{"id":53134,"date":"2025-10-14T23:40:54","date_gmt":"2025-10-14T15:40:54","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53134"},"modified":"2025-11-05T16:57:51","modified_gmt":"2025-11-05T08:57:51","slug":"transfer-your-old-ncd-to-a-new-car","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/transfer-your-old-ncd-to-a-new-car","title":{"rendered":"Transfer Your Old NCD to a New Car"},"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-6a09bad411daa\" 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-6a09bad411daa\"><\/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\/transfer-your-old-ncd-to-a-new-car\/#Introduction\" title=\"Introduction\">Introduction<\/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\/transfer-your-old-ncd-to-a-new-car\/#What_is_NCD_No_Claim_Discount\" title=\"What is NCD (No Claim Discount)?\">What is NCD (No Claim Discount)?<\/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\/transfer-your-old-ncd-to-a-new-car\/#Can_NCD_Be_Transferred_When_Buying_a_New_Car\" title=\"Can NCD Be Transferred When Buying a New Car?\">Can NCD Be Transferred When Buying a New Car?<\/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\/transfer-your-old-ncd-to-a-new-car\/#How_to_Transfer_NCD_Easily\" title=\"How to Transfer NCD Easily\">How to Transfer NCD Easily<\/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\/transfer-your-old-ncd-to-a-new-car\/#What_Happens_If_You_Don%E2%80%99t_Transfer_NCD\" title=\"What Happens If You Don\u2019t Transfer NCD?\">What Happens If You Don\u2019t Transfer 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\/transfer-your-old-ncd-to-a-new-car\/#Frequently_Asked_Questions_FAQ\" title=\"Frequently Asked Questions (FAQ)\">Frequently Asked Questions (FAQ)<\/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\/car-insurance\/transfer-your-old-ncd-to-a-new-car\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When you purchased a new car, don&#8217;t pay the full price for the policy, ensure that your NCD is available for transfer for a cheaper premium. This article explains how NCD works, how to transfer it to a new car, and what to avoid so you don\u2019t lose your discount.<\/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=\"53195\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/transfer-your-old-ncd-to-a-new-car\/attachment\/4-70-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-70.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=\"4-70\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-70.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-70.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\/4-70.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"\u201cInfographic showing the process of transferring NCD from an old car to a new car in Malaysia.\" class=\"wp-image-53195\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-70.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-70.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-70.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-70.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-70.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=\"What_is_NCD_No_Claim_Discount\"><\/span><strong>What is NCD (No Claim Discount)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD is a discount that accumulates over time without ever having filed a claim to disrupt the continuous renewal.<br>The discount increases each year, up to a maximum of 55% for private cars.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><tbody><tr><td><strong>Years Without Claim<\/strong><\/td><td><strong>NCD Rate<\/strong><\/td><\/tr><tr><td>1 Year<\/td><td>25%<\/td><\/tr><tr><td>2 Years<\/td><td>30%<\/td><\/tr><tr><td>3 Years<\/td><td>38.33%<\/td><\/tr><tr><td>4 Years<\/td><td>45%<\/td><\/tr><tr><td>5 Years &amp; above<\/td><td>55% (maximum)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Can_NCD_Be_Transferred_When_Buying_a_New_Car\"><\/span><strong>Can NCD Be Transferred When Buying a New Car?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Yes &#8211; NCD can be transferred, but only if:<\/p>\n\n\n\n<ul><li>Both vehicles are registered under the <strong>same owner<\/strong>, and<br><\/li><li>There are <strong>no active claims<\/strong> or unresolved claims on the old policy.<br><\/li><\/ul>\n\n\n\n<p>Once old policy expired or cancelled, you may transfer the NCD to your new vehcile.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_to_Transfer_NCD_Easily\"><\/span><strong>How to Transfer NCD Easily<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li>Check your NCD status on <strong>JPJ, MyEG, or BJAK<\/strong>.<br><\/li><li>Enter your old registration number to view the current NCD rate.<br><\/li><li>Contact your new or old insurance company to request the transfer.<br><\/li><li>Provide supporting documents (copy of old &amp; new car registration, IC).<br><\/li><li>Ensure NCD available before purchase.<br><\/li><\/ol>\n\n\n\n<p><strong>BJAK Advantage:<\/strong> If you purchase insurance through BJAK, the system automatically checks and transfers your discount to the new policy without manual forms.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_Happens_If_You_Don%E2%80%99t_Transfer_NCD\"><\/span><strong>What Happens If You Don\u2019t Transfer NCD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you do not transfer your NCD, you will pay the <strong>full premium (0% discount)<\/strong> on the new car.<br>Moreover, if you leave it too long (more than a year without an active policy), the NCD may <strong>expire<\/strong> and you\u2019ll have to start from 0%.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQ\"><\/span><strong>Frequently Asked Questions (FAQ)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li><strong>Can NCD be shared between two cars?<\/strong><strong><br><\/strong> No. Each NCD can only be applied to one vehicle at a time.<br><\/li><li><strong>Can NCD be transferred to a family member?<\/strong><strong><br><\/strong> No, except in special cases such as the owner\u2019s death (requires official supporting documents).<br><\/li><li><strong>How long does NCD transfer take via BJAK?<\/strong><strong><br><\/strong> Usually instant, as long as there are no issues with JPJ records or active claims.<br><\/li><\/ol>\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>Switching to a new car doesn\u2019t mean starting over from 0%. With proper checking and NCD transfer, you can continue enjoying discounts of up to <strong>55%<\/strong> without losing benefits. Use <strong>BJAK<\/strong> to check and transfer NCD automatically \u2014 fast, easy, and officially verified by JPJ.<\/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=transfer-your-old-ncd-to-a-new-car\" 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\/learn-to-calculate-roadtax-for-imported-cbu-local-ckd-cars\">Learn to Calculate Roadtax for Imported (CBU) &amp; Local (CKD) Cars<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/guide-to-using-a-car-insurance-calculator-to-get-the-best-price\">Guide to Using a Car Insurance Calculator to Get the Best Price<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/renewing-car-roadtax-without-the-grant-legal-safe\">Renewing Car Roadtax Without the Grant \u2013 Legal &amp; Safe<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Buying a new car? Learn how to transfer your old NCD so your 55% discount isn\u2019t lost. BJAK helps check &#038; transfer automatically.<\/p>\n","protected":false},"author":31,"featured_media":53194,"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":[429,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Transfer Your Old NCD to a New Car | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Transfer Your Old NCD to a New Car . 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