{"id":52957,"date":"2025-10-12T00:07:59","date_gmt":"2025-10-11T16:07:59","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=52957"},"modified":"2026-02-10T18:07:32","modified_gmt":"2026-02-10T10:07:32","slug":"panduan-kira-ncd-insurance-malaysia-jimat-hingga-55","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-kira-ncd-insurance-malaysia-jimat-hingga-55","title":{"rendered":"Panduan Kira NCD Insurance Malaysia: Jimat Hingga 55%!"},"content":{"rendered":"\n<p>Ramai pemilik kereta tak sedar mereka boleh <strong>jimat lebih separuh daripada harga insurans<\/strong> hanya kerana rekod pemanduan bersih. Itulah fungsi <strong>NCD (No Claim Discount)<\/strong> \u2014 ganjaran untuk pemandu yang tidak buat sebarang tuntutan insurans dalam tempoh tertentu. Tapi ramai masih keliru cara kira NCD dan bila ia boleh digunakan. Dalam artikel ini akan menunjukkan cara kira NCD insurance di Malaysia.<\/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-69d45d0d61a04\" 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-69d45d0d61a04\"><\/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\/panduan-kira-ncd-insurance-malaysia-jimat-hingga-55\/#1_Apa_Itu_NCD_Insurance_Malaysia\" title=\"1. Apa Itu NCD Insurance Malaysia\">1. Apa Itu NCD Insurance Malaysia<\/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\/panduan-kira-ncd-insurance-malaysia-jimat-hingga-55\/#2_Kadar_NCD_Terkini_di_Malaysia\" title=\"2. Kadar NCD Terkini di Malaysia\">2. Kadar NCD Terkini di Malaysia<\/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\/panduan-kira-ncd-insurance-malaysia-jimat-hingga-55\/#3_Cara_Semak_NCD_Anda\" title=\"3. Cara Semak NCD Anda\">3. Cara Semak NCD Anda<\/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\/panduan-kira-ncd-insurance-malaysia-jimat-hingga-55\/#4_Cara_Kira_NCD_Insurance_Malaysia\" title=\"4. Cara Kira NCD Insurance Malaysia\">4. Cara Kira NCD Insurance Malaysia<\/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\/panduan-kira-ncd-insurance-malaysia-jimat-hingga-55\/#5_Situasi_Yang_Boleh_Batalkan_NCD\" title=\"5. Situasi Yang Boleh Batalkan NCD\">5. Situasi Yang Boleh Batalkan 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\/insurans-kereta\/panduan-kira-ncd-insurance-malaysia-jimat-hingga-55\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_Apa_Itu_NCD_Insurance_Malaysia\"><\/span><strong>1. Apa Itu NCD Insurance Malaysia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD ialah potongan diskaun yang diberi kepada pemegang polisi insurans kenderaan <strong>jika tiada tuntutan dibuat<\/strong> dalam tempoh perlindungan.<br>Contohnya, kalau anda renew insurans setiap tahun tanpa sebarang claim, peratus NCD akan naik setiap tahun \u2014 sampai maksimum <strong>55%<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Kadar_NCD_Terkini_di_Malaysia\"><\/span><strong>2. Kadar NCD Terkini di Malaysia<\/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>Jenis Kenderaan<\/strong><\/td><td><strong>1<\/strong><\/td><td><strong>2<\/strong><\/td><td><strong>3<\/strong><\/td><td><strong>4<\/strong><\/td><td><strong>5<\/strong><\/td><td><strong>Maksimum<\/strong><\/td><\/tr><tr><td><strong>Kereta Persendirian<\/strong><\/td><td>0%<\/td><td>25%<\/td><td>30%<\/td><td>38.33%<\/td><td>45%<\/td><td><strong>55%<\/strong><\/td><\/tr><tr><td><strong>Motorsikal<\/strong><\/td><td>0%<\/td><td>15%<\/td><td>20%<\/td><td>25%<\/td><td>25%<\/td><td><strong>25%<\/strong><\/td><\/tr><tr><td><strong>Kenderaan Komersial<\/strong><\/td><td>0%<\/td><td>15%<\/td><td>20%<\/td><td>25%<\/td><td>25%<\/td><td><strong><strong>25%<\/strong><\/strong><\/td><\/tr><\/tbody><\/table><figcaption><em>Nota:<\/em> NCD tidak terpakai untuk tuntutan pihak ketiga \u2014 hanya jika tuntutan dibuat atas polisi sendiri (own damage).<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Cara_Semak_NCD_Anda\"><\/span><strong>3. Cara Semak NCD 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<ul><li><strong>JPJ\/MyJPJ:<\/strong> Semak status NCD melalui rekod kenderaan.<br><\/li><li><strong>Bjak:<\/strong> Hanya masukkan nombor plat di laman web Bjak, dan sistem akan paparkan kadar NCD semasa secara automatik bersama anggaran premium.<br><\/li><li><strong>MyEG atau ejen insurans:<\/strong> Boleh semak manual tapi biasanya lebih lambat.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Cara_Kira_NCD_Insurance_Malaysia\"><\/span><strong>4. Cara Kira NCD Insurance Malaysia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Contoh pengiraan mudah:<\/p>\n\n\n\n<ul><li>Harga premium tanpa diskaun = RM1,200<\/li><li>Kadar NCD anda = 45%<\/li><li>Premium selepas diskaun = RM1,200 \u2013 (45% \u00d7 RM1,200) = <strong>RM660<\/strong><\/li><\/ul>\n\n\n\n<p>Maknanya, anda <strong>jimat RM540<\/strong> hanya sebab tiada tuntutan dalam setahun!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Situasi_Yang_Boleh_Batalkan_NCD\"><\/span><strong>5. Situasi Yang Boleh Batalkan NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Berhati-hati \u2014 NCD anda boleh hilang kalau:<\/p>\n\n\n\n<ul><li>Buat tuntutan sendiri (own damage)<br><\/li><li>Tukar milik kenderaan kepada nama baru<br><\/li><li>Bertukar syarikat insurans tanpa rekod NCD tepat<br><\/li><li>Buat tuntutan walaupun kecil (contoh calar sendiri)<br><\/li><\/ul>\n\n\n\n<p>Kalau nak kekalkan NCD, <strong>elak buat tuntutan kecil<\/strong> \u2014 baiki sendiri jika kos bawah RM500, sebab nilai NCD lebih berbaloi disimpan.<\/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=\"53018\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-kira-ncd-insurance-malaysia-jimat-hingga-55\/attachment\/3-57-4\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-57.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=\"3-57\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-57.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-57.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\/3-57.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Grafik menunjukkan pengiraan NCD (No Claim Discount) untuk insurans kereta, dengan peratusan diskaun dan penjimatan diserlahkan.\" class=\"wp-image-53018\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-57.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-57.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-57.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-57.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-57.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=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD insurance Malaysia ialah cara paling mudah untuk <strong>jimat besar setiap kali renew insurans<\/strong>. Semak kadar anda sebelum bayar supaya tak rugi hak diskaun.<br>Kalau nak semak cepat dan terus banding harga pelan \u2014 boleh guna <strong>Bjak<\/strong>, yang automatik kira NCD anda siap sekali.<\/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=panduan-kira-ncd-insurance-malaysia-jimat-hingga-55\" 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\/5-faktor-yang-mempengaruhi-kiraan-insurans-kereta\">5 Faktor Yang Mempengaruhi Kiraan Insurans Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-kira-roadtax-kereta-mengguna-kalkulator-online\">Cara Kira Roadtax Kereta Mengguna Kalkulator Online<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/kenapa-roadtax-kereta-mahal-faktor-ramai-tidak-tahu\">Kenapa Roadtax Kereta Mahal? Faktor Ramai Tidak Tahu<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ketahui cara kira NCD insurance Malaysia dengan mudah. Panduan ini tunjuk bagaimana diskaun NCD boleh bantu anda jimat hingga 55%.<\/p>\n","protected":false},"author":31,"featured_media":53017,"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":[88,137,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Panduan Kira NCD Insurance Malaysia: Jimat Hingga 55%! | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Panduan Kira NCD Insurance Malaysia: Jimat Hingga 55%! 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