{"id":53971,"date":"2025-10-23T23:52:06","date_gmt":"2025-10-23T15:52:06","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53971"},"modified":"2025-11-03T17:38:19","modified_gmt":"2025-11-03T09:38:19","slug":"apa-berlaku-pada-tuntutan-jika-ncd-terjejas","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-berlaku-pada-tuntutan-jika-ncd-terjejas","title":{"rendered":"Apa Berlaku Pada Tuntutan Jika NCD Terjejas"},"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-69d7a506447d7\" 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-69d7a506447d7\"><\/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\/apa-berlaku-pada-tuntutan-jika-ncd-terjejas\/#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\/apa-berlaku-pada-tuntutan-jika-ncd-terjejas\/#1_Bila_NCD_Akan_Terjejas\" title=\"1. Bila NCD Akan Terjejas\">1. Bila NCD Akan Terjejas<\/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\/apa-berlaku-pada-tuntutan-jika-ncd-terjejas\/#2_Bila_NCD_Tidak_Terjejas\" title=\"2. Bila NCD Tidak Terjejas\">2. Bila NCD Tidak Terjejas<\/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\/apa-berlaku-pada-tuntutan-jika-ncd-terjejas\/#3_Cara_Semak_Status_NCD_Anda\" title=\"3. Cara Semak Status NCD Anda\">3. Cara Semak Status NCD Anda<\/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\/apa-berlaku-pada-tuntutan-jika-ncd-terjejas\/#4_Cara_Kekalkan_NCD_Anda\" title=\"4. Cara Kekalkan NCD Anda\">4. Cara Kekalkan NCD Anda<\/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\/apa-berlaku-pada-tuntutan-jika-ncd-terjejas\/#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>NCD (No Claim Discount) ialah diskaun khas yang diberi kepada pemandu yang <strong>tak pernah buat sebarang tuntutan<\/strong> dalam tempoh insurans. Tapi ramai masih keliru \u2014 adakah semua tuntutan akan buat <strong>NCD terjejas<\/strong>? Jawapannya: tidak semestinya. Jom faham cara sebenar NCD berfungsi supaya anda tak hilang diskaun tanpa sebab.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Bila_NCD_Akan_Terjejas\"><\/span><strong>1. Bila NCD Akan Terjejas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD akan <strong>hilang atau diset semula ke 0%<\/strong> jika anda buat tuntutan di bawah polisi sendiri (<em>Own Damage<\/em>). Contohnya:<\/p>\n\n\n\n<ul><li>Kemalangan berpunca daripada anda.<br><\/li><li>Anda baiki kereta sendiri menggunakan insurans anda (bukan tuntutan pihak ketiga).<br>Bila ini berlaku, anda akan <strong>kehilangan keseluruhan NCD<\/strong>, dan premium tahun depan akan jadi lebih tinggi.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Bila_NCD_Tidak_Terjejas\"><\/span><strong>2. Bila NCD Tidak Terjejas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ada beberapa situasi di mana NCD <strong>kekal<\/strong> walaupun anda buat tuntutan:<\/p>\n\n\n\n<ul><li><strong>pihak ketiga (Third Party Claim)<\/strong> \u2014 contohnya, anda tidak bersalah.<br><\/li><li><strong>cermin kereta (windscreen)<\/strong> di bawah add-on khas.<br><\/li><li><strong>bencana alam (Special Perils)<\/strong> jika dilindungi add-on.<br>Dalam kes begini, NCD anda masih selamat sebab ia bukan kesalahan anda atau jenis perlindungan khas.<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=\"54036\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-berlaku-pada-tuntutan-jika-ncd-terjejas\/attachment\/3-145\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-145.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=\"3-145\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-145.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-145.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\/3-145.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan perbandingan antara situasi yang menyebabkan NCD hilang dan yang mengekalkannya seperti tuntutan pihak ketiga dan perlindungan tambahan.\" class=\"wp-image-54036\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-145.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-145.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-145.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-145.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-145.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_Cara_Semak_Status_NCD_Anda\"><\/span><strong>3. Cara Semak Status NCD Anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kalau nak tahu sama ada NCD terjejas atau tidak, anda boleh semak secara online:<\/p>\n\n\n\n<ol><li>Layari <strong>BJAK.my<\/strong> dan masukkan nombor plat kenderaan.<br><\/li><li>Sistem akan paparkan kadar NCD semasa anda (contoh: 30%, 45%, atau 55%).<br><\/li><li>Anda juga boleh banding harga premium terkini dengan atau tanpa NCD.<br><\/li><\/ol>\n\n\n\n<p>Alternatif lain: semak melalui laman rasmi <strong>PIAM (Persatuan Insurans Am Malaysia)<\/strong>, tapi BJAK lebih cepat sebab terus paparkan kadar NCD masa buat semakan insurans.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Cara_Kekalkan_NCD_Anda\"><\/span><strong>4. Cara Kekalkan NCD Anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Elak buat tuntutan kecil (contoh: calar ringan, bumper pecah) \u2014 kadang lebih jimat baiki sendiri daripada hilang NCD.<br><\/li><li>Sentiasa renew polisi tepat waktu untuk elak \u201cgap in cover\u201d.<br><\/li><li>Guna platform seperti <strong>BJAK<\/strong> yang bantu anda semak NCD dan kira premium paling rendah secara automatik.<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>Bila <strong>NCD terjejas<\/strong>, premium akan naik semula \u2014 tapi kalau anda bijak urus tuntutan, diskaun tu boleh kekal hingga 55%. Fahami situasi yang jejaskan dan yang tidak, dan gunakan <strong>BJAK<\/strong> untuk pantau kadar NCD anda setiap kali renew supaya tak rugi tanpa sedar.<\/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=apa-berlaku-pada-tuntutan-jika-ncd-terjejas\" 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\/tuntutan-pihak-ketiga-apa-hak-anda\">Tuntutan Pihak Ketiga: Apa Hak Anda?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-semak-tarikh-luput-roadtax\">Cara Semak Tarikh Luput Roadtax<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-kira-premium-insuran-kereta\">Cara Kira Premium Insuran Kereta<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ramai pemandu tak sedar bahawa buat tuntutan insurans boleh menjejaskan NCD mereka. Artikel ini terangkan bagaimana NCD terjejas bila buat claim, bila ia tak terjejas, dan cara kekalkan diskaun supaya premium tahun depan kekal rendah.<\/p>\n","protected":false},"author":31,"featured_media":54035,"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":[424,3016],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apa Berlaku Pada Tuntutan Jika NCD Terjejas | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Apa Berlaku Pada Tuntutan Jika NCD Terjejas . 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