{"id":53257,"date":"2025-10-15T23:05:41","date_gmt":"2025-10-15T15:05:41","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53257"},"modified":"2025-10-29T18:30:09","modified_gmt":"2025-10-29T10:30:09","slug":"how-to-transfer-ncd-insurance-between-vehicles-in-malaysia","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-ncd-insurance-between-vehicles-in-malaysia","title":{"rendered":"How to Transfer NCD Insurance Between Vehicles in Malaysia"},"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-69d46e928b0c3\" 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-69d46e928b0c3\"><\/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\/how-to-transfer-ncd-insurance-between-vehicles-in-malaysia\/#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\/how-to-transfer-ncd-insurance-between-vehicles-in-malaysia\/#Steps_to_Transfer_NCD_Between_Vehicles\" title=\"Steps to Transfer NCD Between Vehicles\">Steps to Transfer NCD Between Vehicles<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-ncd-insurance-between-vehicles-in-malaysia\/#1_Check_Your_Existing_Policy\" title=\"1. Check Your Existing Policy\">1. Check Your Existing Policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-ncd-insurance-between-vehicles-in-malaysia\/#2_Prepare_the_Required_Documents\" title=\"2. Prepare the Required Documents\">2. Prepare the Required Documents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-ncd-insurance-between-vehicles-in-malaysia\/#3_Contact_Your_Insurance_Company_or_BJAK_Platform\" title=\"3. Contact Your Insurance Company or BJAK Platform\">3. Contact Your Insurance Company or BJAK Platform<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-ncd-insurance-between-vehicles-in-malaysia\/#4_Submit_the_Form_Wait_for_Confirmation\" title=\"4. Submit the Form &amp; Wait for Confirmation\">4. Submit the Form &amp; Wait for Confirmation<\/a><\/li><\/ul><\/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\/how-to-transfer-ncd-insurance-between-vehicles-in-malaysia\/#Example_of_NCD_Transfer_Between_Vehicles_Under_the_Same_Owner\" title=\"Example of NCD Transfer Between Vehicles Under the Same Owner\">Example of NCD Transfer Between Vehicles Under the Same Owner<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-ncd-insurance-between-vehicles-in-malaysia\/#Tips_for_Transferring_NCD_Correctly\" title=\"Tips for Transferring NCD Correctly\">Tips for Transferring NCD Correctly<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-ncd-insurance-between-vehicles-in-malaysia\/#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>The No Claim Discount (NCD) is a special discount given to Malaysian vehicle owners that can reduce insurance premiums by up to 55%, offering significant yearly savings. However, many drivers don\u2019t realize that the NCD can actually be transferred to another vehicle \u2014 as long as both are registered under the same NRIC and vehicle type. This guide explains the correct way to transfer NCD insurance for your new car so you can continue saving on your premiums.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Steps_to_Transfer_NCD_Between_Vehicles\"><\/span><strong>Steps to Transfer NCD Between Vehicles<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"1_Check_Your_Existing_Policy\"><\/span><strong>1. Check Your Existing Policy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul><li>Ensure your current policy is still active and no claims have been made.<br><\/li><li>The NCD can only be transferred if the existing policy has been active for at least 12 months.<br><\/li><\/ul>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"2_Prepare_the_Required_Documents\"><\/span><strong>2. Prepare the Required Documents<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul><li>Copy of the new car registration card<br><\/li><li>Copy of your current insurance policy<br><\/li><li>NRIC of the owner (must be the same for both vehicles)<br><\/li><li>NCD transfer form (available from your insurer or platforms like BJAK)<br><\/li><\/ul>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"3_Contact_Your_Insurance_Company_or_BJAK_Platform\"><\/span><strong>3. Contact Your Insurance Company or BJAK Platform<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul><li>Inform them that you want to transfer your NCD to a new vehicle.<br><\/li><li>Submit all documents for verification.<br><strong>BJAK Tip:<\/strong> BJAK can help speed up the process with direct digital verification to panel insurers.<br><\/li><\/ul>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"4_Submit_the_Form_Wait_for_Confirmation\"><\/span><strong>4. Submit the Form &amp; Wait for Confirmation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul><li>Sign and send the NCD transfer form together with supporting documents.<br><\/li><li>Keep a copy of the form for future reference in case of any issues.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Example_of_NCD_Transfer_Between_Vehicles_Under_the_Same_Owner\"><\/span><strong>Example of NCD Transfer Between Vehicles Under the Same Owner<\/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>Original Car<\/strong><\/td><td><strong>NCD (%)<\/strong><\/td><td><strong>New Car<\/strong><\/td><td><strong>Transferred NCD (%)<\/strong><\/td><\/tr><tr><td>Proton Saga<\/td><td>25%<\/td><td>Perodua Bezza<\/td><td>25%<\/td><\/tr><tr><td>Honda Civic<\/td><td>45%<\/td><td>Toyota Corolla<\/td><td>45%<\/td><\/tr><tr><td>Mazda CX-5<\/td><td>55%<\/td><td>Hyundai Tucson<\/td><td>55%<\/td><\/tr><\/tbody><\/table><figcaption><strong>BJAK Tip:<\/strong> Make sure your new vehicle has the same or higher insurance coverage type as your previous one to keep your NCD valid.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Tips_for_Transferring_NCD_Correctly\"><\/span><strong>Tips for Transferring NCD Correctly<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>NCD can only be transferred between vehicles owned by the same person (same NRIC).<br><\/li><li>Ensure the NCD hasn\u2019t expired for more than 12 months.<br><\/li><li>Transfer it to a <strong>Comprehensive<\/strong> policy for full benefits.<br><\/li><li>Keep proof of transfer and verify the discount amount on your new policy before payment.<br><\/li><li>Use <strong>BJAK<\/strong> to check your NCD status online and avoid manual delays.<br><\/li><\/ul>\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>Transferring NCD insurance between vehicles under the same owner is the best way to maintain your discount and save up to 55% on your car insurance premium. By following the correct steps, you\u2019ll avoid losing your NCD and continue enjoying lower premiums each year. Use <strong>BJAK<\/strong> to check and transfer your NCD quickly, safely, and legally online.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53318\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-ncd-insurance-between-vehicles-in-malaysia\/attachment\/4-80-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-80.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=\"4-80\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-80.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-80.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-80.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing how to transfer NCD between vehicles under the same owner in Malaysia.\" class=\"wp-image-53318\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-80.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-80.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-80.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-80.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-80.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=how-to-transfer-ncd-insurance-between-vehicles-in-malaysia\" 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\/how-to-calculate-roadtax-for-diesel-hybrid-ev-cars-in-malaysia\">How to Calculate Roadtax for Diesel, Hybrid &amp; EV Cars in Malaysia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/ev-vs-conventional-car-roadtax-in-malaysia-key-differences\">EV vs Conventional Car Roadtax in Malaysia: Key Differences<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-bjak-helps-you-compare-car-insurance-prices-quickly\">How BJAK Helps You Compare Car Insurance Prices Quickly<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn how to transfer NCD insurance between vehicles under the same owner in Malaysia. Follow these legal steps to keep your discount active when buying a new car.<\/p>\n","protected":false},"author":31,"featured_media":53317,"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":[424,2814],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Transfer NCD Insurance Between Vehicles in Malaysia | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: How to Transfer NCD Insurance Between Vehicles in Malaysia easily &amp; legally to enjoy massive 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\/how-to-transfer-ncd-insurance-between-vehicles-in-malaysia\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Transfer NCD Insurance Between Vehicles in Malaysia | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: How to Transfer NCD Insurance Between Vehicles in Malaysia easily &amp; legally to enjoy massive discount.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-transfer-ncd-insurance-between-vehicles-in-malaysia\" \/>\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=\"2025-10-15T15:05:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:30:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/2-80.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=\"3 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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