{"id":53585,"date":"2025-10-18T19:56:34","date_gmt":"2025-10-18T11:56:34","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53585"},"modified":"2025-11-03T17:56:27","modified_gmt":"2025-11-03T09:56:27","slug":"tips-dapatkan-diskaun-insurans-dengan-ncd-maksimum","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/tips-dapatkan-diskaun-insurans-dengan-ncd-maksimum","title":{"rendered":"Tips Dapatkan Diskaun Insurans dengan NCD Maksimum"},"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-69d7a74621f46\" 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-69d7a74621f46\"><\/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\/tips-dapatkan-diskaun-insurans-dengan-ncd-maksimum\/#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\/tips-dapatkan-diskaun-insurans-dengan-ncd-maksimum\/#1_Apa_Itu_NCD_No_Claim_Discount\" title=\"1. Apa Itu NCD (No Claim Discount)?\">1. 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\/tips-dapatkan-diskaun-insurans-dengan-ncd-maksimum\/#2_Kadar_NCD_Mengikut_Tahun\" title=\"2. Kadar NCD Mengikut Tahun\">2. 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\/tips-dapatkan-diskaun-insurans-dengan-ncd-maksimum\/#3_Bila_NCD_Boleh_Hilang_atau_Kekal\" title=\"3. Bila NCD Boleh Hilang atau Kekal?\">3. Bila NCD Boleh Hilang atau Kekal?<\/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\/tips-dapatkan-diskaun-insurans-dengan-ncd-maksimum\/#4_Cara_Semak_NCD_Melalui_BJAK\" title=\"4. Cara Semak NCD Melalui BJAK\">4. 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\/tips-dapatkan-diskaun-insurans-dengan-ncd-maksimum\/#5_Kelebihan_Kekalkan_NCD_Maksimum\" title=\"5. Kelebihan Kekalkan NCD Maksimum\">5. Kelebihan Kekalkan NCD Maksimum<\/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\/insurans-kereta\/tips-dapatkan-diskaun-insurans-dengan-ncd-maksimum\/#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 tahu NCD boleh bantu jimat banyak masa renew insurans, tapi tak ramai faham cara diskaun dikira. <strong>No Claim Discount (NCD)<\/strong> ialah ganjaran daripada syarikat insurans kepada pemilik kenderaan yang <strong>tidak membuat sebarang tuntutan<\/strong> sepanjang tempoh polisi. Lagi lama anda bebas tuntutan, lagi besar diskaun masa pembaharuan \u2014 hingga <strong>maksimum 55% untuk kereta!<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Apa_Itu_NCD_No_Claim_Discount\"><\/span><strong>1. Apa Itu NCD (No Claim Discount)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD direka untuk <strong>menggalakkan pemanduan selamat<\/strong> dan mengurangkan kadar kemalangan di jalan raya.<br>Setiap tahun tanpa tuntutan akan meningkatkan kadar diskaun anda. Ini adalah ganjaran sebenar untuk pemandu yang berhati-hati.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Kadar_NCD_Mengikut_Tahun\"><\/span><strong>2. Kadar NCD Mengikut Tahun<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Berikut kadar rasmi NCD bagi <strong>kereta persendirian<\/strong>, <strong>motosikal<\/strong>, dan <strong>kenderaan komersial<\/strong> di Malaysia:<\/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>Tahun Tanpa Tuntutan<\/strong><\/td><td><strong>Kereta Persendirian<\/strong><\/td><td><strong>Motosikal<\/strong><\/td><td><strong>Kenderaan Komersial<\/strong><\/td><\/tr><tr><td>Tahun 1<\/td><td>25%<\/td><td>15%<\/td><td>10%<\/td><\/tr><tr><td>Tahun 2<\/td><td>30%<\/td><td>20%<\/td><td>15%<\/td><\/tr><tr><td>Tahun 3<\/td><td>38.33%<\/td><td>25%<\/td><td>20%<\/td><\/tr><tr><td>Tahun 4<\/td><td>45%<\/td><td>25%<\/td><td>25%<\/td><\/tr><tr><td>Tahun 5 &amp; ke atas<\/td><td><strong>55% (maksimum)<\/strong><\/td><td><strong>25% (maksimum)<\/strong><\/td><td><strong>25% (maksimum)<\/strong><\/td><\/tr><\/tbody><\/table><figcaption><em>Contoh:<br><\/em> Kalau premium insurans anda RM1,000 dan anda tak buat tuntutan untuk setahun, tahun berikutnya anda hanya bayar sekitar <strong>RM750<\/strong> selepas diskaun 25%.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Bila_NCD_Boleh_Hilang_atau_Kekal\"><\/span><strong>3. Bila NCD Boleh Hilang atau Kekal?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD bukan automatik kekal \u2014 ia boleh hilang atau dikekalkan bergantung pada jenis tuntutan:<\/p>\n\n\n\n<ul><li><strong>Reset ke 0%:<\/strong> Jika anda buat tuntutan <strong>Own Damage (kemalangan salah sendiri)<\/strong>, NCD akan hilang sepenuhnya.<br><\/li><li><strong>Kekal aktif:<\/strong> Jika buat <strong>tuntutan Third Party (kemalangan bukan salah sendiri)<\/strong> dan disahkan bukan kesalahan anda, NCD akan <strong>kekal<\/strong>.<br><\/li><li><strong>Boleh dipindahkan:<\/strong> Jika tukar kenderaan (atas nama sama), anda boleh <strong>alih NCD<\/strong> ke kenderaan baru.<br><\/li><\/ul>\n\n\n\n<p><em>Tip penting:<\/em> Pastikan maklumat pemilik dan nombor plat sama seperti polisi sebelumnya untuk elak kehilangan rekod NCD.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Cara_Semak_NCD_Melalui_BJAK\"><\/span><strong>4. Cara Semak NCD Melalui BJAK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Nak tahu kadar NCD anda semasa? Mudah je:<\/p>\n\n\n\n<ol><li>Layari<a href=\"https:\/\/www.bjak.my\"> <strong>BJAK.my<\/strong><strong><br><\/strong><\/a><\/li><li>Masukkan nombor plat &amp; IC untuk dapatkan sebut harga.<br><\/li><li>Sistem akan tunjuk terus <strong>peratus NCD semasa<\/strong> dalam paparan sebut harga.<br><\/li><li>Jika tak muncul, anda boleh <strong>hubungi khidmat pelanggan BJAK<\/strong> melalui WhatsApp, panggilan, atau e-mel untuk semakan lanjut.<br><\/li><\/ol>\n\n\n\n<p><strong>Tip BJAK:<\/strong><strong><br><\/strong> Guna butiran pemilik yang sama seperti polisi sebelumnya supaya sistem boleh kesan NCD aktif anda dengan tepat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Kelebihan_Kekalkan_NCD_Maksimum\"><\/span><strong>5. Kelebihan Kekalkan NCD Maksimum<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Jimat <strong>sehingga 55% (kereta)<\/strong>, <strong>25% (motosikal\/komersial)<\/strong> setiap tahun<br><\/li><li>Bayar premium rendah tanpa kurangkan perlindungan<br><\/li><li>Rekod pemanduan baik bantu bila buat tuntutan atau pindah polisi<br><\/li><li>Nilai jualan semula kenderaan lebih menarik bila rekod insurans bersih<br><\/li><\/ul>\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 ialah cara paling mudah untuk jimat besar setiap tahun \u2014 asalkan anda elak buat tuntutan kecil dan semak status lebih awal. Sebelum renew insurans, semak kadar NCD anda di <strong>BJAK.my<\/strong> supaya diskaun maksimum dikira dengan tepat. Dengan disiplin dan semakan konsisten, anda boleh nikmati perlindungan sah <strong>tanpa bayar lebih<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53648\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tips-dapatkan-diskaun-insurans-dengan-ncd-maksimum\/attachment\/3-108\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-108.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=\"3-108\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-108.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-108.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\/3-108.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik bertajuk \u201cPerbandingan Kadar NCD Mengikut Jenis Kenderaan\u201d dengan tiga lajur \u2014 kereta \ud83d\ude97, motosikal \ud83c\udfcd\ufe0f, dan kenderaan komersial \ud83d\ude9a. Setiap lajur menunjukkan bar menaik dari Tahun 1 hingga Tahun 5, dengan highlight \u201c55% maksimum\u201d pada bar kereta. Tema warna biru, hijau, dan oren untuk beza kategori.\n\" class=\"wp-image-53648\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-108.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-108.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-108.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-108.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-108.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=tips-dapatkan-diskaun-insurans-dengan-ncd-maksimum\" 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\/cara-elak-bayar-insurans-yang-tidak-perlu\">Cara Elak Bayar Insurans yang Tidak Perlu<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-motor-untuk-motosikal-apa-perlu-tahu\">Insurans Motor untuk Motosikal: Apa Perlu Tahu<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/tips-renew-insurans-murah-tapi-tetap-selamat\">Tips Renew Insurans Murah Tapi Tetap Selamat<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> NCD boleh beri diskaun insurans sehingga 55% untuk kereta, 25% untuk motosikal, dan 25% untuk kenderaan komersial. Ketahui cara kekalkan NCD maksimum, bila ia boleh hilang, dan cara semak status NCD anda melalui BJAK.<\/p>\n","protected":false},"author":31,"featured_media":53647,"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":[93,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tips Dapatkan Diskaun Insurans dengan NCD Maksimum | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Tips Dapatkan Diskaun Insurans dengan NCD Maksimum. 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