{"id":53616,"date":"2025-10-18T20:05:58","date_gmt":"2025-10-18T12:05:58","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53616"},"modified":"2025-10-29T18:30:03","modified_gmt":"2025-10-29T10:30:03","slug":"tips-to-get-maximum-insurance-discount-with-ncd","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/tips-to-get-maximum-insurance-discount-with-ncd","title":{"rendered":"Tips to Get Maximum Insurance Discount with NCD"},"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-6a247e16800f3\" 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-6a247e16800f3\"><\/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\/tips-to-get-maximum-insurance-discount-with-ncd\/#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\/tips-to-get-maximum-insurance-discount-with-ncd\/#1_What_Is_NCD_No_Claim_Discount\" title=\"1. What Is NCD (No Claim Discount)?\">1. 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\/tips-to-get-maximum-insurance-discount-with-ncd\/#2_NCD_Rates_by_Year\" title=\"2. NCD Rates by Year\">2. 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\/tips-to-get-maximum-insurance-discount-with-ncd\/#3_When_Can_NCD_Be_Lost_or_Kept\" title=\"3. When Can NCD Be Lost or Kept?\">3. When Can NCD Be Lost or Kept?<\/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\/tips-to-get-maximum-insurance-discount-with-ncd\/#4_How_to_Check_NCD_Through_BJAK\" title=\"4. How to Check NCD Through BJAK\">4. How to Check NCD Through 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\/tips-to-get-maximum-insurance-discount-with-ncd\/#5_Benefits_of_Maintaining_Maximum_NCD\" title=\"5. Benefits of Maintaining Maximum NCD\">5. Benefits of Maintaining Maximum NCD<\/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\/tips-to-get-maximum-insurance-discount-with-ncd\/#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 drivers know that NCD helps them save big when renewing insurance, but not everyone understands how it actually works.<strong>No Claim Discount (NCD)<\/strong> is a reward from insurance companies to vehicle owners who haven\u2019t made any claims during their policy period.<br>The longer you go claim-free, the higher your maximum NCD insurance discount <strong>of up to 55% for cars!<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_What_Is_NCD_No_Claim_Discount\"><\/span><strong>1. What Is NCD (No Claim Discount)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD is designed to encourage safe driving and reduce accident rates on the road.<br>Each year without a claim increases your discount rate \u2014 it\u2019s a real reward for cautious drivers.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_NCD_Rates_by_Year\"><\/span><strong>2. NCD Rates by Year<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Here are the official NCD rates for private cars, motorcycles, and commercial vehicles in 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>Claim-Free Year<\/strong><\/td><td><strong>Private Car<\/strong><\/td><td><strong>Motorcycle<\/strong><\/td><td><strong>Commercial Vehicle<\/strong><\/td><\/tr><tr><td>Year 1<\/td><td>25%<\/td><td>15%<\/td><td>10%<\/td><\/tr><tr><td>Year 2<\/td><td>30%<\/td><td>20%<\/td><td>15%<\/td><\/tr><tr><td>Year 3<\/td><td>38.33%<\/td><td>25%<\/td><td>20%<\/td><\/tr><tr><td>Year 4<\/td><td>45%<\/td><td>25%<\/td><td>25%<\/td><\/tr><tr><td>Year 5 &amp; above<\/td><td><strong>55% (max)<\/strong><\/td><td><strong>25% (max)<\/strong><\/td><td><strong>25% (max)<\/strong><\/td><\/tr><\/tbody><\/table><figcaption><strong>Example:<br><\/strong> If your insurance premium is RM1,000 and you make no claims for one year, you\u2019ll pay around <strong>RM750<\/strong> the next year after a 25% discount.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53678\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/tips-to-get-maximum-insurance-discount-with-ncd\/attachment\/4-109\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-109.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=\"4-109\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-109.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-109.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-109.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic titled \u201cNCD Rate Comparison by Vehicle Type\u201d with three columns \u2014 car \ud83d\ude97, motorcycle \ud83c\udfcd\ufe0f, and commercial vehicle \ud83d\ude9a. Each column shows a rising bar from Year 1 to Year 5, highlighting \u201c55% maximum\u201d on the car bar. Color theme in blue, green, and orange to distinguish categories.\n\" class=\"wp-image-53678\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-109.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-109.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-109.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-109.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-109.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=\"3_When_Can_NCD_Be_Lost_or_Kept\"><\/span><strong>3. When Can NCD Be Lost or Kept?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD isn\u2019t automatically permanent \u2014 it can reset or remain depending on your claim type:<\/p>\n\n\n\n<ul><li><strong>Reset to 0%:<\/strong> If you make an <strong>Own Damage<\/strong> claim (accident your fault), your NCD will be completely lost.<br><\/li><li><strong>Remains Active:<\/strong> If it\u2019s a <strong>Third Party claim<\/strong> (not your fault) and confirmed as such, your NCD stays.<br><\/li><li><strong>Can Be Transferred:<\/strong> When you buy a new car under the same name, your NCD can be transferred.<br><\/li><\/ul>\n\n\n\n<p>&nbsp;<strong>Pro Tip:<\/strong><strong><br><\/strong> Make sure the vehicle owner\u2019s details and plate number match the previous policy to avoid losing your NCD record.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_How_to_Check_NCD_Through_BJAK\"><\/span><strong>4. How to Check NCD Through BJAK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Want to know your current NCD rate? It\u2019s easy:<\/p>\n\n\n\n<ol><li>Visit <strong>BJAK.my<\/strong><strong><br><\/strong><\/li><li>Enter your vehicle plate number &amp; IC to get a quote<br><\/li><li>The system will instantly show your current NCD percentage<br><\/li><li>If it doesn\u2019t appear, contact BJAK\u2019s customer service via WhatsApp, phone, or email for assistance<br><\/li><\/ol>\n\n\n\n<p>&nbsp;<strong>BJAK Tip:<\/strong><strong><br><\/strong> Use the same owner details as your previous policy so the system can accurately detect your active NCD.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Benefits_of_Maintaining_Maximum_NCD\"><\/span><strong>5. Benefits of Maintaining Maximum NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Save up to <strong>55%<\/strong> (car) or <strong>25%<\/strong> (motorcycle\/commercial) every year<br><\/li><li>Pay lower premiums <strong>without reducing coverage<\/strong><strong><br><\/strong><\/li><li>Maintain a clean driving record that helps with future claims or policy transfers<br><\/li><li>A good insurance record can even make your car more appealing to buyers<br><\/li><\/ul>\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>NCD is the easiest way to enjoy huge yearly savings \u2014 as long as you avoid making small claims and check your status early.<br>Before renewing your insurance, check your NCD rate at <strong>BJAK.my<\/strong> to ensure your maximum discount is accurately applied.With consistency and careful driving, you can enjoy full protection <strong>without overpaying<\/strong>.<\/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=tips-to-get-maximum-insurance-discount-with-ncd\" 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\/what-documents-are-required-to-renew-roadtax\">What Documents Are Required to Renew Roadtax<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-to-avoid-paying-for-unnecessary-insurance\">How to Avoid Paying for Unnecessary Insurance<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/motor-insurance-for-motorcycles-what-you-need-to-know\">Motor Insurance for Motorcycles: What You Need to Know<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> NCD can give you up to 55% off for cars, 25% for motorcycles, and 25% for commercial vehicles. Learn how to maintain your maximum NCD, when it can be lost, and how to check your NCD status through BJAK.<\/p>\n","protected":false},"author":31,"featured_media":53677,"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":[2776,88,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tips to Get Maximum Insurance Discount with NCD | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Tips to Get Maximum Insurance Discount with NCD.Understand the steps for disounted premium purchase through BJAK!\" \/>\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\/tips-to-get-maximum-insurance-discount-with-ncd\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tips to Get Maximum Insurance Discount with NCD | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Tips to Get Maximum Insurance Discount with NCD.Understand the steps for disounted premium purchase through BJAK!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/tips-to-get-maximum-insurance-discount-with-ncd\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-18T12:05:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:30:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/2-109.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"BJAK Content Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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