{"id":52861,"date":"2025-10-10T23:49:23","date_gmt":"2025-10-10T15:49:23","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=52861"},"modified":"2025-10-29T18:30:14","modified_gmt":"2025-10-29T10:30:14","slug":"what-is-ncd-in-car-insurance-how-its-calculated","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/what-is-ncd-in-car-insurance-how-its-calculated","title":{"rendered":"What Is NCD in Car Insurance &#038; How It\u2019s Calculated"},"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-6a04a4c815c2f\" 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-6a04a4c815c2f\"><\/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\/what-is-ncd-in-car-insurance-how-its-calculated\/#Introduction\" title=\"Introduction\">Introduction<\/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\/what-is-ncd-in-car-insurance-how-its-calculated\/#What_Is_NCD_No_Claim_Discount\" title=\"What Is NCD (No Claim Discount)\">What Is 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\/car-insurance\/what-is-ncd-in-car-insurance-how-its-calculated\/#NCD_Rate_by_Claim-Free_Years\" title=\"NCD Rate by Claim-Free Years\">NCD Rate by Claim-Free Years<\/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\/what-is-ncd-in-car-insurance-how-its-calculated\/#How_to_Calculate_NCD_Manually\" title=\"How to Calculate NCD Manually\">How to Calculate NCD Manually<\/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\/what-is-ncd-in-car-insurance-how-its-calculated\/#How_to_Check_Your_Car_Insurance_NCD\" title=\"How to Check Your Car Insurance NCD\">How to Check Your Car Insurance NCD<\/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\/car-insurance\/what-is-ncd-in-car-insurance-how-its-calculated\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ever wondered why your car insurance premium gets cheaper each year, even though your car\u2019s value drops slowly? The answer lies in <strong>NCD \u2014 No Claim Discount<\/strong> in Car insurance . Many car owners don\u2019t realise they can save hundreds of ringgit simply by maintaining a clean driving record. In this article, we\u2019ll explain what NCD is, how it\u2019s calculated, and how you can check your NCD status online.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_Is_NCD_No_Claim_Discount\"><\/span><strong>What Is NCD (No Claim Discount)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD is a discount given to vehicle owners who <strong>have not made any insurance claims<\/strong> in the past 12 months.<br>It encourages careful driving \u2014 the longer you go without filing a claim, the higher your discount becomes.<br>This discount applies only to <strong>Comprehensive<\/strong> and <strong>Third Party, Fire &amp; Theft (TPFT)<\/strong> coverage, not for basic Third Party policies.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"NCD_Rate_by_Claim-Free_Years\"><\/span><strong>NCD Rate by Claim-Free Years<\/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>Claim-Free Years<\/strong><\/td><td><strong>NCD Percentage<\/strong><\/td><td><strong>Estimated Discount (RM) for RM1,000 Premium<\/strong><\/td><\/tr><tr><td>1 year<\/td><td>25%<\/td><td>RM250<\/td><\/tr><tr><td>2 years<\/td><td>30%<\/td><td>RM300<\/td><\/tr><tr><td>3 years<\/td><td>38.33%<\/td><td>RM383<\/td><\/tr><tr><td>4 years<\/td><td>45%<\/td><td>RM450<\/td><\/tr><tr><td>5 years &amp; above<\/td><td><strong>55% (maximum)<\/strong><\/td><td>RM550<\/td><\/tr><\/tbody><\/table><figcaption><strong>Note:<\/strong> If you make any insurance claim, your NCD will reset to <strong>0%<\/strong> in the following year.<\/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=\"52926\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/what-is-ncd-in-car-insurance-how-its-calculated\/attachment\/4-46-3\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-46.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=\"4-46\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-46.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-46.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\/4-46.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing stages of NCD discount from year one to maximum 55%.\n\" class=\"wp-image-52926\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-46.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-46.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-46.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-46.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-46.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=\"How_to_Calculate_NCD_Manually\"><\/span><strong>How to Calculate NCD Manually<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Example:<\/p>\n\n\n\n<ul><li>Original premium: RM1,200<br><\/li><li>NCD: 45%<br><\/li><li>Discount = RM1,200 \u00d7 45% = RM540<br><\/li><li><strong>Premium after NCD = RM660<\/strong><strong><br><\/strong><\/li><\/ul>\n\n\n\n<p>If you renew via platforms like <strong>Bjak<\/strong>, the system automatically applies your NCD discount in the quotation \u2014 no manual calculation needed.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_to_Check_Your_Car_Insurance_NCD\"><\/span><strong>How to Check Your Car Insurance NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You can check your NCD for free through the following:<\/p>\n\n\n\n<ul><li><strong>Bjak.my<\/strong> \u2013 Enter your car plate number and IC \u2192 your NCD rate appears instantly.<br><\/li><li><strong>MyCarInfo<\/strong> \u2013 Provided by <strong>PIAM (General Insurance Association of Malaysia)<\/strong>.<br><\/li><li><strong>Contact your insurance company<\/strong> \u2013 Useful for verifying claim records or transferring NCD to a new car.<br><\/li><\/ul>\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>NCD isn\u2019t just a small discount \u2014 it\u2019s a reward for careful, responsible driving.<br>Avoid making minor, unnecessary claims, as each one can wipe out your NCD savings. With a clean record for five years, you can enjoy the <strong>maximum 55% discount<\/strong>, saving a significant amount each time you renew.<br><\/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=what-is-ncd-in-car-insurance--how-its-calculated\" 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-ncd-no-claim-discount-reduces-insurance-premiums\">How NCD (No Claim Discount) Reduces Insurance Premiums<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cover-note-not-available-during-jpj-check-what-happens\">Cover Note Not Available During JPJ Check \u2013 What Happens?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax-size-for-self-printing-need-to-know\">Roadtax Size for Self-Printing, Need to Know<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>NCD offers up to a 55% discount for drivers with no insurance claims. Learn how it\u2019s calculated and check your NCD online instantly through Bjak.<\/p>\n","protected":false},"author":31,"featured_media":52925,"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],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is NCD in Car Insurance &amp; How It\u2019s Calculated | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: What Is NCD in Car Insurance &amp; How It\u2019s Calculated to help save up to 55% on car premiums yearly.\" \/>\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\/what-is-ncd-in-car-insurance-how-its-calculated\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is NCD in Car Insurance &amp; How It\u2019s Calculated | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: What Is NCD in Car Insurance &amp; How It\u2019s Calculated to help save up to 55% on car premiums yearly.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/what-is-ncd-in-car-insurance-how-its-calculated\" \/>\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=\"2025-10-10T15:49:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:30:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/2-46.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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