{"id":51774,"date":"2025-09-23T23:03:29","date_gmt":"2025-09-23T15:03:29","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51774"},"modified":"2025-10-29T18:30:28","modified_gmt":"2025-10-29T10:30:28","slug":"understanding-ncd-no-claim-discount-in-car-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/understanding-ncd-no-claim-discount-in-car-insurance","title":{"rendered":"Understanding NCD (No Claim Discount) In Car Insurance"},"content":{"rendered":"\n<p>When it\u2019s time to renew, a lot of drivers just look at the premium and maybe the coverage type, then call it a day. But here\u2019s the thing: there\u2019s another factor that can seriously cut down what you pay \u2014 <strong>NCD in car insurance<\/strong>. It\u2019s not some hidden trick, but many still overlook it. If you stick around, you\u2019ll see how it works, how much you can save, and why it matters more than people think.<\/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-69d74d95b9f2b\" 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-69d74d95b9f2b\"><\/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\/understanding-ncd-no-claim-discount-in-car-insurance\/#What_Is_NCD_in_Car_Insurance\" title=\"What Is NCD in Car Insurance?\">What Is NCD in Car Insurance?<\/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\/understanding-ncd-no-claim-discount-in-car-insurance\/#How_Much_Discount_Can_You_Get\" title=\"How Much Discount Can You Get?\">How Much Discount Can You Get?<\/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\/understanding-ncd-no-claim-discount-in-car-insurance\/#How_to_Keep_Your_NCD_Intact\" title=\"How to Keep Your NCD Intact\">How to Keep Your NCD Intact<\/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\/understanding-ncd-no-claim-discount-in-car-insurance\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_NCD_in_Car_Insurance\"><\/span><strong>What Is NCD in Car Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Basically, No Claim Discount (NCD) is like a thank-you reward from your insurer. If you go a full year without making a claim, you\u2019ll get a percentage discount the next time you renew. Keep driving without claims and that discount keeps growing. So when people say <strong>NCD in car insurance<\/strong>, they\u2019re really talking about a built-in reward system for safe and claim-free driving.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_Much_Discount_Can_You_Get\"><\/span><strong>How Much Discount Can You Get?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The rates don\u2019t jump all at once; they climb bit by bit every year. Here\u2019s what it usually looks like in 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>Claim-Free Years<\/strong><\/td><td><strong>NCD Rate (Private Cars)<\/strong><\/td><\/tr><tr><td>Year 1<\/td><td>25%<\/td><\/tr><tr><td>Year 2<\/td><td>30%<\/td><\/tr><tr><td>Year 3<\/td><td>38.33%<\/td><\/tr><tr><td>Year 4<\/td><td>45%<\/td><\/tr><tr><td>Year 5+<\/td><td>55% (maximum)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>To put it in perspective, if your premium is RM2,000 and you\u2019ve managed five years without claims, you\u2019re only paying around RM900. That\u2019s a big difference. And this is why many call <strong>NCD in car insurance<\/strong> the \u201cquiet saver\u201d \u2014 it\u2019s not flashy, but it works.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_to_Keep_Your_NCD_Intact\"><\/span><strong>How to Keep Your NCD Intact<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Now here\u2019s where some drivers slip up. You might already have a high NCD, but one small claim can reset the whole thing. That\u2019s painful. So, a few things worth keeping in mind:<\/p>\n\n\n\n<p>First, think twice before making a small claim. If the repair costs are less than the discount you\u2019d lose, you\u2019re better off paying out of pocket. Second, renew your policy on time. Sounds simple, but if you miss it, your record can get messy. Third, check your NCD status online \u2014 platforms like MyEG or Bjak make it easy. And finally, keep your details accurate. Wrong info in your records can cause issues down the line.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51818\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-ncd-no-claim-discount-in-car-insurance\/attachment\/4-53-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-53.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=\"4-53\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-53.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-53.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\/4-53.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing tips to keep NCD high with icons of prohibition, clock, computer, and document.\" class=\"wp-image-51818\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-53.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-53.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-53.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-53.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-53.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=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>So here\u2019s the bottom line: <strong>NCD in car insurance<\/strong> is more than just a line on your policy. It\u2019s money back in your pocket for being careful on the road. The longer you stay claim-free, the higher the reward. Next time you renew, don\u2019t ignore it. Understanding <strong>NCD in car insurance<\/strong> now means saving more every year without really doing anything extra \u2014 other than driving smart.<\/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=understanding-ncd-no-claim-discount-in-car-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\/comprehensive-vs-third-party-car-insurance-which-one-to-pick\">Comprehensive vs Third Party Car Insurance: Which One to Pick?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/5-common-mistakes-when-renewing-car-insurance\">5 Common Car Insurance Renewal Mistakes<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-car-insurance-protect-against-flood-damage\">How Car Insurance Protect Against Flood Damage<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it\u2019s time to renew, a lot of drivers just look at the premium and maybe the coverage type, then call it a day. But here\u2019s the thing: there\u2019s another factor that can seriously cut down what you pay \u2014 NCD in car insurance. It\u2019s not some hidden trick, but many still overlook it. If&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/car-insurance\/understanding-ncd-no-claim-discount-in-car-insurance\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Understanding NCD (No Claim Discount) In Car Insurance<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":51817,"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":[429,59,88,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding NCD (No Claim Discount) In Car Insurance | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Understanding NCD (No Claim Discount) In Car Insurance. 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