{"id":52999,"date":"2025-10-12T00:24:39","date_gmt":"2025-10-11T16:24:39","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=52999"},"modified":"2025-10-29T18:30:12","modified_gmt":"2025-10-29T10:30:12","slug":"ncd-insurance-how-small-claims-can-wipe-out-your-discount","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-insurance-how-small-claims-can-wipe-out-your-discount","title":{"rendered":"NCD Insurance: How Small Claims Can Wipe Out Your Discount"},"content":{"rendered":"\n<p>Many drivers think making a small insurance claim won\u2019t have much impact \u2014 but in reality, it can completely reset your NCD (No Claim Discount)!<br>Imagine saving for years without a single claim, then losing your 45% discount just because of a tiny scratch on your car door. Let\u2019s break down why this happens and how you can avoid it.<\/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-6a09a87bb0ff2\" 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-6a09a87bb0ff2\"><\/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\/ncd-insurance-how-small-claims-can-wipe-out-your-discount\/#1_What_Is_NCD_and_Why_It_Matters\" title=\"1. What Is NCD and Why It Matters\">1. What Is NCD and Why It Matters<\/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\/ncd-insurance-how-small-claims-can-wipe-out-your-discount\/#2_What_Counts_as_a_%E2%80%98Small_Claim%E2%80%99\" title=\"2. What Counts as a \u2018Small Claim\u2019\">2. What Counts as a \u2018Small Claim\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\/car-insurance\/ncd-insurance-how-small-claims-can-wipe-out-your-discount\/#3_Example_The_Impact_of_Losing_NCD\" title=\"3. Example: The Impact of Losing NCD\">3. Example: The Impact of Losing 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\/ncd-insurance-how-small-claims-can-wipe-out-your-discount\/#4_When_Claims_Don%E2%80%99t_Affect_NCD\" title=\"4. When Claims Don\u2019t Affect NCD\">4. When Claims Don\u2019t Affect 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\/car-insurance\/ncd-insurance-how-small-claims-can-wipe-out-your-discount\/#5_How_to_Check_Your_NCD_Status\" title=\"5. How to Check Your NCD Status\">5. How to Check Your NCD Status<\/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\/ncd-insurance-how-small-claims-can-wipe-out-your-discount\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_What_Is_NCD_and_Why_It_Matters\"><\/span><strong>1. What Is NCD and Why It Matters<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD is a discount given to vehicle owners who don\u2019t make any insurance claims during their coverage period.<br>It can go up to <strong>55%<\/strong> for private cars. But once you file a claim under your own policy (own damage), your NCD will <strong>reset to 0%<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_What_Counts_as_a_%E2%80%98Small_Claim%E2%80%99\"><\/span><strong>2. What Counts as a \u2018Small Claim\u2019<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Small claims usually refer to minor damage such as:<\/p>\n\n\n\n<ul><li>Broken side mirror<br><\/li><li>Light bumper scratches<br><\/li><li>Cracked headlamp from a minor collision<br><\/li><\/ul>\n\n\n\n<p>The repair cost might be only <strong>RM400\u2013RM600<\/strong>, but if you use your insurance to cover it \u2014 you\u2019ll lose an NCD discount that\u2019s worth much more in the long run!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Example_The_Impact_of_Losing_NCD\"><\/span><strong>3. Example: The Impact of Losing 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>Situation<\/strong><\/td><td><strong>Original Premium<\/strong><\/td><td><strong>NCD 45%<\/strong><\/td><td><strong>After Claim<\/strong><\/td><\/tr><tr><td>No claim<\/td><td>RM1,200<\/td><td>RM660<\/td><td>Save RM540<\/td><\/tr><tr><td>Small claim<\/td><td>RM1,200<\/td><td>No discount<\/td><td>Pay RM1,200 again<\/td><\/tr><\/tbody><\/table><figcaption>So, if the repair cost is under <strong>RM500<\/strong>, it\u2019s better to pay out of pocket \u2014 because the <strong>45% discount loss<\/strong> is far costlier next year.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_When_Claims_Don%E2%80%99t_Affect_NCD\"><\/span><strong>4. When Claims Don\u2019t Affect NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your NCD will remain intact if you:<\/p>\n\n\n\n<ul><li>Make a <strong>third-party claim<\/strong><strong><br><\/strong><\/li><li>Claim under <strong>add-on benefits<\/strong> (e.g., windscreen or flood coverage)<br><\/li><li>The claim is made under <strong>someone else\u2019s policy<\/strong>, not yours<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_How_to_Check_Your_NCD_Status\"><\/span><strong>5. How to Check Your NCD Status<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You can check your NCD rate via:<\/p>\n\n\n\n<ul><li><strong>JPJ \/ MyJPJ<\/strong> (official vehicle records)<br><\/li><li><strong>Bjak.my<\/strong> \u2014 just enter your car plate number, and the system instantly shows your current NCD and premium estimate<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=\"53072\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-insurance-how-small-claims-can-wipe-out-your-discount\/attachment\/4-62-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-62.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=\"4-62\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-62.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-62.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\/4-62.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Graphic showing effect of small insurance claims on NCD discount, with visual of claim history reducing discount.\" class=\"wp-image-53072\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-62.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-62.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-62.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-62.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-62.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>Small claims might look harmless, but losing your NCD discount can be a costly mistake. Before filing a claim, calculate whether it\u2019s truly worth it.<br>To quickly check your NCD rate, use <strong>Bjak\u2019s insurance calculator<\/strong> \u2014 find out your actual discount instantly.<\/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-how-small-claims-can-wipe-out-your-discount\" 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\/car-insurance-calculator-malaysia-compare-premiums-easily\">Car Insurance Calculator Malaysia: Compare Premiums Easily<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/malaysia-road-tax-calculator-uses-benefits\">Malaysia Road Tax Calculator: Uses &amp; Benefits<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/guide-to-car-roadtax-what-is-required\">Guide to Car RoadTax: What is Required<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Don\u2019t make small claims blindly! Learn how minor claims can erase your NCD discount and how to avoid losing your insurance savings.<\/p>\n","protected":false},"author":31,"featured_media":53071,"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>NCD Insurance: How Small Claims Can Wipe Out Your Discount | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: NCD Insurance: How Small Claims Can Wipe Out Your Discount . 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