{"id":54004,"date":"2025-10-24T01:47:30","date_gmt":"2025-10-23T17:47:30","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54004"},"modified":"2025-10-29T18:29:57","modified_gmt":"2025-10-29T10:29:57","slug":"check-car-ncd-online","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/check-car-ncd-online","title":{"rendered":"Check Car NCD Online"},"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-69d411af0de70\" 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-69d411af0de70\"><\/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\/check-car-ncd-online\/#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\/check-car-ncd-online\/#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\/check-car-ncd-online\/#2_How_to_Check_Your_Car%E2%80%99s_NCD_Online_via_BJAK\" title=\"2. How to Check Your Car\u2019s NCD Online via BJAK\">2. How to Check Your Car\u2019s NCD Online via BJAK<\/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\/check-car-ncd-online\/#3_Alternative_Option_Check_via_PIAM\" title=\"3. Alternative Option: Check via PIAM\">3. Alternative Option: Check via PIAM<\/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\/check-car-ncd-online\/#4_Key_Tips_When_Checking_Your_NCD\" title=\"4. Key Tips When Checking Your NCD\">4. Key Tips When Checking 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\/check-car-ncd-online\/#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 don\u2019t realize that NCD can help you save up to <strong>55%<\/strong> on your annual car insurance premium. But not everyone knows how to check their NCD rate. Thanks to digital systems, you can now check your car\u2019s NCD online without visiting a counter \u2014 just use your <strong>car plate number and IC<\/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 a discount given to car owners who <strong>don\u2019t make any insurance claims<\/strong> during their coverage period. The longer you drive without claiming, the higher your NCD \u2014 up to <strong>55% after 5 consecutive years<\/strong>.<\/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>Years Without Claim<\/strong><\/td><td><strong>NCD Discount (%)<\/strong><\/td><\/tr><tr><td>1 year<\/td><td>25%<\/td><\/tr><tr><td>2 years<\/td><td>30%<\/td><\/tr><tr><td>3 years<\/td><td>38.33%<\/td><\/tr><tr><td>4 years<\/td><td>45%<\/td><\/tr><tr><td>5 years &amp; above<\/td><td>55%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"54072\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/check-car-ncd-online\/attachment\/4-144\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-144.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=\"4-144\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-144.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-144.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\/4-144.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing Malaysia\u2019s NCD rate increase from 25% to 55% based on consecutive claim-free years.\n\" class=\"wp-image-54072\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-144.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-144.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-144.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-144.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-144.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=\"2_How_to_Check_Your_Car%E2%80%99s_NCD_Online_via_BJAK\"><\/span><strong>2. How to Check Your Car\u2019s NCD Online via BJAK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>BJAK offers the fastest and most convenient way to check your NCD in just a few seconds:<\/p>\n\n\n\n<ol><li>Visit<a href=\"https:\/\/www.bjak.my\"> <strong>BJAK.my<\/strong><strong><br><\/strong><\/a><\/li><li>Enter your <strong>car plate number<\/strong><strong><br><\/strong><\/li><li>The system automatically displays your <strong>current NCD rate<\/strong> (e.g. 45% or 55%)<br><\/li><li>Instantly compare premium prices from multiple insurers with <strong>no extra charges<\/strong><strong><br><\/strong><\/li><\/ol>\n\n\n\n<p><strong>Why BJAK?<\/strong><strong><br><\/strong> No registration needed \u2014 you can check your NCD right away and view personalized premium estimates based on your discount rate.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Alternative_Option_Check_via_PIAM\"><\/span><strong>3. Alternative Option: Check via PIAM<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you prefer checking through an official industry body, use the <strong>PIAM NCD Enquiry<\/strong> portal:<\/p>\n\n\n\n<ol><li>Visit the <strong>PIAM (Persatuan Insurans Am Malaysia)<\/strong> official website<br><\/li><li>Enter your <strong>car plate number and IC<\/strong><strong><br><\/strong><\/li><li>View your current NCD rate along with brief claim history details<br><\/li><\/ol>\n\n\n\n<p>However, unlike BJAK, PIAM\u2019s portal only shows your NCD percentage \u2014 it doesn\u2019t display premium estimates.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Key_Tips_When_Checking_Your_NCD\"><\/span><strong>4. Key Tips When Checking Your NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>&nbsp;Double-check your <strong>plate number and IC<\/strong> (avoid spacing or typos)<\/li><li>If your car has a <strong>new owner<\/strong>, the previous NCD may not transfer automatically<\/li><li>You can <strong>carry over your NCD<\/strong> to a new car as long as it\u2019s under the same owner \u2014 just inform your insurer during renewal<\/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>Checking your car\u2019s NCD online is now easier than ever \u2014 no more waiting at counters or calling agents. Use <strong>BJAK.my<\/strong> to instantly view your NCD rate, compare insurance premiums, and renew everything in one place. The sooner you check, the sooner you save.<\/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=check-car-ncd-online\" 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\/calculate-car-insurance-premium-in-malaysia\">Calculate Car Insurance Premium In Malaysia<\/a><\/p>\n\n\n\n<p><br><strong><a href=\"https:\/\/bjak.my\/blog\/how-to-check-roadtax-expiry-date\">How To Check Roadtax Expiry Date<\/a><\/strong><\/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","protected":false},"excerpt":{"rendered":"<p> Want to know your current NCD (No Claim Discount) rate? Here\u2019s the easiest way to check your car\u2019s NCD online through BJAK and other official platforms \u2014 fast, free, and 100% legit.<\/p>\n","protected":false},"author":31,"featured_media":54071,"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":[25,424,2391],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Check Car NCD Online | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Check Car NCD Online . 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