{"id":53234,"date":"2025-10-15T22:57:46","date_gmt":"2025-10-15T14:57:46","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53234"},"modified":"2025-11-03T17:42:45","modified_gmt":"2025-11-03T09:42:45","slug":"kenapa-ncd-anda-turun-walaupun-tak-buat-tuntutan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ncd-anda-turun-walaupun-tak-buat-tuntutan","title":{"rendered":"Kenapa NCD Anda Turun Walaupun Tak Buat Tuntutan?"},"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-69d7bfbdc94ef\" 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-69d7bfbdc94ef\"><\/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-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ncd-anda-turun-walaupun-tak-buat-tuntutan\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ncd-anda-turun-walaupun-tak-buat-tuntutan\/#Kenapa_NCD_Boleh_Turun\" title=\"Kenapa NCD Boleh Turun?\">Kenapa NCD Boleh Turun?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ncd-anda-turun-walaupun-tak-buat-tuntutan\/#Apa_Anda_Boleh_Buat_Jika_NCD_Turun_Tanpa_Sebab\" title=\"Apa Anda Boleh Buat Jika NCD Turun Tanpa Sebab?\">Apa Anda Boleh Buat Jika NCD Turun Tanpa Sebab?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ncd-anda-turun-walaupun-tak-buat-tuntutan\/#Cara_Elak_NCD_Hilang_di_Masa_Depan\" title=\"Cara Elak NCD Hilang di Masa Depan\">Cara Elak NCD Hilang di Masa Depan<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ncd-anda-turun-walaupun-tak-buat-tuntutan\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ramai pemilik kereta akan renew insurans setiap tahun sehingga had tertinggi untuk NCD sahaja. Tetapi majoriti terkejut bila jumlah NCD tersebut mula berturun pada pembelian seterusnya. Ada sahaja beberapa faktor atas sebab jumlah NCD kami boleh menurun atau hilang terus tanpa sedar. Dengan artikel ini akan bincang kenapa NCD turun &amp; cara elak hilang NCD anda sebelum pembelian insurans.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kenapa_NCD_Boleh_Turun\"><\/span><strong>Kenapa NCD Boleh Turun?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Pertukaran Pemilik atau Kenderaan<\/strong><strong><br><\/strong> Bila anda jual kereta lama dan beli kereta baru tanpa pindahkan NCD, sistem akan anggap anda \u201cmula semula\u201d dari 0%. Ini kesilapan paling biasa.<br><\/li><li><strong>Pembaharuan Polisi Tidak Tepat Masa<\/strong><strong><br><\/strong> Jika anda biarkan polisi tamat tempoh lebih 12 bulan tanpa diperbaharui, NCD boleh terbatal secara automatik.<br><\/li><li><strong>Kesalahan Rekod atau Kemas Kini Sistem<\/strong><strong><br><\/strong> Kadang kala, sistem syarikat insurans gagal tarik rekod NCD lama \u2014 terutamanya jika polisi asal dibuat di syarikat lain.<br><\/li><li><strong>Tuntutan Dibatalkan Tetapi Sudah Direkod<\/strong><strong><br><\/strong> Jika pernah buat laporan kemalangan dan kemudian batalkan tuntutan, ada kes di mana sistem masih rekod tuntutan itu sebagai aktif.<br><\/li><li><strong>Pertukaran Jenis Perlindungan<\/strong><strong><br><\/strong> Menukar daripada <em>Comprehensive<\/em> kepada <em>Third Party<\/em> boleh menjejaskan kelayakan NCD dalam sesetengah kes.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apa_Anda_Boleh_Buat_Jika_NCD_Turun_Tanpa_Sebab\"><\/span><strong>Apa Anda Boleh Buat Jika NCD Turun Tanpa Sebab?<\/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>Langkah<\/strong><\/td><td><strong>Tindakan<\/strong><\/td><\/tr><tr><td>1<\/td><td>Semak status NCD melalui portal JPJ atau platform BJAK.<\/td><\/tr><tr><td>2<\/td><td>Sediakan salinan polisi lama dan bukti tiada tuntutan.<\/td><\/tr><tr><td>3<\/td><td>Hubungi syarikat insurans untuk semakan semula rekod.<\/td><\/tr><tr><td>4<\/td><td>Jika perlu, mohon <em>restoration letter<\/em> bagi pulihkan diskaun asal.<\/td><\/tr><\/tbody><\/table><figcaption><em>BJAK Tip:<\/em> Platform <strong>BJAK<\/strong> boleh bantu semak dan sahkan status NCD anda secara automatik semasa pembaharuan insurans.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Elak_NCD_Hilang_di_Masa_Depan\"><\/span><strong>Cara Elak NCD Hilang di Masa Depan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Pastikan pembaharuan dibuat dalam tempoh 12 bulan selepas polisi tamat.<br><\/li><li>Pindahkan NCD setiap kali tukar kereta baru.<br><\/li><li>Simpan salinan polisi terdahulu sebagai rujukan.<br><\/li><li>Gunakan satu platform tetap (contohnya BJAK) untuk elak rekod NCD berselerak.<br><\/li><\/ul>\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 yang turun tanpa sebab memang mengecewakan, tapi dengan sedikit kesedaran dan semakan berkala, anda boleh elak diskaun hilang begitu saja. Gunakan platform seperti <strong>BJAK<\/strong> untuk pantau status NCD, perbaharui insurans tepat masa, dan kekalkan penjimatan maksimum hingga 55%.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53296\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ncd-anda-turun-walaupun-tak-buat-tuntutan\/attachment\/3-82-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-82.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=\"3-82\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-82.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-82.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\/3-82.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"\u201cInfografik sebab NCD turun walaupun tiada tuntutan insurans kereta.\u201d\n\" class=\"wp-image-53296\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-82.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-82.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-82.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-82.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-82.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=kenapa-ncd-anda-turun-walaupun-tak-buat-tuntutan\" 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\/5-kesilapan-biasa-beli-insurans-kereta\">5 Kesilapan Biasa Beli Insurans Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-bjak-bantu-banding-harga-insurans-kereta\">Cara BJAK Bantu Banding Harga Insurans Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/perbezaan-roadtax-kereta-ev-vs-biasa-di-malaysia\">Perbezaan Roadtax Kereta EV vs Biasa di Malaysia<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> NCD boleh turun walaupun anda tak buat tuntutan. Ketahui punca sebenar dan langkah untuk pulihkan diskaun insurans kereta anda.<\/p>\n","protected":false},"author":31,"featured_media":53295,"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":[424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kenapa NCD Anda Turun Walaupun Tak Buat Tuntutan? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Kenapa NCD Anda Turun Walaupun Tak Buat Tuntutan? 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