{"id":53146,"date":"2025-10-14T23:43:02","date_gmt":"2025-10-14T15:43:02","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53146"},"modified":"2025-10-29T18:30:10","modified_gmt":"2025-10-29T10:30:10","slug":"ncd-in-malaysia-common-myths-facts-about-car-insurance-discounts","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-in-malaysia-common-myths-facts-about-car-insurance-discounts","title":{"rendered":"NCD in Malaysia: Common Myths &#038; Facts About Car Insurance Discounts"},"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-69d7bfb2e0781\" 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-69d7bfb2e0781\"><\/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-in-malaysia-common-myths-facts-about-car-insurance-discounts\/#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\/ncd-in-malaysia-common-myths-facts-about-car-insurance-discounts\/#1_Myth_NCD_Will_Be_Lost_When_Changing_Cars\" title=\"1. Myth: NCD Will Be Lost When Changing Cars\">1. Myth: NCD Will Be Lost When Changing Cars<\/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-in-malaysia-common-myths-facts-about-car-insurance-discounts\/#2_Myth_NCD_Can_Be_Shared_with_Family\" title=\"2. Myth: NCD Can Be Shared with Family\">2. Myth: NCD Can Be Shared with Family<\/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-in-malaysia-common-myths-facts-about-car-insurance-discounts\/#3_Myth_Small_Claims_Don%E2%80%99t_Affect_NCD\" title=\"3. Myth: Small Claims Don\u2019t Affect NCD\">3. Myth: Small 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-in-malaysia-common-myths-facts-about-car-insurance-discounts\/#4_Myth_NCD_Only_Applies_to_Comprehensive_Coverage\" title=\"4. Myth: NCD Only Applies to Comprehensive Coverage\">4. Myth: NCD Only Applies to Comprehensive Coverage<\/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-in-malaysia-common-myths-facts-about-car-insurance-discounts\/#5_Myth_Each_Insurer_Determines_Its_Own_NCD\" title=\"5. Myth: Each Insurer Determines Its Own NCD\">5. Myth: Each Insurer Determines Its Own 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\/car-insurance\/ncd-in-malaysia-common-myths-facts-about-car-insurance-discounts\/#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>NCD (No Claim Discount) is often misunderstood by many car owners. Some think NCD disappears every time they change cars, or that it can be shared with family members. In reality, there are several myths surrounding NCD that can confuse drivers when renewing insurance. This article clarifies the main myths versus facts so you can maximize your <strong>up to 55% discount<\/strong> wisely.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Myth_NCD_Will_Be_Lost_When_Changing_Cars\"><\/span><strong>1. Myth: NCD Will Be Lost When Changing Cars<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Fact:<\/strong> You can transfer your existing NCD to a new vehicle as long as it\u2019s registered under the same name. Simply inform your insurer when purchasing the new policy.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Myth_NCD_Can_Be_Shared_with_Family\"><\/span><strong>2. Myth: NCD Can Be Shared with Family<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Fact:<\/strong> NCD is individual-specific and cannot be shared, even with close family members.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Myth_Small_Claims_Don%E2%80%99t_Affect_NCD\"><\/span><strong>3. Myth: Small Claims Don\u2019t Affect NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Fact:<\/strong> Any insurance claim (except windscreen damage if add-on is included) will reset your NCD to 0%.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Myth_NCD_Only_Applies_to_Comprehensive_Coverage\"><\/span><strong>4. Myth: NCD Only Applies to Comprehensive Coverage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Fact:<\/strong> NCD also applies to 3rd Party, Fire &amp; Theft policies, with the same discount rate depending on years without claim.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Myth_Each_Insurer_Determines_Its_Own_NCD\"><\/span><strong>5. Myth: Each Insurer Determines Its Own NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Fact:<\/strong> NCD rates are standardized by the <strong>General Insurance Association of Malaysia (PIAM)<\/strong> \u2014 the same for all insurers.<\/p>\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>NCD isn\u2019t just a discount \u2014 it\u2019s a reward for careful drivers who make no claims. By understanding the real facts, you can avoid losing benefits and maintain the highest discount each year. Before renewing, check your current NCD using platforms like <strong>BJAK<\/strong>, which automatically displays your discount based on your previous record.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53207\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-in-malaysia-common-myths-facts-about-car-insurance-discounts\/attachment\/4-74-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-74.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=\"4-74\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-74.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-74.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\/4-74.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" \u201cTwo-column infographic showing the differences between NCD myths and facts in Malaysia, including transfer, sharing, and impact of claims.\u201d\" class=\"wp-image-53207\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-74.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-74.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-74.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-74.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-74.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\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-in-malaysia-common-myths--facts-about-car-insurance-discounts\" 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-common-mistakes-when-renewing-car-roadtax-online\">5 Common Mistakes When Renewing Car Roadtax Online<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax-calculator-malaysia-vs-manual-best-accuracy\">Roadtax Calculator Malaysia vs Manual \u2013 Best Accuracy?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/guide-to-calculating-ncd-insurance-malaysia-save-up-to-55\">Guide to Calculating NCD Insurance Malaysia: Save Up to 55%!<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Many drivers misunderstand NCD in car insurance. Learn the facts to ensure you don\u2019t lose up to 55% discount when renewing.<\/p>\n","protected":false},"author":31,"featured_media":53206,"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":[424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NCD in Malaysia: Common Myths &amp; Facts About Car Insurance Discounts | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: NCD in Malaysia: Common Myths &amp; Facts About Car Insurance Discounts and how to renew with up to 55% discount.\" \/>\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\/ncd-in-malaysia-common-myths-facts-about-car-insurance-discounts\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NCD in Malaysia: Common Myths &amp; Facts About Car Insurance Discounts | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: NCD in Malaysia: Common Myths &amp; Facts About Car Insurance Discounts and how to renew with up to 55% discount.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-in-malaysia-common-myths-facts-about-car-insurance-discounts\" \/>\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=\"2025-10-14T15:43:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:30:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/2-74.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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