{"id":52711,"date":"2025-10-05T00:05:55","date_gmt":"2025-10-04T16:05:55","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=52711"},"modified":"2025-11-03T17:45:28","modified_gmt":"2025-11-03T09:45:28","slug":"bagaimana-ncd-no-claim-discount-kurangkan-harga-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-ncd-no-claim-discount-kurangkan-harga-insurans","title":{"rendered":"Bagaimana NCD (No Claim Discount) Kurangkan Harga Insurans"},"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-6a09aeb468bf8\" 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-6a09aeb468bf8\"><\/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\/bagaimana-ncd-no-claim-discount-kurangkan-harga-insurans\/#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\/bagaimana-ncd-no-claim-discount-kurangkan-harga-insurans\/#Isi_Kandungan\" title=\"Isi Kandungan\">Isi Kandungan<\/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\/bagaimana-ncd-no-claim-discount-kurangkan-harga-insurans\/#Apa_Itu_NCD\" title=\"Apa Itu NCD?\">Apa Itu NCD?<\/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\/bagaimana-ncd-no-claim-discount-kurangkan-harga-insurans\/#Bagaimana_NCD_Mengurangkan_Harga_Insurans\" title=\"Bagaimana NCD Mengurangkan Harga Insurans?\">Bagaimana NCD Mengurangkan Harga Insurans?<\/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\/bagaimana-ncd-no-claim-discount-kurangkan-harga-insurans\/#Cara_Kekalkan_NCD_Anda\" title=\"Cara Kekalkan NCD Anda\">Cara Kekalkan NCD Anda<\/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\/bagaimana-ncd-no-claim-discount-kurangkan-harga-insurans\/#Soalan_Lazim_FAQ\" title=\"Soalan Lazim (FAQ)\">Soalan Lazim (FAQ)<\/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\/bagaimana-ncd-no-claim-discount-kurangkan-harga-insurans\/#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>NCD adalah diskaun khas yang tersedia pada pemilik kenderaan dalam Malaysia jika mereka telah renew insurans berturut-turut tanpa buat sebarang tuntutan sepanjang polisi aktif.Artikel ini terangkan <strong>cara NCD kurangkan harga insurans dan tips kekalkan NCD<\/strong> supaya kos premium lebih jimat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Isi_Kandungan\"><\/span><strong>Isi Kandungan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Apa Itu NCD?<br><\/li><li>Bagaimana NCD Mengurangkan Harga Insurans?<br><\/li><li>Cara Kekalkan NCD Anda<br><\/li><li>Soalan Lazim (FAQ)<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_NCD\"><\/span><strong>Apa Itu NCD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>NCD ialah <strong>diskaun premium<\/strong> yang diberikan kerana tiada tuntutan dibuat dalam tempoh tertentu.<br><\/li><li>Biasanya dikira secara tahunan, bermula dari 10% hingga maksimum 55% bergantung kepada 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=\"Bagaimana_NCD_Mengurangkan_Harga_Insurans\"><\/span><strong>Bagaimana NCD Mengurangkan Harga Insurans?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Tiada tuntutan \u2192 diskaun lebih tinggi<\/strong><strong><br><\/strong><ul><li>Contoh: Premium RM1,000 dengan NCD 25% hanya bayar RM750.<br><\/li><\/ul><\/li><li><strong>Kenaikan tahunan lebih rendah<\/strong><strong><br><\/strong><ul><li>NCD membantu mengekalkan kos insurans rendah walaupun kereta semakin tua.<br><\/li><\/ul><\/li><li><strong>Gabungan dengan promosi &amp; platform online<\/strong><strong><br><\/strong><ul><li>Menggunakan <strong>Bjak<\/strong> untuk bandingkan premium + NCD boleh beri penjimatan maksimum.<br><\/li><\/ul><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Kekalkan_NCD_Anda\"><\/span><strong>Cara Kekalkan NCD Anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Elak tuntutan kecil:<\/strong> Kadang-kadang lebih jimat bayar sendiri daripada buat tuntutan.<br><\/li><li><strong>Pastikan tiada gap polisi:<\/strong> NCD hilang jika polisi tamat tempoh dan tidak diperbaharui.<br><\/li><li><strong>Gunakan e-insurance\/cover note:<\/strong> Mudahkan rekod tuntutan supaya NCD tidak terganggu.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Soalan_Lazim_FAQ\"><\/span><strong>Soalan Lazim (FAQ)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. Bolehkah NCD dipindah kepada kereta baru?<\/strong><strong><br><\/strong> Ya, selagi ia dibeli dari pemilik yang sama dan syarikat insurans menerima pemindahan.<\/p>\n\n\n\n<p><strong>2. Apa terjadi jika saya buat tuntutan?<\/strong><strong><br><\/strong> NCD akan dikurangkan mengikut polisi syarikat. Sebagai contoh, NCD 25% mungkin jatuh ke 0\u201310%.<\/p>\n\n\n\n<p><strong>3. Adakah semua insurans ada NCD?<\/strong><strong><br><\/strong> Hampir semua insurans komprehensif menawarkan NCD, tapi kadar maksimum berbeza antara syarikat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"52772\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-ncd-no-claim-discount-kurangkan-harga-insurans\/attachment\/3-41-4\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-41.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=\"3-41\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-41.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-41.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-41.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik tunjuk bagaimana No Claim Discount (NCD) mengurangkan kos premium insurans kereta di Malaysia dan tips kekalkan diskaun.\" class=\"wp-image-52772\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-41.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-41.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-41.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-41.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-41.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=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD adalah cara paling efektif untuk jimat kos insurans kereta. Dengan <strong>rekod bebas tuntutan dan pembaharuan tepat waktu<\/strong>, anda boleh nikmati diskaun sehingga NCD 55% dan kurangkan harga insurans tahunan. Gunakan platform online seperti <strong>Bjak<\/strong> untuk bandingkan premium &amp; NCD dengan mudah.<\/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=bagaimana-ncd-no-claim-discount-kurangkan-harga-insurans\" 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\/boleh-ke-renew-insurans-roadtax-kalau-ada-saman-tertunggak\">Boleh Renew Insurans &amp; Roadtax Kalau Ada Saman Tertunggak?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/panduan-pilih-insurans-kereta-terbaik-mengikut-bajet\">Panduan Pilih Insurans Kereta Terbaik Mengikut Bajet<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/kelebihan-takaful-banding-insurans-konvensional\">Kelebihan Takaful Banding Insurans Konvensional<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> No Claim Discount (NCD) boleh jimatkan premium insurans kereta sehingga 55%. Ketahui cara ia berfungsi dan tips kekalkan diskaun.<\/p>\n","protected":false},"author":31,"featured_media":52771,"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":[93,1637,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bagaimana NCD (No Claim Discount) Kurangkan Harga Insurans | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Bagaimana NCD (No Claim Discount) Kurangkan Harga Insurans sehingga puluhan pertahus dalam Malaysia.\" \/>\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\/bagaimana-ncd-no-claim-discount-kurangkan-harga-insurans\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bagaimana NCD (No Claim Discount) Kurangkan Harga Insurans | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Bagaimana NCD (No Claim Discount) Kurangkan Harga Insurans sehingga puluhan pertahus dalam Malaysia.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-ncd-no-claim-discount-kurangkan-harga-insurans\" \/>\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=\"2025-10-04T16:05:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-03T09:45:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-41.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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