2025-10-30T07:32:59+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#webpage"},"wordCount":389,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-ncd-no-claim-discount-dalam-insurans-kereta#primaryimage"},"thumbnailUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-52.jpg?fit=1600%2C1012&ssl=1","articleSection":["Insurans Kereta"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8","name":"tariqsiregar@bjak.my","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g","caption":"tariqsiregar@bjak.my"},"url":"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my"}]}},"jetpack_featured_media_url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-52.jpg?fit=1600%2C1012&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/51770"}],"collection":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=51770"}],"version-history":[{"count":4,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/51770\/revisions"}],"predecessor-version":[{"id":51801,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/51770\/revisions\/51801"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/51799"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=51770"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=51770"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=51770"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}