{"id":51934,"date":"2025-09-25T22:09:34","date_gmt":"2025-09-25T14:09:34","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51934"},"modified":"2025-10-30T15:31:22","modified_gmt":"2025-10-30T07:31:22","slug":"cara-kira-ncd-kereta-panduan-lengkap-tips","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips","title":{"rendered":"Cara Kira NCD Kereta: Panduan Lengkap &#038; Tips"},"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-69d45cd88b383\" 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-69d45cd88b383\"><\/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-kira-ncd-kereta-panduan-lengkap-tips\/#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-kira-ncd-kereta-panduan-lengkap-tips\/#1_Apa_Itu_NCD\" title=\"1. Apa Itu NCD?\">1. 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-kira-ncd-kereta-panduan-lengkap-tips\/#2_Skala_NCD_Mengikut_Tahun\" title=\"2. Skala NCD Mengikut Tahun\">2. Skala NCD Mengikut Tahun<\/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-kira-ncd-kereta-panduan-lengkap-tips\/#3_Cara_Kira_NCD\" title=\"3. Cara Kira NCD\">3. Cara Kira NCD<\/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-kira-ncd-kereta-panduan-lengkap-tips\/#4_Situasi_NCD_Tidak_Dikemaskini_Terkunci\" title=\"4. Situasi NCD Tidak Dikemaskini \/ Terkunci\">4. Situasi NCD Tidak Dikemaskini \/ Terkunci<\/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-kira-ncd-kereta-panduan-lengkap-tips\/#5_Tips_Penting_Berkaitan_NCD\" title=\"5. Tips Penting Berkaitan NCD\">5. Tips Penting Berkaitan NCD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips\/#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>Mengetahui <strong>cara kira NCD kereta<\/strong> adalah penting bagi setiap pemandu yang mahu <strong>jimat premium insurans<\/strong>. NCD (No Claim Discount) memberikan diskaun kepada pemandu tanpa tuntutan, dan dengan memahami cara kira, anda boleh lihat <strong>berapa banyak yang boleh dijimatkan<\/strong> setiap kali renew insurans. Artikel ini akan terangkan langkah-langkah kira NCD, contoh praktikal, serta tip untuk elak masalah rekod.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Apa_Itu_NCD\"><\/span><strong>1. Apa Itu NCD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Diskaun yang diberikan oleh syarikat insurans kepada pemandu tanpa tuntutan.<br><\/li><li>Standard di Malaysia sehingga <strong>55%<\/strong> selepas 5 tahun tanpa tuntutan.<br><\/li><li>Ditetapkan oleh <strong>Bank Negara<\/strong>, sama untuk semua syarikat insurans.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Skala_NCD_Mengikut_Tahun\"><\/span><strong>2. Skala NCD Mengikut Tahun<\/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>Tahun Tanpa Tuntutan<\/strong><\/td><td><strong>Peratus Diskaun<\/strong><\/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 &amp; Ke Atas<\/td><td>55% (maksimum)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Cara_Kira_NCD\"><\/span><strong>3. Cara Kira NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Formula mudah:<\/p>\n\n\n\n<p><strong>Premium Asas \u2013 (NCD % \u00d7 Premium Asas) = Premium Selepas Diskaun<\/strong><\/p>\n\n\n\n<p><strong>Contoh 1:<\/strong><\/p>\n\n\n\n<ul><li>Premium Asas: RM2,000<br><\/li><li>Tahun 3 (38.33% NCD)<br><\/li><li>Premium Selepas Diskaun = RM2,000 \u2013 (0.3833 \u00d7 RM2,000) = <strong>RM1,233.40<\/strong><strong><br><\/strong><\/li><\/ul>\n\n\n\n<p><strong>Contoh 2:<\/strong><\/p>\n\n\n\n<ul><li>Honda Civic, Premium Asas RM3,000<br><\/li><li>Tahun 5 (55% NCD)<br><\/li><li>Premium Selepas Diskaun = RM3,000 \u2013 (0.55 \u00d7 RM3,000) = <strong>RM1,350<\/strong><strong><br><\/strong><\/li><\/ul>\n\n\n\n<p>Ini membolehkan pemandu lihat secara jelas <strong>berapa banyak mereka boleh jimat setiap tahun<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51971\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips\/attachment\/3-66\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-66.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=\"3-66\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-66.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-66.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\/3-66.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan perbezaan premium dengan atau tanpa tuntutan menggunakan NCD dalam insurans kereta.\" class=\"wp-image-51971\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-66.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-66.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-66.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-66.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-66.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<h2><span class=\"ez-toc-section\" id=\"4_Situasi_NCD_Tidak_Dikemaskini_Terkunci\"><\/span><strong>4. Situasi NCD Tidak Dikemaskini \/ Terkunci<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>NCD Tidak Refleks dalam ISM<\/strong> \u2013 Kadang lepas pindah kereta, database Insurance Services Malaysia (ISM) lambat update.<br><\/li><li><strong>Polisi Lama Tidak Dikeluarkan<\/strong> \u2013 Syarikat insurans lama belum key-in rekod NCD.<br><\/li><li><strong>NCD Terkunci<\/strong> \u2013 Berlaku jika ada overlap polisi atau tuntutan sedang disiasat.<br><\/li><li><strong>Claim Dispute<\/strong> \u2013 Tuntutan belum selesai boleh menahan NCD.<br><\/li><\/ol>\n\n\n\n<p><strong>Penyelesaian:<\/strong><\/p>\n\n\n\n<ul><li>Semak NCD secara online atau melalui Bjak.<br><\/li><li>Hubungi syarikat insurans untuk kemaskini manual.<br><\/li><li>Quotation di Bjak akan ambil kira NCD sebenar bila rekod telah dikemas kini.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Tips_Penting_Berkaitan_NCD\"><\/span><strong>5. Tips Penting Berkaitan NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Jangan buat tuntutan kecil jika kos &lt; penjimatan NCD.<br><\/li><li>Pilih add-on seperti windscreen atau perlindungan bencana alam (tidak ganggu NCD).<br><\/li><li>NCD boleh dipindah ke kereta baharu atas nama anda.<br><\/li><\/ul>\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>Memahami <strong>cara kira NCD kereta<\/strong> membolehkan pemandu memaksimakan penjimatan setiap kali renew insurans. Dengan tip praktikal dan panduan semak rekod, anda boleh elak isu seperti NCD tidak dikemaskini atau terkunci. Gunakan platform seperti <strong>Bjak<\/strong> untuk semak premium terkini kerana sistem secara automatik akan kira NCD sebenar 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?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=insuran-kereta-ambank-perbaharui-insurans-dengan-pelan-terbaikcara-kira-ncd-kereta-panduan-lengkap--tips\" 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\/pengalaman-memperbaharui-insurans-kereta-secara-online\">Pengalaman Memperbaharui Insurans Kereta Secara Online<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-mengira-nilai-pasaran-kereta-sebelum-memilih-jumlah-perlindungan\">Mengira Nilai Pasaran Kereta Sebelum Memilih Perlindungan<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/langkah-memilih-perlindungan-tambahan-insurans-kereta\">Langkah Memilih Perlindungan Tambahan Insurans Kereta<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> \u201cNCD dalam insurans kereta: Apa itu, cara kira, dan tip elak masalah rekod. Jimat premium dengan semakan tepat di Bjak.\u201d<\/p>\n","protected":false},"author":31,"featured_media":51970,"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],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cara Kira NCD Kereta: Panduan Lengkap &amp; Tips | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Cara Kira NCD Kereta: Panduan Lengkap &amp; Tips Bagi Jimat Premium Dengan Semakan Tepat Di Bjak.\" \/>\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\/cara-kira-ncd-kereta-panduan-lengkap-tips\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cara Kira NCD Kereta: Panduan Lengkap &amp; Tips | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Cara Kira NCD Kereta: Panduan Lengkap &amp; Tips Bagi Jimat Premium Dengan Semakan Tepat Di Bjak.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips\" \/>\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=\"2025-09-25T14:09:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T07:31:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-64.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! 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