{"id":52831,"date":"2025-10-10T23:37:10","date_gmt":"2025-10-10T15:37:10","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=52831"},"modified":"2025-10-29T20:52:48","modified_gmt":"2025-10-29T12:52:48","slug":"ncd-dalam-insurans-kereta-cara-ia-dikira","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-dalam-insurans-kereta-cara-ia-dikira","title":{"rendered":"NCD Dalam Insurans Kereta &#038; Cara Ia Dikira"},"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-69d444c455830\" 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-69d444c455830\"><\/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\/insurans-kereta\/ncd-dalam-insurans-kereta-cara-ia-dikira\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/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\/insurans-kereta\/ncd-dalam-insurans-kereta-cara-ia-dikira\/#Apa_Itu_NCD_No_Claim_Discount\" title=\"Apa Itu NCD (No Claim Discount)\">Apa Itu NCD (No Claim Discount)<\/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\/insurans-kereta\/ncd-dalam-insurans-kereta-cara-ia-dikira\/#Kadar_NCD_Mengikut_Tahun_Tanpa_Tuntutan\" title=\"Kadar NCD Mengikut Tahun Tanpa Tuntutan\">Kadar NCD Mengikut Tahun Tanpa Tuntutan<\/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\/insurans-kereta\/ncd-dalam-insurans-kereta-cara-ia-dikira\/#Cara_Kira_NCD_Secara_Manual\" title=\"Cara Kira NCD Secara Manual\">Cara Kira NCD Secara Manual<\/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\/insurans-kereta\/ncd-dalam-insurans-kereta-cara-ia-dikira\/#Cara_Semak_NCD_Insurans_Kereta_Anda\" title=\"Cara Semak NCD Insurans Kereta Anda\">Cara Semak NCD Insurans Kereta Anda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-dalam-insurans-kereta-cara-ia-dikira\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pernah terfikir kenapa premium insurans anda makin murah setiap tahun, walaupun nilai kereta menurun perlahan-lahan? Jawapannya ada pada <strong>NCD Dalam Insurans Kereta. <\/strong>Ramai sahaja pemandu\/pemilik kenderaan di Malaysia mengetahui yang boleh berjimat ratusan ringgit untuk pembelian insuran dengan hanya mengekalkan NCD. Boleh semakan artikel ini untuk cara kiraan &amp; semakan status NCD secara online.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apa_Itu_NCD_No_Claim_Discount\"><\/span><strong>Apa Itu NCD (No Claim Discount)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD atau No Claim Discount adalah diskaun khas yang diberi kepada pemilik kenderaan jika buat pembelian insuran berturut tanpa sebarang tuntutan bersama insuran. Ini adalah untuk menggalakkan supaya pemandu dalam Malaysia untuk panduan berhemah &amp; mengelak untuk bat sebarang tuntutan. Diskaun ini hanya terpakai untuk <strong>perlindungan komprehensif dan Third Party, Fire &amp; Theft (TPFT)<\/strong> \u2014 bukan untuk pelan Third Party biasa.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kadar_NCD_Mengikut_Tahun_Tanpa_Tuntutan\"><\/span><strong>Kadar NCD Mengikut Tahun Tanpa Tuntutan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\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 NCD<\/strong><\/td><td><strong>Diskaun Anggaran (RM) untuk Premium RM1,000<\/strong><\/td><\/tr><tr><td>1 tahun<\/td><td>25%<\/td><td>RM250<\/td><\/tr><tr><td>2 tahun<\/td><td>30%<\/td><td>RM300<\/td><\/tr><tr><td>3 tahun<\/td><td>38.33%<\/td><td>RM383<\/td><\/tr><tr><td>4 tahun<\/td><td>45%<\/td><td>RM450<\/td><\/tr><tr><td>5 tahun &amp; ke atas<\/td><td><strong>55% (maksimum)<\/strong><\/td><td>RM550<\/td><\/tr><\/tbody><\/table><figcaption>Nota: Sekiranya anda membuat sebarang tuntutan insurans, NCD akan <strong>reset semula ke 0%<\/strong> untuk tahun berikutnya.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"52895\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-dalam-insurans-kereta-cara-ia-dikira\/attachment\/3-47-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-47.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=\"3-47\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-47.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-47.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\/3-47.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan peringkat diskaun NCD dari tahun pertama hingga maksimum 55%\" class=\"wp-image-52895\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-47.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-47.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-47.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-47.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-47.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=\"Cara_Kira_NCD_Secara_Manual\"><\/span><strong>Cara Kira NCD Secara Manual<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Contoh mudah:<br>Premium asal: RM1,200<br>NCD: 45%<br>Diskaun = RM1,200 \u00d7 45% = RM540<br>Premium selepas NCD = <strong>RM660 sahaja<\/strong><\/p>\n\n\n\n<p>Kalau anda renew melalui platform seperti <strong>Bjak<\/strong>, sistem akan automatik tolak diskaun NCD dalam sebutharga \u2014 tak perlu kira manual.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Cara_Semak_NCD_Insurans_Kereta_Anda\"><\/span><strong>Cara Semak NCD Insurans Kereta Anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Anda boleh semak NCD secara percuma melalui:<\/p>\n\n\n\n<ol><li><strong>Bjak.my<\/strong> \u2013 Masukkan nombor plat &amp; IC \u2192 sistem terus paparkan kadar NCD anda.<br><\/li><li><strong>MyCarInfo<\/strong> \u2013 Disediakan oleh PIAM (Persatuan Insurans Am Malaysia).<br><\/li><li><strong>Hubungi syarikat insurans<\/strong> \u2013 Jika anda ingin sahkan rekod tuntutan atau pindahkan NCD ke kereta baru.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD dalam insurans kereta bukan sekadar diskaun kecil \u2014 ia tanda penghargaan atas <strong>pemanduan cermat dan bertanggungjawab.<\/strong> Pastikan anda <strong>tidak membuat tuntutan kecil yang tidak perlu<\/strong>, kerana setiap tuntutan boleh hilangkan diskaun besar ini. Dengan rekod pemanduan bersih selama 5 tahun, anda sudah layak menikmati <strong>diskaun maksimum 55%<\/strong> \u2014 jimat besar setiap kali renew insurans.Untuk semakan cepat dan percuma, layari <strong>Bjak<\/strong> dan lihat kadar NCD anda dalam masa beberapa saat.<\/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=ncd-dalam-insurans-kereta--cara-ia-dikira\" 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\/bagaimana-ncd-no-claim-discount-kurangkan-harga-insurans\">Bagaimana NCD (No Claim Discount) Kurangkan Harga Insurans<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/tiada-cover-note-insurans-kereta-semasa-diperiksa-jpj\">Tiada Cover Note Insurans Kereta Semasa Diperiksa JPJ<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/saiz-roadtax-kereta-standard-untuk-cetak-sendiri-apa-perlu-tahu\">Saiz Roadtax Kereta Standard Untuk Cetak Sendiri, Apa Perlu Tahu<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> NCD ialah diskaun yang boleh mencecah 55% untuk pemandu tanpa tuntutan insurans. Ketahui cara kira dan semak NCD anda secara online melalui Bjak.<\/p>\n","protected":false},"author":31,"featured_media":52894,"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":[93,2924,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NCD Dalam Insurans Kereta &amp; Cara Ia Dikira | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: NCD Dalam Insurans Kereta &amp; Cara Ia Dikira untuk bantu kurangkan premium sehingga 55% setiap tahun.\" \/>\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\/ncd-dalam-insurans-kereta-cara-ia-dikira\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NCD Dalam Insurans Kereta &amp; Cara Ia Dikira | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: NCD Dalam Insurans Kereta &amp; Cara Ia Dikira untuk bantu kurangkan premium sehingga 55% setiap tahun.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-dalam-insurans-kereta-cara-ia-dikira\" \/>\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=\"2025-10-10T15:37:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T12:52:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-47.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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