{"id":53459,"date":"2025-10-17T20:05:15","date_gmt":"2025-10-17T12:05:15","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53459"},"modified":"2025-11-03T17:58:09","modified_gmt":"2025-11-03T09:58:09","slug":"bagaimana-sistem-ncd-no-claim-discount-berfungsi","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-sistem-ncd-no-claim-discount-berfungsi","title":{"rendered":"Bagaimana Sistem NCD (No Claim Discount) Berfungsi?"},"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-69d45d0d1a517\" 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-69d45d0d1a517\"><\/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\/bagaimana-sistem-ncd-no-claim-discount-berfungsi\/#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\/bagaimana-sistem-ncd-no-claim-discount-berfungsi\/#Apa_Itu_NCD_No_Claim_Discount\" title=\"Apa Itu NCD (No Claim Discount)?\">Apa Itu NCD (No Claim Discount)?<\/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\/bagaimana-sistem-ncd-no-claim-discount-berfungsi\/#Kadar_NCD_Mengikut_Tahun\" title=\"Kadar NCD Mengikut Tahun\">Kadar NCD Mengikut Tahun<\/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\/bagaimana-sistem-ncd-no-claim-discount-berfungsi\/#Apa_Berlaku_Jika_Anda_Buat_Tuntutan\" title=\"Apa Berlaku Jika Anda Buat Tuntutan?\">Apa Berlaku Jika Anda Buat Tuntutan?<\/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\/bagaimana-sistem-ncd-no-claim-discount-berfungsi\/#Cara_Semak_NCD_Melalui_BJAK\" title=\"Cara Semak NCD Melalui BJAK\">Cara Semak NCD Melalui BJAK<\/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\/insurans-kereta\/bagaimana-sistem-ncd-no-claim-discount-berfungsi\/#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>Kebanyakkan pemandu di Malaysia tahu yang NCD boleh turunkan harga premiums insurans mereka. Tetapi tidak semua tahu fungsi sebenarynya. NCD (No Claim Discount) adalah diskaun khas yang diberi kepada pemilik kenderaan jika renew insuran berturut tanpa buat sebarang tuntutan. Artikel ini akan menerangkan cara kiraan &amp; semakan NCD melalui BJAK, supaya tidak terlepas peluang untuk jimat setiap pembelian tahunan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apa_Itu_NCD_No_Claim_Discount\"><\/span><strong>Apa Itu NCD (No Claim Discount)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD (No Claim Discount) adalah diskaun khas yang diberi kepada pemilik kenderaan jika renew insuran berturut tanpa buat sebarang tuntutan sambil polisi tengah aktif. Tujuan sebenar adalah untuk galakkan semua pemandu di Malaysia untuk memandu secara berhemah &amp; kurangkan kemalangan jalan raya dengan memberi insentif diskaun besar untuk jimat kos pembelian insuran setiap tahun.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kadar_NCD_Mengikut_Tahun\"><\/span><strong>Kadar NCD Mengikut Tahun<\/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>Tahun Tanpa Tuntutan<\/strong><\/td><td><strong>Kadar NCD Kereta Persendirian<\/strong><\/td><td><strong>Kadar NCD Motosikal<\/strong><\/td><\/tr><tr><td>Tahun 1<\/td><td>25%<\/td><td>15%<\/td><\/tr><tr><td>Tahun 2<\/td><td>30%<\/td><td>20%<\/td><\/tr><tr><td>Tahun 3<\/td><td>38.33%<\/td><td>25%<\/td><\/tr><tr><td>Tahun 4<\/td><td>45%<\/td><td>25%<\/td><\/tr><tr><td>Tahun 5 dan seterusnya<\/td><td><strong>55% (maksimum)<\/strong><\/td><td><strong>25% (maksimum)<\/strong><\/td><\/tr><\/tbody><\/table><figcaption><strong>Contoh:<br><\/strong> Jika premium insuran dalam sebutharga menyatakan jumlah RM 1,000, jika selepas setahun tidak buat tuntutan, NCD akan naik 25% jadi jumlah selepas tolakan NCD adalah RM 750<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apa_Berlaku_Jika_Anda_Buat_Tuntutan\"><\/span><strong>Apa Berlaku Jika Anda Buat Tuntutan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika anda membuat tuntutan insurans atas kesalahan sendiri (Own Damage Claim), <strong>NCD anda akan diset semula ke 0%<\/strong>.<br>Namun, jika tuntutan dibuat oleh pihak ketiga (Third Party Claim), <strong>NCD tidak akan terjejas<\/strong> \u2014 selagi tuntutan itu disahkan bukan salah anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Cara_Semak_NCD_Melalui_BJAK\"><\/span><strong>Cara Semak NCD Melalui BJAK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li>Layari<a href=\"https:\/\/www.bjak.my\"> <strong>BJAK.my<\/strong><\/a>.<br><\/li><li>Masukkan <strong>nombor plat kenderaan<\/strong> anda untuk dapatkan sebut harga insurans.<br><\/li><li><strong>Kadar NCD akan dipaparkan secara automatik<\/strong> dalam sebut harga yang dihasilkan.<br><\/li><li>Jika tiada kadar NCD terpapar tetapi anda yakin masih ada NCD aktif, <strong>hubungi khidmat pelanggan BJAK<\/strong> melalui WhatsApp, panggilan, atau e-mel untuk semakan lanjut.<br><\/li><li>Wakil BJAK akan semak status NCD anda dan <strong>kemas kini sebut harga<\/strong> agar diskaun dipaparkan dengan betul.<br><\/li><\/ol>\n\n\n\n<p>\ud83d\udcac <strong>Tip BJAK:<\/strong><strong><br><\/strong> Gunakan nombor plat dan nama pemilik yang sama seperti polisi lama untuk elak sistem gagal kesan rekod NCD anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53519\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-sistem-ncd-no-claim-discount-berfungsi\/attachment\/3-96\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-96.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=\"3-96\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-96.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-96.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\/3-96.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Carta menunjukkan peningkatan diskaun NCD setiap tahun tanpa tuntutan, daripada 25% hingga 55%.\" class=\"wp-image-53519\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-96.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-96.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-96.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-96.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-96.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>NCD memberi peluang besar untuk <strong>jimat kos insurans setiap tahun<\/strong> \u2014 asalkan anda tidak membuat tuntutan. Semak status NCD anda melalui <strong>BJAK.my<\/strong> untuk pastikan diskaun dikira dengan tepat sebelum memperbaharui polisi. Dengan cara ini, anda bukan sahaja dapat perlindungan sah, tetapi juga bajet insurans yang lebih ringan setiap tahun.<\/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=bagaimana-sistem-ncd-no-claim-discount-berfungsi\" 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\/kesan-tukar-enjin-modifikasi-pada-polisi-insurans-kereta\">Kesan Tukar Enjin &amp; Modifikasi pada Polisi Insurans Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/fahami-kenapa-premium-insurans-naik-setiap-tahun\">Fahami Kenapa Premium Insurans Naik Setiap Tahun<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/kadar-roadtax-malaysia-mengikut-kapasiti-enjin\">Kadar Roadtax Malaysia Mengikut Kapasiti Enjin<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>NCD ialah diskaun yang diberi kepada pemandu yang tidak membuat tuntutan sepanjang tempoh insurans. Ketahui cara ia berfungsi, kadar diskaun mengikut tahun, dan bagaimana semak status NCD anda melalui BJAK supaya premium insurans anda lebih jimat dan perlindungan kekal aktif.<\/p>\n","protected":false},"author":31,"featured_media":53518,"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":[424,2922],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bagaimana Sistem NCD (No Claim Discount) Berfungsi? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Bagaimana Sistem NCD (No Claim Discount) Berfungsi? . 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