{"id":53238,"date":"2026-03-02T22:58:00","date_gmt":"2026-03-02T14:58:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53238"},"modified":"2026-10-05T15:10:49","modified_gmt":"2026-10-05T07:10:49","slug":"ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55","title":{"rendered":"NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55%"},"content":{"rendered":"\n<p>Nak tahu berapa <strong>NCD insurans kereta<\/strong> anda?<\/p>\n\n\n\n<p>NCD atau <em>No Claim Discount<\/em> ialah diskaun yang diberikan kepada pemilik kereta yang tidak membuat tuntutan insurans dalam tempoh polisi.<\/p>\n\n\n\n<p>Semakin lama anda memandu tanpa tuntutan yang menjejaskan NCD, semakin tinggi diskaun yang boleh dikumpulkan sehingga <strong>55%<\/strong> untuk kereta persendirian.<\/p>\n\n\n\n<p>Dalam artikel ini, kami terangkan kadar NCD semasa, cara semak NCD dan bagaimana NCD mempengaruhi harga insurans kereta.<\/p>\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-6ac45b385ece7\" 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-6ac45b385ece7\"><\/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\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\/#Apa_Itu_NCD_dan_Cara_Ia_Berfungsi\" title=\"Apa Itu NCD dan Cara Ia Berfungsi?\">Apa Itu NCD dan Cara Ia Berfungsi?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\/#Contoh_Kiraan_NCD\" title=\"Contoh Kiraan NCD\">Contoh Kiraan NCD<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\/#Cara_Semak_NCD_Insurance_Calculator_Malaysia\" title=\"Cara Semak NCD Insurance Calculator Malaysia\">Cara Semak NCD Insurance Calculator Malaysia<\/a><\/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\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\/#Boleh_Guna_NCD_Calculator_Untuk_Kira_Harga_Insurans\" title=\"Boleh Guna NCD Calculator Untuk Kira Harga Insurans?\">Boleh Guna NCD Calculator Untuk Kira Harga Insurans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\/#Kenapa_NCD_Anda_Boleh_Berubah\" title=\"Kenapa NCD Anda Boleh Berubah?\">Kenapa NCD Anda Boleh Berubah?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\/#Bolehkah_NCD_Dipindahkan_Ke_Kereta_Baharu\" title=\"Bolehkah NCD Dipindahkan Ke Kereta Baharu?\">Bolehkah NCD Dipindahkan Ke Kereta Baharu?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\/#Cara_Mudah_Jimat_Dengan_NCD\" title=\"Cara Mudah Jimat Dengan NCD\">Cara Mudah Jimat Dengan NCD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_NCD_dan_Cara_Ia_Berfungsi\"><\/span>Apa Itu NCD dan Cara Ia Berfungsi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD ialah diskaun pada <strong>premium asas insurans kereta<\/strong> yang diberikan berdasarkan rekod tuntutan.<\/p>\n\n\n\n<p>Untuk kereta persendirian, kadar NCD meningkat mengikut tempoh tanpa tuntutan yang layak.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tempoh Tanpa Tuntutan<\/th><th>Kadar NCD<\/th><\/tr><\/thead><tbody><tr><td>Tahun 1<\/td><td>25%<\/td><\/tr><tr><td>Tahun 2<\/td><td>30%<\/td><\/tr><tr><td>Tahun 3<\/td><td><strong>38.33%<\/strong><\/td><\/tr><tr><td>Tahun 4<\/td><td>45%<\/td><\/tr><tr><td>Tahun 5 dan ke atas<\/td><td><strong>55% (maksimum)<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Kadar ini disahkan oleh Persatuan Insurans Am Malaysia (PIAM) dalam panduan terkini 2026.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Contoh_Kiraan_NCD\"><\/span>Contoh Kiraan NCD<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Katakan premium asas insurans anda ialah <strong>RM1,200<\/strong> dan anda mempunyai NCD sebanyak 45%.<\/p>\n\n\n\n<p>Anggaran diskaun:<\/p>\n\n\n\n<p><strong>RM1,200 \u00d7 45% = RM540<\/strong><\/p>\n\n\n\n<p>Jadi, baki premium selepas NCD ialah kira-kira:<\/p>\n\n\n\n<p><strong>RM1,200 &#8211; RM540 = RM660<\/strong><\/p>\n\n\n\n<p>Ini hanyalah contoh mudah. Harga akhir insurans boleh berbeza kerana premium motor turut dipengaruhi oleh faktor lain seperti jenis perlindungan, kenderaan, risiko dan insurer.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Semak_NCD_Insurance_Calculator_Malaysia\"><\/span>Cara Semak NCD Insurance Calculator Malaysia<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kalau anda mahu tahu NCD sebenar, jangan bergantung kepada kiraan manual sahaja.<\/p>\n\n\n\n<p>Rekod NCD disimpan dalam sistem industri insurans yang dikendalikan oleh <strong>Insurance Services Malaysia (ISM)<\/strong>. ISM menyatakan bahawa sistem CUE Motor digunakan untuk pengesahan NCD, manakala <strong>MyCarInfo<\/strong> menyediakan maklumat NCD kepada orang awam.<\/p>\n\n\n\n<p>Untuk semakan, anda boleh:<\/p>\n\n\n\n<ol><li>Layari portal <strong>MyCarInfo<\/strong>.<\/li><li>Pilih fungsi <strong>NCD Enquiry<\/strong>.<\/li><li>Masukkan nombor pendaftaran kenderaan dan maklumat pengenalan yang diperlukan.<\/li><li>Lengkapkan pengesahan keselamatan.<\/li><li>Semak kadar NCD yang dipaparkan.<\/li><\/ol>\n\n\n\n<p>Jika terdapat perbezaan antara rekod semakan dengan rekod insurer, hubungi syarikat insurans atau pengendali takaful anda untuk pengesahan.<\/p>\n\n\n\n<p><strong>NCD bukan semakan JPJ.<\/strong> Jadi, elakkan menggunakan frasa seperti \u201csemakan rasmi JPJ\u201d dalam artikel ini.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Boleh_Guna_NCD_Calculator_Untuk_Kira_Harga_Insurans\"><\/span>Boleh Guna NCD Calculator Untuk Kira Harga Insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ya, tetapi kalkulator hanya memberikan <strong>anggaran<\/strong>.<\/p>\n\n\n\n<p>Contohnya:<\/p>\n\n\n\n<p><strong>Premium asas: RM1,500<\/strong><br><strong>NCD: 55%<\/strong><br><strong>Diskaun: RM825<\/strong><br><strong>Baki selepas NCD: RM675<\/strong><\/p>\n\n\n\n<p>Namun, jumlah yang anda perlu bayar mungkin berbeza kerana premium motor ditentukan berdasarkan faktor risiko dan harga pasaran yang ditetapkan oleh insurer atau takaful operator. Bank Negara Malaysia juga menasihatkan pemilik kenderaan supaya menyemak NCD, nilai kenderaan, jumlah perlindungan dan terma polisi sebelum membeli insurans.<\/p>\n\n\n\n<p>Jadi, <strong>NCD 55% tidak bermaksud harga akhir insurans automatik menjadi 55% lebih murah daripada semua caj dalam polisi<\/strong>. Ia merujuk kepada diskaun pada premium asas yang berkenaan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kenapa_NCD_Anda_Boleh_Berubah\"><\/span>Kenapa NCD Anda Boleh Berubah?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD boleh berubah bergantung pada tuntutan dan status polisi.<\/p>\n\n\n\n<p>Contohnya, tuntutan <em>Own Damage<\/em> yang menjejaskan NCD boleh menyebabkan kelayakan NCD hilang pada pembaharuan seterusnya. Sebaliknya, tuntutan <em>Own Damage Knock-for-Knock<\/em> bagi kemalangan yang bukan salah anda boleh, dalam keadaan tertentu, dibuat tanpa menjejaskan NCD.<\/p>\n\n\n\n<p>NCD juga boleh terjejas apabila terdapat <strong>gap antara polisi insurans<\/strong>. Jika polisi tidak diperbaharui dalam tempoh 90 hari selepas tamat, NCD akan hilang dan kembali ke 0%.<\/p>\n\n\n\n<p>Cara NCD dikekalkan selepas polisi tamat boleh bergantung pada rekod dan terma yang digunakan oleh insurer atau takaful operator.<\/p>\n\n\n\n<p>Sebagai contoh, BJAK mempunyai panduan berasingan mengenai tempoh gap NCD dan menyatakan bahawa NCD boleh menurun secara berperingkat selepas tempoh tertentu, bukannya terus menjadi 0% dalam semua keadaan.<\/p>\n\n\n\n<p>Sebab itu, jika polisi anda sudah lama tamat, <strong>semak rekod NCD melalui MyCarInfo\/ISM atau terus dengan insurer<\/strong> sebelum membuat pembaharuan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bolehkah_NCD_Dipindahkan_Ke_Kereta_Baharu\"><\/span>Bolehkah NCD Dipindahkan Ke Kereta Baharu?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ya, NCD yang terkumpul boleh dipindahkan ke kenderaan baharu dalam keadaan yang memenuhi syarat.<\/p>\n\n\n\n<p>PIAM menyatakan bahawa NCD yang terkumpul boleh dipindahkan ke kenderaan baharu, tertakluk kepada terma dan syarat yang berkenaan.<\/p>\n\n\n\n<p>Ini bermakna anda tidak semestinya perlu membina NCD dari 0% apabila membeli kereta baharu.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Mudah_Jimat_Dengan_NCD\"><\/span>Cara Mudah Jimat Dengan NCD<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD boleh membantu mengurangkan kos premium insurans, terutamanya apabila anda sudah mencapai kadar 55%.<\/p>\n\n\n\n<p>Sebelum renew:<\/p>\n\n\n\n<ol><li><strong>Semak NCD semasa<\/strong> melalui MyCarInfo\/ISM.<\/li><li><strong>Bandingkan sebut harga<\/strong> daripada beberapa insurer atau takaful operator.<\/li><li>Semak jenis perlindungan yang ditawarkan.<\/li><li>Lihat add-on yang diperlukan dan kosnya.<\/li><li>Pastikan maklumat kenderaan dan NCD adalah betul.<\/li><\/ol>\n\n\n\n<p>Di BJAK, anda boleh mendapatkan dan membandingkan sebut harga daripada <strong>16 insurer dan pengendali takaful<\/strong> dalam satu platform.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"62645\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\/attachment\/ncd-insurance-calculator-malaysia\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/NCD-Insurance-Calculator-Malaysia.webp?fit=1080%2C683&amp;ssl=1\" data-orig-size=\"1080,683\" 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;0&quot;}\" data-image-title=\"NCD-Insurance-Calculator-Malaysia\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/NCD-Insurance-Calculator-Malaysia.webp?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/NCD-Insurance-Calculator-Malaysia.webp?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/NCD-Insurance-Calculator-Malaysia.webp?resize=1080%2C683&#038;ssl=1\" alt=\"\" class=\"wp-image-62645\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/NCD-Insurance-Calculator-Malaysia.webp?w=1080&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/NCD-Insurance-Calculator-Malaysia.webp?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/10\/NCD-Insurance-Calculator-Malaysia.webp?resize=768%2C486&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span>Kesimpulan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD ialah salah satu faktor penting yang boleh membantu mengurangkan kos insurans kereta.<\/p>\n\n\n\n<p>Untuk kereta persendirian, kadar NCD boleh meningkat sehingga <strong>55%<\/strong>, dengan kadar tahun ketiga yang betul ialah <strong>38.33%<\/strong>.<\/p>\n\n\n\n<p>Jika anda tidak pasti berapa NCD yang anda ada, jangan buat andaian berdasarkan tahun polisi sahaja. <strong>Semak rekod NCD melalui MyCarInfo\/ISM atau dapatkan pengesahan daripada insurer atau takaful operator anda.<\/strong><\/p>\n\n\n\n<p>Selepas mengetahui NCD anda, barulah lebih mudah untuk membandingkan harga insurans dan melihat berapa banyak yang boleh dijimatkan.<\/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\/car-insurance?utm_source=blog&amp;utm_campaign=ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\" style=\"background-color:#ffd103\">Dapatkan Sebutharga Percuma<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p> Ketahui cara semak diskaun NCD hingga 55% menggunakan kalkulator NCD Malaysia. Artikel ini terangkan cara kira, faktor kehilangan diskaun, dan platform semakan mudah seperti BJAK.<\/p>\n","protected":false},"author":31,"featured_media":53298,"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":[2949,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55% | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55%. Ketahui cara kira &amp; syarat untuk kekalkan diskaun anda\" \/>\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-insurance-calculator-malaysia-semak-diskaun-hingga-55\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55% | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55%. Ketahui cara kira &amp; syarat untuk kekalkan diskaun anda\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\" \/>\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=\"2026-03-02T14:58:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-05T07:10:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-83.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=\"Tariq Siregar\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 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! Fastest way to renew in Malaysia!\",\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bjak.my\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#primaryimage\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-83.jpg?fit=1600%2C1012&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-83.jpg?fit=1600%2C1012&ssl=1\",\"width\":1600,\"height\":1012,\"caption\":\"NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55%\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\",\"name\":\"NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55% | BJAK\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#primaryimage\"},\"datePublished\":\"2026-03-02T14:58:00+00:00\",\"dateModified\":\"2026-10-05T07:10:49+00:00\",\"description\":\"BJAK | Insurans Kereta | Read about: NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55%. Ketahui cara kira & syarat untuk kekalkan diskaun anda\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55%\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\"},\"headline\":\"NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55%\",\"datePublished\":\"2026-03-02T14:58:00+00:00\",\"dateModified\":\"2026-10-05T07:10:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#webpage\"},\"wordCount\":729,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-83.jpg?fit=1600%2C1012&ssl=1\",\"keywords\":[\"insurance calculator\",\"NCD\"],\"articleSection\":[\"Insurans Kereta\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\",\"name\":\"Tariq Siregar\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g\",\"caption\":\"Tariq Siregar\"},\"description\":\"BJAK Content Team creates engaging and informative content for BJAK, Southeast Asia's largest online insurance platform. They specialize in making insurance and financial services more accessible to Malaysians through clear, user-focused articles that help readers make confident decisions about their coverage options\",\"url\":\"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55% | BJAK","description":"BJAK | Insurans Kereta | Read about: NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55%. Ketahui cara kira & syarat untuk kekalkan diskaun anda","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55","og_locale":"en_US","og_type":"article","og_title":"NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55% | BJAK","og_description":"BJAK | Insurans Kereta | Read about: NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55%. Ketahui cara kira & syarat untuk kekalkan diskaun anda","og_url":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2026-03-02T14:58:00+00:00","article_modified_time":"2026-10-05T07:10:49+00:00","og_image":[{"width":1600,"height":1012,"url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-83.jpg?fit=1600%2C1012&ssl=1","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"Tariq Siregar","Est. reading time":"4 minutes"},"schema":{"@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! Fastest way to renew in Malaysia!","publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bjak.my\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#primaryimage","url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-83.jpg?fit=1600%2C1012&ssl=1","contentUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-83.jpg?fit=1600%2C1012&ssl=1","width":1600,"height":1012,"caption":"NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55%"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#webpage","url":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55","name":"NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55% | BJAK","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#primaryimage"},"datePublished":"2026-03-02T14:58:00+00:00","dateModified":"2026-10-05T07:10:49+00:00","description":"BJAK | Insurans Kereta | Read about: NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55%. Ketahui cara kira & syarat untuk kekalkan diskaun anda","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55%"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8"},"headline":"NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55%","datePublished":"2026-03-02T14:58:00+00:00","dateModified":"2026-10-05T07:10:49+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#webpage"},"wordCount":729,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55#primaryimage"},"thumbnailUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-83.jpg?fit=1600%2C1012&ssl=1","keywords":["insurance calculator","NCD"],"articleSection":["Insurans Kereta"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8","name":"Tariq Siregar","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g","caption":"Tariq Siregar"},"description":"BJAK Content Team creates engaging and informative content for BJAK, Southeast Asia's largest online insurance platform. They specialize in making insurance and financial services more accessible to Malaysians through clear, user-focused articles that help readers make confident decisions about their coverage options","url":"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my"}]}},"jetpack_featured_media_url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-83.jpg?fit=1600%2C1012&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/53238"}],"collection":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=53238"}],"version-history":[{"count":6,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/53238\/revisions"}],"predecessor-version":[{"id":62862,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/53238\/revisions\/62862"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/53298"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=53238"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=53238"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=53238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}