{"id":53238,"date":"2025-10-15T22:58:21","date_gmt":"2025-10-15T14:58:21","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53238"},"modified":"2025-11-03T17:42:40","modified_gmt":"2025-11-03T09:42:40","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>Ramai pemilik kenderaan dalam Malaysia tahu mengetahui cara semakan jumlah NCD mereka. Dengan NCD insurance calulator, kami boleh semakan jumlah diskaun yang tersedia &amp; boleh diguna untuk pembelian insurans kenderaan untuk jimat besar dari mengurangkan jumlah harga premium. Dalam artikel akan bincang cara mengguna insurance calculator dalam Malaysia untuk jimat kos pembelanjaan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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-6a09bad3e85a5\" 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-6a09bad3e85a5\"><\/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><\/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\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\/#Cara_Guna_NCD_Insurance_Calculator_Malaysia\" title=\"Cara Guna NCD Insurance Calculator Malaysia\">Cara Guna 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-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\/#Kenapa_NCD_Anda_Boleh_Turun\" title=\"Kenapa NCD Anda Boleh Turun\">Kenapa NCD Anda Boleh Turun<\/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\/#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><strong>Apa Itu NCD dan Cara Ia Berfungsi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD adalah diskaun yang diberi pada pemilik kenderaan selepas pembelian insuran berturut-turut untuk beberapa tahun &amp; jika tiada buat sebarang tuntutan. Ia boleh diguna semasa pembelian insurans kenderaan untuk jimat kos dengan mengurangkan jumlah premium.<br>Semakin lama anda memandu tanpa kemalangan atau tuntutan, semakin tinggi peratusan diskaun anda.<\/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>Tahun Tanpa Tuntutan<\/strong><\/td><td><strong>Kadar NCD (%)<\/strong><\/td><\/tr><tr><td>Tahun 1<\/td><td>25%<\/td><\/tr><tr><td>Tahun 2<\/td><td>30%<\/td><\/tr><tr><td>Tahun 3<\/td><td>38.88%<\/td><\/tr><tr><td>Tahun 4<\/td><td>45%<\/td><\/tr><tr><td>Tahun 5 dan ke atas<\/td><td>55% (Maksimum)<\/td><\/tr><\/tbody><\/table><figcaption><em>Contoh:<\/em> Jika premium asal RM1,200 dan anda layak 45% NCD, anda hanya perlu bayar RM660 untuk tahun berikutnya.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Guna_NCD_Insurance_Calculator_Malaysia\"><\/span><strong>Cara Guna NCD Insurance Calculator Malaysia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kalkulator NCD membolehkan anda semak diskaun dengan cepat tanpa perlu hubungi syarikat insurans. Anda hanya perlu:<\/p>\n\n\n\n<ol><li>Masukkan nombor plat kereta.<br><\/li><li>Pilih jenis insurans (Komprehensif atau Pihak Ketiga).<br><\/li><li>Sistem akan tunjuk kadar NCD semasa dan jumlah premium selepas diskaun.<br><\/li><\/ol>\n\n\n\n<p>Di platform seperti <strong>BJAK<\/strong>, semakan ini dilakukan secara automatik apabila anda masukkan nombor plat semasa mendapatkan sebut harga insurans. Mudah, tepat, dan percuma.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kenapa_NCD_Anda_Boleh_Turun\"><\/span><strong>Kenapa NCD Anda Boleh Turun<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Walaupun anda tidak buat tuntutan, beberapa faktor boleh menyebabkan NCD hilang atau dikurangkan, seperti:<\/p>\n\n\n\n<ul><li>Tukar kereta atau pemilik tanpa pindahkan NCD.<br><\/li><li>Buat tuntutan pihak sendiri (Own Damage).<br><\/li><li>Polisi tamat lebih 12 bulan tanpa diperbaharui.<br><\/li><\/ul>\n\n\n\n<p>Jika ini berlaku, semak dengan insurans anda atau guna semakan rasmi JPJ\/Bjak untuk sahkan status NCD terkini.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Gunakan <strong>NCD Insurance Calculator Malaysia<\/strong> untuk tahu potensi diskaun dan nilai premium sebenar sebelum memperbaharui insurans kereta. Dengan semakan awal, anda boleh <strong>rancang bajet, kekalkan diskaun maksimum 55%, dan elak sebarang kehilangan NCD<\/strong>. Platform seperti <strong>BJAK<\/strong> menjadikannya lebih mudah \u2014 semua info terus dipaparkan, lengkap dengan pilihan syarikat insurans seperti Allianz, Zurich Takaful, Liberty, RHB, P&amp;O Insurance, dan Takaful Malaysia.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53299\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-insurance-calculator-malaysia-semak-diskaun-hingga-55\/attachment\/3-83-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-83.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=\"3-83\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-83.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-83.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\/3-83.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik kadar NCD insurans kereta Malaysia berdasarkan tahun tanpa tuntutan.\n\" class=\"wp-image-53299\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-83.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-83.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-83.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-83.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-83.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-insurance-calculator-malaysia-semak-diskaun-hingga-55\" 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\/cara-kira-roadtax-kereta-diesel-hybrid-ev\">Cara Kira Roadtax Kereta Diesel, Hybrid &amp; EV<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/apakah-market-value-dalam-kalkulator-insurans\">Apakah Market Value Dalam Kalkulator Insurans<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/membawa-ncd-lama-pada-kereta-baharu\">Membawa NCD Lama Pada Kereta Baharu<\/a><\/p>\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 | Read about: NCD Insurance Calculator Malaysia: Semak Diskaun Hingga 55%. 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