{"id":52969,"date":"2025-10-12T00:10:00","date_gmt":"2025-10-11T16:10:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=52969"},"modified":"2025-11-03T17:44:47","modified_gmt":"2025-11-03T09:44:47","slug":"ncd-insurance-bagaimana-klaim-kecil-boleh-jejaskan-diskaun","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-bagaimana-klaim-kecil-boleh-jejaskan-diskaun","title":{"rendered":"NCD Insurance: Bagaimana Klaim Kecil Boleh Jejaskan Diskaun"},"content":{"rendered":"\n<p>Ramai pemandu fikir buat <strong>klaim kecil<\/strong> dari insurans tak beri kesan besar \u2014 tapi sebenarnya, ia boleh <strong>hapuskan NCD (No Claim Discount)<\/strong> anda terus!<br>Bayangkan anda jimat bertahun-tahun tanpa buat tuntutan, lepas tu hilang diskaun 45% hanya sebab calar kecil di pintu. Jom faham kenapa NCD dalam insurance penting untuk elak kerugian.<\/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-69d48b8c26805\" 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-69d48b8c26805\"><\/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-insurance-bagaimana-klaim-kecil-boleh-jejaskan-diskaun\/#1_Apa_Itu_NCD_dan_Kenapa_Penting\" title=\"1. Apa Itu NCD dan Kenapa Penting\">1. Apa Itu NCD dan Kenapa Penting<\/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-insurance-bagaimana-klaim-kecil-boleh-jejaskan-diskaun\/#2_Apa_Maksud_%E2%80%98Klaim_Kecil%E2%80%99\" title=\"2. Apa Maksud \u2018Klaim Kecil\u2019\">2. Apa Maksud \u2018Klaim Kecil\u2019<\/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-insurance-bagaimana-klaim-kecil-boleh-jejaskan-diskaun\/#3_Contoh_Kesan_Kehilangan_NCD\" title=\"3. Contoh Kesan Kehilangan NCD\">3. Contoh Kesan Kehilangan 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\/insurans-kereta\/ncd-insurance-bagaimana-klaim-kecil-boleh-jejaskan-diskaun\/#4_Bila_Klaim_Tak_Jejaskan_NCD\" title=\"4. Bila Klaim Tak Jejaskan NCD\">4. Bila Klaim Tak Jejaskan NCD<\/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-insurance-bagaimana-klaim-kecil-boleh-jejaskan-diskaun\/#5_Cara_Semak_Status_NCD\" title=\"5. Cara Semak Status NCD\">5. Cara Semak Status 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\/ncd-insurance-bagaimana-klaim-kecil-boleh-jejaskan-diskaun\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_Apa_Itu_NCD_dan_Kenapa_Penting\"><\/span><strong>1. Apa Itu NCD dan Kenapa Penting<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD ialah diskaun yang diberi kepada pemilik kenderaan yang <strong>tidak buat sebarang tuntutan insurans<\/strong> dalam tempoh perlindungan.<br>Ia boleh naik sehingga <strong>55%<\/strong> untuk kereta persendirian. Tapi bila anda buat tuntutan atas polisi sendiri (own damage), sistem akan reset NCD anda ke <strong>0%<\/strong> semula.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Apa_Maksud_%E2%80%98Klaim_Kecil%E2%80%99\"><\/span><strong>2. Apa Maksud \u2018Klaim Kecil\u2019<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Klaim kecil ni biasanya merujuk kepada kerosakan ringan seperti:<\/p>\n\n\n\n<ul><li>Cermin sisi patah<br><\/li><li>Bumper calar ringan<br><\/li><li>Lampu pecah sebab hentakan kecil<br><\/li><\/ul>\n\n\n\n<p>Kos pembaikan mungkin bawah <strong>RM400\u2013RM600<\/strong>, tapi kalau guna polisi insurans untuk tuntutan ni \u2014 anda hilang potongan NCD yang lebih besar nilainya!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Contoh_Kesan_Kehilangan_NCD\"><\/span><strong>3. Contoh Kesan Kehilangan NCD<\/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>Situasi<\/strong><\/td><td><strong>Premium Asal<\/strong><\/td><td><strong>NCD 45%<\/strong><\/td><td><strong>Selepas Buat Klaim<\/strong><\/td><\/tr><tr><td>Tanpa klaim<\/td><td>RM1,200<\/td><td>RM660<\/td><td>Jimat RM540<\/td><\/tr><tr><td>Dengan klaim kecil<\/td><td>RM1,200<\/td><td>Tiada diskaun<\/td><td>Bayar RM1,200 semula<\/td><\/tr><\/tbody><\/table><figcaption>Jadi kalau kerosakan bawah RM500, lebih baik <strong>baiki sendiri<\/strong> \u2014 sebab diskaun 45% yang hilang jauh lebih bernilai untuk tahun depan.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Bila_Klaim_Tak_Jejaskan_NCD\"><\/span><strong>4. Bila Klaim Tak Jejaskan NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Anda takkan hilang NCD jika:<\/p>\n\n\n\n<ul><li>Buat tuntutan pihak ketiga (Third Party Claim)<br><\/li><li>Buat tuntutan atas pelan tambahan seperti cermin hadapan atau banjir (special peril)<br><\/li><li>Klaim dibuat atas nama pihak lain, bukan polisi anda sendiri<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Cara_Semak_Status_NCD\"><\/span><strong>5. Cara Semak Status NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Anda boleh semak kadar NCD melalui:<\/p>\n\n\n\n<ul><li><strong>JPJ \/ MyJPJ<\/strong> (rekod kenderaan rasmi)<br><\/li><li><strong>Bjak.my<\/strong> \u2014 cuma masukkan nombor plat, sistem terus paparkan kadar NCD semasa bersama anggaran premium<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53030\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-bagaimana-klaim-kecil-boleh-jejaskan-diskaun\/attachment\/3-61-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-61.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=\"3-61\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-61.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-61.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\/3-61.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Grafik menunjukkan kesan tuntutan kecil terhadap diskaun NCD, dengan visual sejarah tuntutan mengurangkan diskaun.\" class=\"wp-image-53030\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-61.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-61.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-61.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-61.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-61.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>Klaim kecil mungkin nampak remeh, tapi kesannya besar kalau hilang diskaun NCD dalam insurance. Sebelum buat tuntutan, kira dulu sama ada berbaloi atau tidak.<br>Kalau nak semak kadar NCD anda dengan cepat, guna <strong>kalkulator insurans Bjak<\/strong> \u2014 terus tahu berapa diskaun sebenar yang anda ada.<\/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-insurance-bagaimana-klaim-kecil-boleh-jejaskan-diskaun\" 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\/kalkulator-insurans-kereta-malaysia-perbandingan-mudah\">Kalkulator Insurans Kereta Malaysia: Perbandingan Mudah<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/kalkulator-roadtax-malaysia-cara-guna-kelebihannya\">Kalkulator Roadtax Malaysia: Cara Guna &amp; Kelebihannya<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-roadtax-kereta-di-malaysia-cara-kos-dokumen-diperlukan\">Panduan Lengkap Roadtax Kereta :Apa Yang Diperlukan<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jangan buat klaim kecil tanpa fikir! Ketahui bagaimana klaim kecil boleh hapuskan diskaun NCD anda dan cara elak rugi premium.<\/p>\n","protected":false},"author":31,"featured_media":53029,"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":[88,2933,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NCD Insurance: Bagaimana Klaim Kecil Boleh Jejaskan Diskaun | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: NCD Insurance: Bagaimana Klaim Kecil Boleh Jejaskan Diskaun untuk penjimatan sehingga 55%.\" \/>\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-insurance-bagaimana-klaim-kecil-boleh-jejaskan-diskaun\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NCD Insurance: Bagaimana Klaim Kecil Boleh Jejaskan Diskaun | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: NCD Insurance: Bagaimana Klaim Kecil Boleh Jejaskan Diskaun untuk penjimatan sehingga 55%.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-bagaimana-klaim-kecil-boleh-jejaskan-diskaun\" \/>\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=\"2025-10-11T16:10:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-03T09:44:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-61.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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