{"id":53364,"date":"2025-10-16T23:00:02","date_gmt":"2025-10-16T15:00:02","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53364"},"modified":"2025-11-05T16:57:05","modified_gmt":"2025-11-05T08:57:05","slug":"roadtax-ncd-relationship-in-determining-insurance-premiums","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/roadtax-ncd-relationship-in-determining-insurance-premiums","title":{"rendered":"Roadtax &#038; NCD: Relationship in Determining Insurance Premiums"},"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-69d45ca706b9f\" 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-69d45ca706b9f\"><\/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\/roadtax-ncd-relationship-in-determining-insurance-premiums\/#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\/roadtax-ncd-relationship-in-determining-insurance-premiums\/#What_Is_Roadtax\" title=\"What Is Roadtax?\">What Is Roadtax?<\/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\/car-insurance\/roadtax-ncd-relationship-in-determining-insurance-premiums\/#What_Is_NCD_and_Why_It_Matters\" title=\"What Is NCD and Why It Matters\">What Is NCD and Why It Matters<\/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\/car-insurance\/roadtax-ncd-relationship-in-determining-insurance-premiums\/#The_Relationship_Between_Roadtax_and_NCD_in_Premiums\" title=\"The Relationship Between Roadtax and NCD in Premiums\">The Relationship Between Roadtax and NCD in Premiums<\/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\/car-insurance\/roadtax-ncd-relationship-in-determining-insurance-premiums\/#Real-Life_Examples\" title=\"Real-Life Examples\">Real-Life Examples<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/roadtax-ncd-relationship-in-determining-insurance-premiums\/#Check_Roadtax_NCD_Together_Using_BJAK_Calculator\" title=\"Check Roadtax &amp; NCD Together Using BJAK Calculator\">Check Roadtax &amp; NCD Together Using BJAK Calculator<\/a><\/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\/roadtax-ncd-relationship-in-determining-insurance-premiums\/#Money-Saving_Tips_for_Drivers\" title=\"Money-Saving Tips for Drivers\">Money-Saving Tips for Drivers<\/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\/roadtax-ncd-relationship-in-determining-insurance-premiums\/#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>Most drivers know they must pay roadtax and quickly check their <strong>NCD (No Claim Discount)<\/strong> when renewing insurance. However, many don\u2019t realize the relationship between roadtax &amp; NCD. Roadtax determines your vehicle type and engine capacity, while NCD decides how much discount you get on your premium. Together, they significantly impact the total annual cost you pay.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_Is_Roadtax\"><\/span><strong>What Is Roadtax?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Roadtax is the annual vehicle tax that must be paid to JPJ. It\u2019s not just a sticker on the windshield \u2014 it shows that your vehicle is legally allowed on the road.<\/p>\n\n\n\n<p>Roadtax is calculated based on several main factors:<\/p>\n\n\n\n<ul><li><strong>Engine capacity (cc)<\/strong><strong><br><\/strong><\/li><li><strong>Vehicle type (car, van, 4&#215;4)<\/strong><strong><br><\/strong><\/li><li><strong>Registration location (Peninsular Malaysia, Sabah, Sarawak)<\/strong><strong><br><\/strong><\/li><\/ul>\n\n\n\n<p><strong>Example:<\/strong><strong><br><\/strong> A small 1.3L car may only pay RM70\u2013RM90 per year, but a large 2.0L SUV can reach RM300\u2013RM400.<\/p>\n\n\n\n<p>Larger engines = higher roadtax = higher risk and indirectly higher insurance premium.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_Is_NCD_and_Why_It_Matters\"><\/span><strong>What Is NCD and Why It Matters<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>NCD<\/strong> is a discount given to drivers who make <strong>no insurance claims<\/strong> in a year.<\/p>\n\n\n\n<p>The longer you remain \u201cclaim-free,\u201d the higher the discount \u2014 up to 55%.<\/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>Claim-Free Years<\/strong><\/td><td><strong>NCD Discount<\/strong><\/td><\/tr><tr><td>1 year<\/td><td>25%<\/td><\/tr><tr><td>2 years<\/td><td>30%<\/td><\/tr><tr><td>3 years<\/td><td>38.33%<\/td><\/tr><tr><td>4 years<\/td><td>45%<\/td><\/tr><tr><td>5+ years<\/td><td>55% (max)<\/td><\/tr><\/tbody><\/table><figcaption><strong>Example:<\/strong> Original premium RM1,000 \u2192 after 55% NCD \u2192 RM450.<br>This is why many drivers try to maintain a high NCD \u2014 it\u2019s the simplest savings tool.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"The_Relationship_Between_Roadtax_and_NCD_in_Premiums\"><\/span><strong>The Relationship Between Roadtax and NCD in Premiums<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Although calculated separately, these two factors influence the <strong>total annual cost<\/strong>:<\/p>\n\n\n\n<ul><li><strong>High roadtax<\/strong> = larger, more powerful vehicle = higher base premium.<br><\/li><li><strong>High NCD<\/strong> = bigger discount = lower final premium.<br><\/li><\/ul>\n\n\n\n<p>NCD acts as a \u201cbalancer\u201d to reduce the burden when roadtax or base premium is high. Even for larger cars with higher premiums, NCD can save you 45\u201355%.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Real-Life_Examples\"><\/span><strong>Real-Life Examples<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Perodua Bezza 1.3L<\/strong><\/p>\n\n\n\n<ul><li>Base premium: RM800<br><\/li><li>NCD 55% \u2192 discounted premium: RM360<br><\/li><li>Roadtax: RM70<br><\/li><\/ul>\n\n\n\n<p><strong>Honda Civic 1.8L<\/strong><\/p>\n\n\n\n<ul><li>Base premium: RM1,300<br><\/li><li>NCD 45% \u2192 discounted premium: RM715<br><\/li><li>Roadtax: RM280<br><\/li><\/ul>\n\n\n\n<p>The difference is significant, showing how these components complement each other in calculating annual car ownership costs.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Check_Roadtax_NCD_Together_Using_BJAK_Calculator\"><\/span><strong>Check Roadtax &amp; NCD Together Using BJAK Calculator<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No more manual calculation. Simply enter your <strong>license plate number<\/strong> in BJAK Calculator \u2014 the system will show:<\/p>\n\n\n\n<ul><li>Your current NCD,<br><\/li><li>Estimated insurance premium after discount,<br><\/li><li>Roadtax based on engine capacity and state.<br><\/li><\/ul>\n\n\n\n<p>BJAK also provides quotes from panels like <strong>Takaful Malaysia, Allianz, and P&amp;O Insurance<\/strong>, helping you choose the most suitable option.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Money-Saving_Tips_for_Drivers\"><\/span><strong>Money-Saving Tips for Drivers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Avoid minor claims if not necessary \u2014 maintain your NCD.<br><\/li><li>Check prices on BJAK to compare options before renewing.<br><\/li><li>Ensure vehicle data (engine, plate number) is accurate to avoid policy delays.<br><\/li><li>Renew a few days before expiry to avoid lapses in coverage.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53424\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/roadtax-ncd-relationship-in-determining-insurance-premiums\/attachment\/4-85\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-85.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=\"4-85\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-85.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-85.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\/4-85.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing the relationship between roadtax (by engine capacity) and NCD (0\u201355%) in determining annual insurance premiums, with examples of three different car types.\" class=\"wp-image-53424\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-85.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-85.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-85.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-85.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-85.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=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In short, roadtax and NCD are connected in determining insurance premiums, though not directly. Roadtax reflects vehicle type and engine power, while NCD rewards a clean driving record. By understanding and checking both simultaneously, you can plan insurance and roadtax budgets more effectively \u2014 saving time and money.<\/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=roadtax--ncd-relationship-in-determining-insurance-premiums\" style=\"background-color:#ffd100\">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\/ncd-insurance-calculator-malaysia-check-discounts-up-to-55\">NCD Insurance Calculator Malaysia: Check Discounts Up to 55%<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/ncd-drop-even-without-a-claim-why\">NCD Drop Even Without a Claim, Why?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance-calculator-malaysia-find-the-cheapest-policy-fast\">Car Insurance Calculator Malaysia: Find the Cheapest Policy Fast<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many drivers don\u2019t realize that although roadtax and NCD are calculated separately, both influence insurance premium costs. This article explains how they are linked, gives real-life calculation examples, and shows how to check both simultaneously using BJAK Calculator to save more each year.<\/p>\n","protected":false},"author":31,"featured_media":53423,"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":[424,436],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Roadtax &amp; NCD: Relationship in Determining Insurance Premiums | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Roadtax &amp; NCD: Relationship in Determining Insurance Premiums . 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