{"id":53357,"date":"2025-10-16T22:55:34","date_gmt":"2025-10-16T14:55:34","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53357"},"modified":"2025-11-03T17:58:18","modified_gmt":"2025-11-03T09:58:18","slug":"renew-awal-jimat-ncd-betul-ke","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-awal-jimat-ncd-betul-ke","title":{"rendered":"Renew Awal Jimat NCD, Betul Ke?"},"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-69d4726e422ae\" 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-69d4726e422ae\"><\/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\/insurans-kereta\/renew-awal-jimat-ncd-betul-ke\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/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\/insurans-kereta\/renew-awal-jimat-ncd-betul-ke\/#Apa_Itu_NCD\" title=\"Apa Itu NCD\">Apa Itu NCD<\/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\/insurans-kereta\/renew-awal-jimat-ncd-betul-ke\/#Boleh_Ke_Renew_Awal\" title=\"Boleh Ke Renew Awal?\">Boleh Ke Renew Awal?<\/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\/insurans-kereta\/renew-awal-jimat-ncd-betul-ke\/#Cara_Maksimakan_NCD\" title=\"Cara Maksimakan NCD\">Cara Maksimakan 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\/insurans-kereta\/renew-awal-jimat-ncd-betul-ke\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ramai pemandu dalam Malaysia percaya yang jika renew insurans awal boleh jimat NCD (No Claim Discount). Memang betul, NCD boleh menjimatkan kos perbelanjaan dengan mengurangkan jumlah premium sebelum pembelian. Ramai perlu memahami renew awal tidak semestinya jimat NCD tetapi boleh jimatkan jumlah NCD anda. Artikel ini akan huraikan cara mengguna NCD untuk pembelian insuran melalui BJAK untuk dapatkan polisi dengan cepat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apa_Itu_NCD\"><\/span><strong>Apa Itu NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>NCD (No Claim Discount)<\/strong> ialah diskaun premium berdasarkan tempoh anda tidak membuat tuntutan insurans.<\/p>\n\n\n\n<ul><li>Semakin lama tanpa tuntutan \u2192 diskaun lebih tinggi (boleh capai 55%).<br><\/li><li>NCD hilang atau turun jika anda membuat tuntutan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Boleh_Ke_Renew_Awal\"><\/span><strong>Boleh Ke Renew Awal?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Secara <strong>teknikal<\/strong>, anda boleh renew lebih awal sebelum polisi tamat.<br><\/li><li>Namun, <strong>NCD dikira berdasarkan tarikh tamat polisi lama<\/strong>, bukan tarikh renew.<br><\/li><li>Renew awal <strong>tidak tambah NCD<\/strong> secara automatik, tapi membantu elak tempoh tamat yang boleh menyebabkan denda.<br><\/li><\/ul>\n\n\n\n<p>Tip BJAK: Renew awal berguna untuk plan kewangan atau elak terlupa, tapi <strong>tidak semestinya tambah NCD<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Cara_Maksimakan_NCD\"><\/span><strong>Cara Maksimakan NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li><strong>Elak tuntutan kecil<\/strong> supaya NCD kekal.<br><\/li><li>Semak <strong>tempoh tamat polisi<\/strong> dan plan renew awal supaya tiada gap.<br><\/li><li>Gunakan <strong>BJAK Calculator<\/strong> untuk semak NCD semasa dan premium baru.<br><\/li><li>Bandingkan panel insurans BJAK (Allianz, Takaful Malaysia, P&amp;O Insurance) untuk pilih harga terbaik.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53418\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/renew-awal-jimat-ncd-betul-ke\/attachment\/3-92\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-92.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=\"3-92\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-92.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-92.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\/3-92.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik tunjuk perbandingan renew awal vs polisi tamat, menerangkan NCD tidak bertambah tetapi elak gap atau denda jika renew awal melalui BJAK.\" class=\"wp-image-53418\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-92.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-92.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-92.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-92.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-92.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\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>Renew awal boleh memudahkan urusan tetapi bukan jimat NCD jika sudah jumlah % peringkat maximum dan boleh elak tempoh polisi tamat. Cara terbaik adalah semak NCD semasa menggunakan BJAK Calculator dan banding harga panel insurans supaya bajet tahunan lebih jelas dan jimat.<\/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?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=renew-awal-jimat-ncd-betul-ke\" 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\/kira-roadtax-kereta-komersial-malaysia-dengan-mudah\">Kira Roadtax Kereta Komersial Malaysia Dengan Mudah<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/bjak-bengkel-servis-kereta-dengan-ansuran-rm10\">BJAK Bengkel: Servis Kereta Dengan Ansuran RM10<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/servis-kereta-sekarang-bayar-kemudian-dengan-bjak-bengkel\">Servis Kereta Sekarang, Bayar Kemudian Dengan BJAK Bengkel<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Renew awal insurans tidak menambah NCD, tapi elak gap polisi dan denda. Panduan ini terangkan cara semak NCD semasa, rancang renew awal dengan bijak, dan banding harga panel BJAK supaya kos tahunan lebih jimat dan perlindungan tetap sah.<\/p>\n","protected":false},"author":31,"featured_media":53417,"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>Renew Awal Jimat NCD, Betul Ke? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Renew Awal Jimat NCD, Betul Ke? 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