{"id":52987,"date":"2025-10-12T00:14:02","date_gmt":"2025-10-11T16:14:02","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=52987"},"modified":"2025-10-29T18:30:13","modified_gmt":"2025-10-29T10:30:13","slug":"guide-to-calculating-ncd-insurance-malaysia-save-up-to-55","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/guide-to-calculating-ncd-insurance-malaysia-save-up-to-55","title":{"rendered":"Guide to Calculating NCD Insurance Malaysia: Save Up to 55%!"},"content":{"rendered":"\n<p>Many car owners don\u2019t realise they can save more than half of their insurance cost just by maintaining a clean driving record. That\u2019s the purpose of NCD (No Claim Discount) \u2014 a reward for drivers who don\u2019t make any insurance claims within a coverage period. However, many are still unsure on calculating NCD for insurance and when it applies.<\/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-69d46e810b035\" 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-69d46e810b035\"><\/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\/guide-to-calculating-ncd-insurance-malaysia-save-up-to-55\/#1_What_Is_NCD_Insurance_Malaysia\" title=\"1. What Is NCD Insurance Malaysia\">1. What Is 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\/car-insurance\/guide-to-calculating-ncd-insurance-malaysia-save-up-to-55\/#2_Latest_NCD_Rates_in_Malaysia\" title=\"2. Latest NCD Rates in Malaysia\">2. Latest NCD Rates in 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\/car-insurance\/guide-to-calculating-ncd-insurance-malaysia-save-up-to-55\/#3_How_to_Check_Your_NCD\" title=\"3. How to Check Your NCD\">3. How to Check 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\/guide-to-calculating-ncd-insurance-malaysia-save-up-to-55\/#4_How_to_Calculate_NCD_Insurance_Malaysia\" title=\"4. How to Calculate NCD Insurance Malaysia\">4. How to Calculate 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\/car-insurance\/guide-to-calculating-ncd-insurance-malaysia-save-up-to-55\/#5_Situations_That_Can_Void_Your_NCD\" title=\"5. Situations That Can Void Your NCD\">5. Situations That Can Void Your 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\/guide-to-calculating-ncd-insurance-malaysia-save-up-to-55\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_What_Is_NCD_Insurance_Malaysia\"><\/span><strong>1. What Is NCD Insurance Malaysia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD is a discount given to vehicle insurance policyholders who have not made any claims during their coverage period.<br>For example, if you renew your insurance every year without making a claim, your NCD percentage increases yearly \u2014 up to a maximum of <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_Latest_NCD_Rates_in_Malaysia\"><\/span><strong>2. Latest NCD Rates in 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>Vehicle Type<\/strong><\/td><td><strong>1st Year<\/strong><\/td><td><strong>2nd Year<\/strong><\/td><td><strong>3rd Year<\/strong><\/td><td><strong>4th Year<\/strong><\/td><td><strong>5th Year+<\/strong><\/td><td><strong>Maximum<\/strong><\/td><\/tr><tr><td>Private Car<\/td><td>0%<\/td><td>25%<\/td><td>30%<\/td><td>38.33%<\/td><td>45%<\/td><td>55%<\/td><\/tr><tr><td>Motorcycle<\/td><td>0%<\/td><td>15%<\/td><td>20%<\/td><td>25%<\/td><td>30%<\/td><td>25%<\/td><\/tr><tr><td>Commercial Vehicle<\/td><td>0%<\/td><td>15%<\/td><td>20%<\/td><td>25%<\/td><td>30%<\/td><td>55%<\/td><\/tr><\/tbody><\/table><figcaption><strong>Note:<\/strong> NCD does not apply to third-party claims \u2014 it only applies when a claim is made under your own policy (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_How_to_Check_Your_NCD\"><\/span><strong>3. How to Check Your NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You can check your NCD for free through:<\/p>\n\n\n\n<ul><li><strong>JPJ\/MyJPJ:<\/strong> Check your NCD status via your vehicle record.<br><\/li><li><strong>Bjak:<\/strong> Just enter your plate number on Bjak\u2019s website, and the system will automatically show your current NCD rate together with an estimated premium.<br><\/li><li><strong>MyEG or insurance agent:<\/strong> Can be checked manually, but usually slower.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_How_to_Calculate_NCD_Insurance_Malaysia\"><\/span><strong>4. How to Calculate NCD Insurance Malaysia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Simple example:<\/p>\n\n\n\n<ul><li>Premium before discount = RM1,200<br><\/li><li>Your NCD rate = 45%<br> Premium after discount = RM1,200 \u2013 (45% \u00d7 RM1,200) = <strong>RM660<br><\/strong><\/li><\/ul>\n\n\n\n<p>That means you save <strong>RM540<\/strong> just for not making any claims that year!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Situations_That_Can_Void_Your_NCD\"><\/span><strong>5. Situations That Can Void Your NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Be careful \u2014 your NCD can be lost if you:<\/p>\n\n\n\n<ul><li>Make an <strong>own damage claim<\/strong><strong><br><\/strong><\/li><li>Transfer the vehicle to a <strong>new owner<\/strong><strong><br><\/strong><\/li><li>Switch to another insurer with <strong>incorrect NCD records<\/strong><strong><br><\/strong><\/li><li>File a <strong>minor claim<\/strong> (like a self-inflicted scratch)<br><\/li><\/ul>\n\n\n\n<p>To maintain your NCD, avoid making small claims \u2014 pay out of pocket for repairs below RM500, since your NCD value is usually worth more in savings.<\/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=\"53057\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/guide-to-calculating-ncd-insurance-malaysia-save-up-to-55\/attachment\/4-57-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-57.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=\"4-57\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-57.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-57.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-57.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Graphic showing calculation of NCD (No Claim Discount) for car insurance, with discount percentages and savings highlighted.\" class=\"wp-image-53057\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-57.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-57.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-57.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-57.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-57.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=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Calculating NCD insurance in Malaysia is the easiest way to enjoy major savings when renewing your insurance. Always check your rate before paying to make sure you don\u2019t lose your discount eligibility.<br>If you want to check quickly and compare plans \u2014 you can use <strong>Bjak<\/strong>, which automatically calculates your NCD for you.<\/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=guide-to-calculating-ncd-insurance-malaysia-save-up-to-55\" 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\/5-factors-that-affect-car-insurance-premium\">5 Factors That Affect Car Insurance Premium<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/calculate-car-roadtax-using-online-calculator\">Calculate Car Roadtax Using Online Calculator<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-roadtax-so-expensive-heres-what-most-drivers-dont-know\">Car Roadtax So Expensive? Here\u2019s What Most Drivers Don\u2019t Know<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Learn how to calculate your NCD insurance in Malaysia easily. This guide shows how the NCD discount can help you save up to 55%.<\/p>\n","protected":false},"author":31,"featured_media":53056,"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":[2926,88,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Guide to Calculating NCD Insurance Malaysia: Save Up to 55%! | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Guide to Calculating NCD Insurance Malaysia: Save Up to 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\/car-insurance\/guide-to-calculating-ncd-insurance-malaysia-save-up-to-55\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Guide to Calculating NCD Insurance Malaysia: Save Up to 55%! | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Guide to Calculating NCD Insurance Malaysia: Save Up to 55%!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/guide-to-calculating-ncd-insurance-malaysia-save-up-to-55\" \/>\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=\"2025-10-11T16:14:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:30:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/2-57.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=\"3 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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