{"id":52741,"date":"2025-10-05T00:11:56","date_gmt":"2025-10-04T16:11:56","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=52741"},"modified":"2025-10-29T18:30:15","modified_gmt":"2025-10-29T10:30:15","slug":"how-ncd-no-claim-discount-reduces-insurance-premiums","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/how-ncd-no-claim-discount-reduces-insurance-premiums","title":{"rendered":"How NCD (No Claim Discount) Reduces Insurance Premiums"},"content":{"rendered":"\n<p>NCD (No Claim Discount) is a special discount that is tied to the registered vehicle plate number along with the owner\u2019s NRIC, these discounts accumulate through continuous policy renewal without ever making an insurance claim. This article explains how NCD reduces your insurance premiums and tips to maintain it for maximum savings.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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-69d45b4e9873c\" 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-69d45b4e9873c\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-ncd-no-claim-discount-reduces-insurance-premiums\/#What_is_NCD\" title=\"What is NCD?\">What is NCD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-ncd-no-claim-discount-reduces-insurance-premiums\/#How_NCD_Reduces_Insurance_Premiums\" title=\"How NCD Reduces Insurance Premiums\">How NCD Reduces Insurance Premiums<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-ncd-no-claim-discount-reduces-insurance-premiums\/#Tips_to_Maintain_Your_NCD\" title=\"Tips to Maintain Your NCD\">Tips to Maintain Your NCD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-ncd-no-claim-discount-reduces-insurance-premiums\/#FAQs\" title=\"FAQs\">FAQs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-ncd-no-claim-discount-reduces-insurance-premiums\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"What_is_NCD\"><\/span><strong>What is NCD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD is a <strong>premium discount<\/strong> granted because no claims were made within a specified period.<\/p>\n\n\n\n<ul><li>Usually calculated annually, ranging from <strong>10% up to 55%<\/strong> depending on the insurer.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_NCD_Reduces_Insurance_Premiums\"><\/span><strong>How NCD Reduces Insurance Premiums<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>No claims \u2192 higher discount<\/strong><strong><br><\/strong> Example: RM1,000 premium with <strong>25% NCD<\/strong> \u2192 only pay RM750.<br><\/li><li><strong>Lower annual increase<\/strong><strong><br><\/strong> NCD helps keep insurance costs lower even as your car ages.<br><\/li><li><strong>Combine with promotions &amp; online platforms<\/strong><strong><br><\/strong> Using <strong>Bjak<\/strong> to compare premiums + NCD can give maximum savings.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Tips_to_Maintain_Your_NCD\"><\/span><strong>Tips to Maintain Your NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li><strong>Avoid small claims<\/strong>: Sometimes it\u2019s cheaper to pay minor repairs yourself.<br><\/li><li><strong>No policy gaps<\/strong>: NCD will reduce for yearly gap renewals.<br><\/li><li><strong>Use e-insurance \/ cover notes<\/strong>: Helps track claims so NCD remains intact.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>1. P<\/strong>osisble to transfer NCD to another car<strong>?<br><\/strong> Yes, if the vehicle is under the same NRIC.<\/p>\n\n\n\n<p><strong>2. What happens if I make a claim?<\/strong><strong><br><\/strong> NCD will decrease according to the insurer\u2019s policy. Example: 25% NCD may drop to 0\u201310%.<\/p>\n\n\n\n<p><strong>3. Do all insurers offer NCD?<\/strong><strong><br><\/strong> Almost all comprehensive insurers provide NCD, but maximum rates vary.<\/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=\"52800\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-ncd-no-claim-discount-reduces-insurance-premiums\/attachment\/4-39-4\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-39.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=\"4-39\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-39.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-39.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\/10\/4-39.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing how No Claim Discount (NCD) reduces car insurance premiums in Malaysia and tips to maintain the discount.\" class=\"wp-image-52800\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-39.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-39.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-39.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-39.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-39.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<h3><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Maintain your NCD for the best assurance that your insurance premium will stay at lower amount, with simple tasks of policy renewals and never making claims you&#8217;re able to max on savings of up to 55% when renewing your next policy. Use online platforms like <strong>Bjak<\/strong> to compare premiums and NCD easily for maximum savings.<\/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-ncd-no-claim-discount-reduces-insurance-premiums\" 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\/how-long-is-a-car-insurance-cover-note-valid\">How Long Is a Car Insurance Cover Note Valid?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/renew-car-insurance-roadtax-with-outstanding-fines\">Renew Car Insurance &amp; Roadtax With Outstanding Fines?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/guide-for-the-best-car-insurance-according-to-your-budget\">Guide for the Best Car Insurance According to Your Budget<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> No Claim Discount (NCD) can reduce car insurance premiums up to 55%. Learn how it works and tips to maintain your discount in Malaysia.<\/p>\n","protected":false},"author":31,"featured_media":52799,"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":[88,424,2922,2846],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How NCD (No Claim Discount) Reduces Insurance Premiums | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: How NCD (No Claim Discount) Reduces Insurance Premiums. 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