{"id":53113,"date":"2025-10-14T23:33:23","date_gmt":"2025-10-14T15:33:23","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53113"},"modified":"2025-11-03T17:43:00","modified_gmt":"2025-11-03T09:43:00","slug":"ncd-insurans-malaysia-mitos-fakta-ramai-salah-faham","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurans-malaysia-mitos-fakta-ramai-salah-faham","title":{"rendered":"NCD Insurans Malaysia: Mitos &#038; Fakta Ramai Salah Faham"},"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-69d7bfb374411\" 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-69d7bfb374411\"><\/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-insurans-malaysia-mitos-fakta-ramai-salah-faham\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/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-insurans-malaysia-mitos-fakta-ramai-salah-faham\/#1_Mitos_NCD_Akan_Hilang_Bila_Tukar_Kereta\" title=\"1. Mitos: NCD Akan Hilang Bila Tukar Kereta\">1. Mitos: NCD Akan Hilang Bila Tukar Kereta<\/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-insurans-malaysia-mitos-fakta-ramai-salah-faham\/#2_Mitos_NCD_Boleh_Dikongsi_Dengan_Ahli_Keluarga\" title=\"2. Mitos: NCD Boleh Dikongsi Dengan Ahli Keluarga\">2. Mitos: NCD Boleh Dikongsi Dengan Ahli Keluarga<\/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-insurans-malaysia-mitos-fakta-ramai-salah-faham\/#3_Mitos_Claim_Kecil_Tak_Jejas_NCD\" title=\"3. Mitos: Claim Kecil Tak Jejas NCD\">3. Mitos: Claim Kecil Tak Jejas 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-insurans-malaysia-mitos-fakta-ramai-salah-faham\/#4_Mitos_NCD_Sama_Untuk_Semua_Jenis_Perlindungan\" title=\"4. Mitos: NCD Sama Untuk Semua Jenis Perlindungan\">4. Mitos: NCD Sama Untuk Semua Jenis Perlindungan<\/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-insurans-malaysia-mitos-fakta-ramai-salah-faham\/#5_Mitos_Syarikat_Insurans_Tentukan_Sendiri_NCD\" title=\"5. Mitos: Syarikat Insurans Tentukan Sendiri NCD\">5. Mitos: Syarikat Insurans Tentukan Sendiri NCD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurans-malaysia-mitos-fakta-ramai-salah-faham\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD (No Claim Discount) Insurans Malaysia sering disalah tafsir oleh ramai pemilik kenderaan. Ada yang fikir NCD akan hilang setiap kali tukar kereta, atau ia boleh dikongsi dengan ahli keluarga. Hakikatnya, banyak mitos seputar NCD yang buat orang keliru semasa renew insurans.<br>Artikel ini jelaskan dengan ringkas perbezaan antara <em>mitos<\/em> dan <em>fakta sebenar<\/em> supaya anda boleh manfaatkan diskaun maksimum 55% dengan bijak.<\/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=\"53177\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurans-malaysia-mitos-fakta-ramai-salah-faham\/attachment\/3-73-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-73.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=\"3-73\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-73.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-73.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\/3-73.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik dua lajur tunjuk perbezaan antara mitos dan fakta NCD di Malaysia seperti pemindahan, perkongsian, dan kesan tuntutan.\" class=\"wp-image-53177\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-73.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-73.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-73.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-73.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-73.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=\"1_Mitos_NCD_Akan_Hilang_Bila_Tukar_Kereta\"><\/span><strong>1. Mitos: NCD Akan Hilang Bila Tukar Kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ramai fikir bila beli kereta baru, NCD akan mula dari kosong.<br><strong>Fakta:<\/strong> Anda boleh pindahkan NCD lama ke kenderaan baru <strong>jika didaftarkan atas nama sama<\/strong>. Hanya perlu maklumkan kepada syarikat insurans semasa pembelian polisi baharu.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Mitos_NCD_Boleh_Dikongsi_Dengan_Ahli_Keluarga\"><\/span><strong>2. Mitos: NCD Boleh Dikongsi Dengan Ahli Keluarga<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ada juga yang cuba gunakan NCD milik pasangan atau ibu bapa untuk kereta sendiri.<br><strong>Fakta:<\/strong> NCD ialah hak individu dan <strong>tidak boleh dikongsi<\/strong> antara orang lain, walaupun dalam keluarga terdekat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Mitos_Claim_Kecil_Tak_Jejas_NCD\"><\/span><strong>3. Mitos: Claim Kecil Tak Jejas NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sesetengah orang fikir jika tuntutan kecil, NCD kekal sama.<br><strong>Fakta:<\/strong> <strong>Semua tuntutan insurans<\/strong> (kecuali kerosakan windscreen jika ada add-on) akan menyebabkan NCD kembali ke 0%.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Mitos_NCD_Sama_Untuk_Semua_Jenis_Perlindungan\"><\/span><strong>4. Mitos: NCD Sama Untuk Semua Jenis Perlindungan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ramai sangka NCD hanya untuk pelan <em>Comprehensive<\/em>.<br><strong>Fakta:<\/strong> NCD juga digunakan untuk pelan <em>3rd Party, Fire &amp; Theft<\/em>, dengan kadar diskaun yang sama bergantung kepada tahun tanpa tuntutan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Mitos_Syarikat_Insurans_Tentukan_Sendiri_NCD\"><\/span><strong>5. Mitos: Syarikat Insurans Tentukan Sendiri NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ada anggapan setiap syarikat ada kadar sendiri.<br><strong>Fakta:<\/strong> NCD ialah <strong>kadar standard ditetapkan oleh Persatuan Insurans Am Malaysia (PIAM)<\/strong> \u2014 sama untuk semua syarikat.<\/p>\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 bukan sekadar diskaun, tapi ganjaran untuk pemandu yang berhemah dan tidak membuat tuntutan. Dengan memahami fakta sebenar, anda boleh elak rugi dan kekalkan kadar diskaun tertinggi setiap tahun. Sebelum renew insurans, semak NCD terkini anda di platform seperti <strong>BJAK<\/strong>, yang tunjuk kadar diskaun automatik berdasarkan rekod lama anda.<\/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-insurans-malaysia-mitos--fakta-ramai-salah-faham\" 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\/panduan-kira-ncd-insurance-malaysia-jimat-hingga-55\">Panduan Kira NCD Insurance Malaysia: Jimat Hingga 55%!<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/ncd-insurance-bagaimana-klaim-kecil-boleh-jejaskan-diskaun\">NCD Insurance: Bagaimana Klaim Kecil Boleh Jejaskan Diskaun<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax-hilang-langkah-untuk-penggantian-baharu\">Roadtax Hilang? Langkah Untuk Penggantian Baharu<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ramai salah faham tentang NCD kereta. Ketahui mitos dan fakta sebenar supaya anda tak hilang diskaun 55% semasa renew insurans.<\/p>\n","protected":false},"author":31,"featured_media":53176,"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":[93,137,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NCD Insurans Malaysia: Mitos &amp; Fakta Ramai Salah Faham | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: NCD Insurans Malaysia: Mitos &amp; Fakta Ramai Salah Faham semasa ingin renew insurans kereta.\" \/>\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-insurans-malaysia-mitos-fakta-ramai-salah-faham\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NCD Insurans Malaysia: Mitos &amp; Fakta Ramai Salah Faham | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: NCD Insurans Malaysia: Mitos &amp; Fakta Ramai Salah Faham semasa ingin renew insurans kereta.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurans-malaysia-mitos-fakta-ramai-salah-faham\" \/>\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=\"2025-10-14T15:33:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-03T09:43:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-73.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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