{"id":54001,"date":"2025-10-24T01:46:56","date_gmt":"2025-10-23T17:46:56","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54001"},"modified":"2025-10-29T18:29:57","modified_gmt":"2025-10-29T10:29:57","slug":"what-happens-to-claim-when-ncd-is-affected","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/what-happens-to-claim-when-ncd-is-affected","title":{"rendered":"What Happens To Claim When NCD Is Affected"},"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-69d443031d64a\" 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-69d443031d64a\"><\/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\/what-happens-to-claim-when-ncd-is-affected\/#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\/what-happens-to-claim-when-ncd-is-affected\/#1_When_Your_NCD_Will_Be_Affected\" title=\"1. When Your NCD Will Be Affected\">1. When Your NCD Will Be Affected<\/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\/what-happens-to-claim-when-ncd-is-affected\/#2_When_Your_NCD_Will_Not_Be_Affected\" title=\"2. When Your NCD Will Not Be Affected\">2. When Your NCD Will Not Be Affected<\/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\/what-happens-to-claim-when-ncd-is-affected\/#3_How_to_Check_Your_NCD_Status\" title=\"3. How to Check Your NCD Status\">3. How to Check Your NCD Status<\/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\/what-happens-to-claim-when-ncd-is-affected\/#4_How_to_Maintain_Your_NCD\" title=\"4. How to Maintain Your NCD\">4. How to Maintain Your NCD<\/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\/what-happens-to-claim-when-ncd-is-affected\/#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>NCD (No Claim Discount) is a special discount given to drivers who haven\u2019t made any claims during their policy period. But many are still confused \u2014 does <em>every<\/em> claim affect your NCD? The short answer: not always. Let\u2019s break down how NCD actually works, so you don\u2019t lose your discount unnecessarily.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_When_Your_NCD_Will_Be_Affected\"><\/span><strong>1. When Your NCD Will Be Affected<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your NCD will reset to 0% if you file a claim under your own policy (known as an <em>Own Damage<\/em> claim). For example:<\/p>\n\n\n\n<ul><li>The accident was caused by you.<br><\/li><li>You repaired your car using your own insurance (not claiming from the other party).<br><\/li><\/ul>\n\n\n\n<p>&nbsp;<strong>Result:<\/strong> Once this happens, you\u2019ll lose your entire NCD, and your premium will increase during your next renewal.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_When_Your_NCD_Will_Not_Be_Affected\"><\/span><strong>2. When Your NCD Will <\/strong><strong><em>Not<\/em><\/strong><strong> Be Affected<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There are certain situations where your NCD remains intact even after filing a claim:<\/p>\n\n\n\n<ul><li><strong>Third Party Claim<\/strong> \u2013 when the accident wasn\u2019t your fault.<br><\/li><li><strong>Windscreen Claim<\/strong> \u2013 under a special add-on coverage.<br><\/li><li><strong>Special Perils Claim<\/strong> \u2013 for natural disasters, if you have that add-on.<br><\/li><\/ul>\n\n\n\n<p>&nbsp;<strong>In these cases<\/strong>, your NCD remains safe because it\u2019s either not your fault or it\u2019s covered under special protection.<\/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=\"54069\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/what-happens-to-claim-when-ncd-is-affected\/attachment\/4-143\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-143.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=\"4-143\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-143.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-143.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\/4-143.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing a comparison between situations that cause NCD loss and those that keep it, such as third party claims and add-on protections.\" class=\"wp-image-54069\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-143.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-143.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-143.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-143.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-143.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_How_to_Check_Your_NCD_Status\"><\/span><strong>3. How to Check Your NCD Status<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re unsure whether your NCD was affected, you can check it online:<\/p>\n\n\n\n<ul><li>Visit <strong>BJAK.my<\/strong> and enter your vehicle plate number.<br><\/li><li>The system will instantly show your current NCD rate (e.g., 30%, 45%, or 55%).<br><\/li><li>You can also compare premium prices with or without your NCD applied.<br><\/li><\/ul>\n\n\n\n<p> Alternatively, you can check via <strong>PIAM\u2019s<\/strong> official website (Persatuan Insurans Am Malaysia), but BJAK is faster since it displays your NCD rate right during the insurance check.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_How_to_Maintain_Your_NCD\"><\/span><strong>4. How to Maintain Your NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Avoid small claims (like scratches or minor bumper damage) \u2014 sometimes it\u2019s cheaper to repair privately than lose your NCD.<br><\/li><li>Always renew your policy on time to avoid any \u201cgap in cover.\u201d<br><\/li><li>Use platforms like <strong>BJAK<\/strong>, which automatically check your NCD and help you get the lowest premium available.<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>When your NCD is affected, your next premium will rise \u2014 but if you manage your claims wisely, your discount can remain up to <strong>55%<\/strong>. Understand when NCD is affected and when it\u2019s not, and use <strong>BJAK<\/strong> to monitor your rate during every renewal so you never lose your savings without realising it.<\/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=what-happens-to-claim-when-ncd-is-affected\" 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\/third-party-claim-know-your-rights\">Third Party Claim: Know Your Rights<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-to-check-roadtax-expiry-date\">How To Check Roadtax Expiry Date<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/calculate-car-insurance-premium-in-malaysia\">Calculate Car Insurance Premium In Malaysia<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Many drivers don\u2019t realise that filing an insurance claim can affect their NCD. This article explains when NCD is affected, when it\u2019s not, and how to maintain your discount so your next renewal premium stays low.<\/p>\n","protected":false},"author":31,"featured_media":54068,"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":[3020,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Happens To Claim When NCD Is Affected | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: What Happens To Claim When NCD Is Affected . 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