{"id":51940,"date":"2025-09-25T22:14:26","date_gmt":"2025-09-25T14:14:26","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51940"},"modified":"2025-10-29T18:30:26","modified_gmt":"2025-10-29T10:30:26","slug":"how-to-calculate-car-ncd-complete-guide-tips","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/how-to-calculate-car-ncd-complete-guide-tips","title":{"rendered":"How To Calculate Car NCD: Complete Guide &#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-6a09a87bbaab4\" 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-6a09a87bbaab4\"><\/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-calculate-car-ncd-complete-guide-tips\/#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-calculate-car-ncd-complete-guide-tips\/#1_What_is_NCD\" title=\"1. What is NCD?\">1. What is 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-calculate-car-ncd-complete-guide-tips\/#2_NCD_Scale_by_Year\" title=\"2. NCD Scale by Year\">2. NCD Scale by Year<\/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-calculate-car-ncd-complete-guide-tips\/#3_How_to_Calculate_NCD\" title=\"3. How to Calculate NCD\">3. How to Calculate 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\/car-insurance\/how-to-calculate-car-ncd-complete-guide-tips\/#4_Situations_Where_NCD_May_Be_Stuck_or_Not_Updated\" title=\"4. Situations Where NCD May Be Stuck or Not Updated\">4. Situations Where NCD May Be Stuck or Not Updated<\/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-calculate-car-ncd-complete-guide-tips\/#5_Key_Tips_Related_to_NCD\" title=\"5. Key Tips Related to NCD\">5. Key Tips Related to 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\/car-insurance\/how-to-calculate-car-ncd-complete-guide-tips\/#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>Figuring out <strong>how to calculate car NCD<\/strong> (No Claim Discount) can make a big difference when renewing insurance. If you\u2019ve gone claim-free, you get a discount\u2014but knowing <strong>how it\u2019s calculated<\/strong> helps you see just how much you\u2019re really saving. This guide explains the steps to calculate NCD, provides practical examples, and shares tips to avoid common record issues.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_What_is_NCD\"><\/span><strong>1. What is NCD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>NCD (No Claim Discount) is a discount given to drivers who do not make any claims during their policy period.<br><\/li><li>In Malaysia, the maximum NCD is <strong>55%<\/strong> after 5 consecutive claim-free years.<br><\/li><li>Standardized by <strong>Bank Negara<\/strong>, it applies to all insurers equally.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_NCD_Scale_by_Year\"><\/span><strong>2. NCD Scale by Year<\/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>Claim-Free Years<\/strong><\/td><td><strong>Discount %<\/strong><\/td><\/tr><tr><td>1 Year<\/td><td>25%<\/td><\/tr><tr><td>2 Years<\/td><td>30%<\/td><\/tr><tr><td>3 Years<\/td><td>38.33%<\/td><\/tr><tr><td>4 Years<\/td><td>45%<\/td><\/tr><tr><td>5 Years &amp; Above<\/td><td>55% (max)<\/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_How_to_Calculate_NCD\"><\/span><strong>3. How to Calculate NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Formula:<\/p>\n\n\n\n<p><strong>Base Premium \u2013 (NCD % \u00d7 Base Premium) = Premium After Discount<\/strong><\/p>\n\n\n\n<p><strong>Example 1:<\/strong><\/p>\n\n\n\n<ul><li>Base Premium: RM2,000<br><\/li><li>Year 3 (38.33% NCD)<br><\/li><li>Premium After Discount = RM2,000 \u2013 (0.3833 \u00d7 RM2,000) = <strong>RM1,233.40<\/strong><strong><br><\/strong><\/li><\/ul>\n\n\n\n<p><strong>Example 2:<\/strong><\/p>\n\n\n\n<ul><li>Honda Civic, Base Premium RM3,000<br><\/li><li>Year 5 (55% NCD)<br><\/li><li>Premium After Discount = RM3,000 \u2013 (0.55 \u00d7 RM3,000) = <strong>RM1,350<\/strong><strong><br><\/strong><\/li><\/ul>\n\n\n\n<p>This helps drivers clearly <strong>see how much they can save each year<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51974\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-calculate-car-ncd-complete-guide-tips\/attachment\/4-65\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-65.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=\"4-65\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-65.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-65.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\/4-65.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing the difference in premiums with or without claims using car NCD.\n\" class=\"wp-image-51974\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-65.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-65.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-65.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-65.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-65.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_Situations_Where_NCD_May_Be_Stuck_or_Not_Updated\"><\/span><strong>4. Situations Where NCD May Be Stuck or Not Updated<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>NCD not reflected in ISM<\/strong> \u2013 delays may occur when transferring NCD to a new car.<br><\/li><li><strong>Old policy not updated by previous insurer<\/strong> \u2013 new insurer may not have the correct record.<br><\/li><li><strong>NCD locked<\/strong> \u2013 overlapping policies or ongoing claim investigations can block NCD.<br><\/li><li><strong>Claim dispute<\/strong> \u2013 unsettled claims may temporarily prevent NCD from applying.<br><\/li><\/ol>\n\n\n\n<p><strong>Solutions:<\/strong><\/p>\n\n\n\n<ul><li>Check NCD via <strong>Bjak<\/strong> or <strong>JPJ<\/strong>.<br><\/li><li>Contact your insurer for manual updates.<br><\/li><li>Bjak quotations reflect the correct NCD once records are updated.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Key_Tips_Related_to_NCD\"><\/span><strong>5. Key Tips Related to NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Avoid claiming for small damages if repair cost &lt; NCD savings.<br><\/li><li>Add-ons like windscreen or natural disaster coverage <strong>do not affect NCD<\/strong>.<br><\/li><li>NCD can be transferred to a new car under your name.<br><\/li><\/ul>\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>Understanding <strong>how to calculate car NCD<\/strong> is the easiest way to boost your savings at renewal. Keep your records in check and follow a few simple tips, and you won\u2019t run into problems with outdated or locked NCDs. Platforms like <strong>Bjak<\/strong> ensure your premiums reflect your real NCD instantly, making renewal decisions faster and easier.<\/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-calculate-car-ncd-complete-guide--tips\" 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\/online-car-insurance-renewal-experience\">Online Car Insurance Renewal Experience<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/calculate-your-cars-market-value-before-choosing-coverage\">Calculate Your Car\u2019s Market Value Before Choosing Coverage<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/steps-to-choose-additional-car-insurance-coverage\">Steps to Choose Additional Car Insurance Coverage<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cLearn how to calculate car NCD, see how much you can save on insurance, and avoid issues with outdated or locked records using Bjak.\u201d<\/p>\n","protected":false},"author":31,"featured_media":51973,"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":[59,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Calculate Car NCD: Complete Guide &amp; Tips | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: How To Calculate Car NCD: Complete Guide &amp; Tips\" \/>\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-calculate-car-ncd-complete-guide-tips\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Calculate Car NCD: Complete Guide &amp; Tips | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: How To Calculate Car NCD: Complete Guide &amp; Tips\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-calculate-car-ncd-complete-guide-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=\"2025-09-25T14:14:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:30:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/2-64.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! 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