{"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-6a09ae8e6813f\" 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-6a09ae8e6813f\"><\/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=\"BJAK Content Team\" \/>\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\/cara-kira-ncd-kereta-panduan-lengkap-tips#primaryimage\",\"url\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-64.jpg?fit=1600%2C1012&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-64.jpg?fit=1600%2C1012&ssl=1\",\"width\":1600,\"height\":1012,\"caption\":\"Cara Kira NCD Kereta: Panduan Lengkap & Tips\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips\",\"name\":\"Cara Kira NCD Kereta: Panduan Lengkap & Tips | BJAK\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#primaryimage\"},\"datePublished\":\"2025-09-25T14:09:34+00:00\",\"dateModified\":\"2025-10-30T07:31:22+00:00\",\"description\":\"BJAK | Read about: Cara Kira NCD Kereta: Panduan Lengkap & Tips Bagi Jimat Premium Dengan Semakan Tepat Di Bjak.\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cara Kira NCD Kereta: Panduan Lengkap &#038; Tips\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\"},\"headline\":\"Cara Kira NCD Kereta: Panduan Lengkap &#038; Tips\",\"datePublished\":\"2025-09-25T14:09:34+00:00\",\"dateModified\":\"2025-10-30T07:31:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#webpage\"},\"wordCount\":348,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-64.jpg?fit=1600%2C1012&ssl=1\",\"keywords\":[\"BM\",\"NCD\"],\"articleSection\":[\"Insurans Kereta\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\",\"name\":\"BJAK Content Team\",\"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\":\"BJAK Content Team\"},\"description\":\"BJAK Content Team creates engaging and informative content for BJAK, Southeast Asia's largest online insurance platform. They specialize in making insurance and financial services more accessible to Malaysians through clear, user-focused articles that help readers make confident decisions about their coverage options\",\"url\":\"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cara Kira NCD Kereta: Panduan Lengkap & Tips | BJAK","description":"BJAK | Read about: Cara Kira NCD Kereta: Panduan Lengkap & Tips Bagi Jimat Premium Dengan Semakan Tepat Di Bjak.","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\/cara-kira-ncd-kereta-panduan-lengkap-tips","og_locale":"en_US","og_type":"article","og_title":"Cara Kira NCD Kereta: Panduan Lengkap & Tips | BJAK","og_description":"BJAK | Read about: Cara Kira NCD Kereta: Panduan Lengkap & Tips Bagi Jimat Premium Dengan Semakan Tepat Di Bjak.","og_url":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2025-09-25T14:09:34+00:00","article_modified_time":"2025-10-30T07:31:22+00:00","og_image":[{"width":1600,"height":1012,"url":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-64.jpg?fit=1600%2C1012&ssl=1","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"BJAK Content Team","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\/cara-kira-ncd-kereta-panduan-lengkap-tips#primaryimage","url":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-64.jpg?fit=1600%2C1012&ssl=1","contentUrl":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-64.jpg?fit=1600%2C1012&ssl=1","width":1600,"height":1012,"caption":"Cara Kira NCD Kereta: Panduan Lengkap & Tips"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#webpage","url":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips","name":"Cara Kira NCD Kereta: Panduan Lengkap & Tips | BJAK","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#primaryimage"},"datePublished":"2025-09-25T14:09:34+00:00","dateModified":"2025-10-30T07:31:22+00:00","description":"BJAK | Read about: Cara Kira NCD Kereta: Panduan Lengkap & Tips Bagi Jimat Premium Dengan Semakan Tepat Di Bjak.","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Cara Kira NCD Kereta: Panduan Lengkap &#038; Tips"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8"},"headline":"Cara Kira NCD Kereta: Panduan Lengkap &#038; Tips","datePublished":"2025-09-25T14:09:34+00:00","dateModified":"2025-10-30T07:31:22+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#webpage"},"wordCount":348,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-ncd-kereta-panduan-lengkap-tips#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-64.jpg?fit=1600%2C1012&ssl=1","keywords":["BM","NCD"],"articleSection":["Insurans Kereta"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8","name":"BJAK Content Team","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":"BJAK Content Team"},"description":"BJAK Content Team creates engaging and informative content for BJAK, Southeast Asia's largest online insurance platform. They specialize in making insurance and financial services more accessible to Malaysians through clear, user-focused articles that help readers make confident decisions about their coverage options","url":"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-64.jpg?fit=1600%2C1012&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/51934"}],"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=51934"}],"version-history":[{"count":4,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/51934\/revisions"}],"predecessor-version":[{"id":51972,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/51934\/revisions\/51972"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/51970"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=51934"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=51934"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=51934"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}