{"id":53489,"date":"2025-10-17T20:16:31","date_gmt":"2025-10-17T12:16:31","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53489"},"modified":"2025-10-29T18:30:06","modified_gmt":"2025-10-29T10:30:06","slug":"how-does-the-ncd-no-claim-discount-work","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/how-does-the-ncd-no-claim-discount-work","title":{"rendered":"How Does the NCD (No Claim Discount) Work?"},"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-69d486af83a78\" 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-69d486af83a78\"><\/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-does-the-ncd-no-claim-discount-work\/#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-does-the-ncd-no-claim-discount-work\/#What_Is_NCD_No_Claim_Discount\" title=\"What Is NCD (No Claim Discount)?\">What Is 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\/car-insurance\/how-does-the-ncd-no-claim-discount-work\/#NCD_Rates_by_Year\" title=\"NCD Rates by Year\">NCD Rates by Year<\/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\/how-does-the-ncd-no-claim-discount-work\/#What_Happens_If_You_Make_a_Claim\" title=\"What Happens If You Make a Claim?\">What Happens If You Make a Claim?<\/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\/how-does-the-ncd-no-claim-discount-work\/#How_to_Check_Your_NCD_via_BJAK\" title=\"How to Check Your NCD via BJAK\">How to Check Your NCD via 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\/car-insurance\/how-does-the-ncd-no-claim-discount-work\/#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>Many Malaysian drivers know that NCD helps reduce their insurance premiums \u2014 but not everyone understands exactly how it works. The <strong>No Claim Discount (NCD)<\/strong> is a reward given by insurance companies to drivers who <strong>don\u2019t make any claims<\/strong> during their policy period.<br>In this article, we\u2019ll explain how NCD is calculated, the discount rates by year, and how to check your NCD status through <strong>BJAK<\/strong>, so you don\u2019t miss out on yearly savings.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_Is_NCD_No_Claim_Discount\"><\/span><strong>What Is NCD (No Claim Discount)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The <strong>NCD<\/strong> is a <strong>discount<\/strong> given to vehicle owners who haven\u2019t made any insurance claims throughout their coverage period.<br>It\u2019s designed to encourage <strong>safe driving<\/strong> and reduce accident rates.<br>Each claim-free year increases your NCD percentage \u2014 the longer you go without claims, the bigger your discount on renewal premiums.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"NCD_Rates_by_Year\"><\/span><strong>NCD Rates by Year<\/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>Claim-Free Year<\/strong><\/td><td><strong>Private Car NCD Rate<\/strong><\/td><td><strong>Motorcycle NCD Rate<\/strong><\/td><\/tr><tr><td>Year 1<\/td><td>25%<\/td><td>15%<\/td><\/tr><tr><td>Year 2<\/td><td>30%<\/td><td>20%<\/td><\/tr><tr><td>Year 3<\/td><td>38.33%<\/td><td>25%<\/td><\/tr><tr><td>Year 4<\/td><td>45%<\/td><td>25%<\/td><\/tr><tr><td>Year 5 &amp; above<\/td><td>55% (maximum)<\/td><td>25% (maximum)<\/td><\/tr><\/tbody><\/table><figcaption><strong>Example:<br><\/strong> If your first-year insurance premium is RM1,000 and you don\u2019t make any claims, the next year you\u2019ll only pay around <strong>RM750<\/strong> (with a 25% NCD discount).<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_Happens_If_You_Make_a_Claim\"><\/span><strong>What Happens If You Make a Claim?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>If you file an <strong>Own Damage Claim<\/strong> (where you\u2019re at fault), your NCD will <strong>reset to 0%<\/strong>.<br><\/li><li>However, if you make a <strong>Third-Party Claim<\/strong> (when another driver is at fault), your NCD <strong>remains intact<\/strong> \u2014 as long as the claim is verified not to be your fault.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_to_Check_Your_NCD_via_BJAK\"><\/span><strong>How to Check Your NCD via BJAK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li>Visit <strong>BJAK.my<\/strong>.<br><\/li><li>Enter your <strong>vehicle registration number<\/strong> to get an insurance quote.<br><\/li><li>Your <strong>NCD rate<\/strong> will appear automatically in the generated quote.<br><\/li><li>If it doesn\u2019t appear but you believe you still have active NCD, contact <strong>BJAK customer service<\/strong> via WhatsApp, call, or email for verification.<br><\/li><li>A BJAK representative will check your NCD status and update your quote to ensure the discount is correctly applied.<br><\/li><\/ol>\n\n\n\n<p>\ud83d\udcac <strong>BJAK Tip:<\/strong><strong><br><\/strong> Always use the <strong>same number plate and owner name<\/strong> as your previous policy to ensure the system detects your NCD record accurately.<\/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=\"53549\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-does-the-ncd-no-claim-discount-work\/attachment\/4-97\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-97.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=\"4-97\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-97.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-97.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\/4-97.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing NCD increase for cars and motorcycles by claim-free year, from 25% up to 55%.\n\" class=\"wp-image-53549\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-97.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-97.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-97.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-97.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-97.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>The <strong>NCD system<\/strong> offers drivers a great opportunity to save on insurance each year \u2014 as long as no claims are made. Check your <strong>NCD status via BJAK.my<\/strong> to ensure your discount is calculated correctly before renewing your policy. That way, you\u2019ll enjoy legitimate coverage while keeping your insurance costs low year after year.<\/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=how-does-the-ncd-no-claim-discount-work\" 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\/why-car-insurance-premiums-increase-every-year\">Why Car Insurance Premiums Increase Every Year<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/malaysia-roadtax-rates-by-engine-capacity\">Malaysia Roadtax Rates by Engine Capacity<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/impact-of-engine-swaps-modifications-on-car-insurance-policies\">Impact of Engine Swaps &amp; Modifications on Car Insurance Policies<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The NCD is a discount given to drivers who haven\u2019t made any insurance claims during their coverage period. Learn how it works, the yearly discount rates, and how to check your NCD status via BJAK so your insurance premium stays lower while keeping your protection active.<\/p>\n","protected":false},"author":31,"featured_media":53548,"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":[424,2922],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Does the NCD (No Claim Discount) Work? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: How Does the NCD (No Claim Discount) Work? . Understand how it reduces premium when you don&#039;t file claims.\" \/>\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-does-the-ncd-no-claim-discount-work\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Does the NCD (No Claim Discount) Work? | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: How Does the NCD (No Claim Discount) Work? . 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