{"id":54216,"date":"2025-10-29T02:57:45","date_gmt":"2025-10-28T18:57:45","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54216"},"modified":"2025-10-29T20:33:39","modified_gmt":"2025-10-29T12:33:39","slug":"ncd-terjejas-bila-buat-tuntutan-insuran-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-terjejas-bila-buat-tuntutan-insuran-kereta","title":{"rendered":"NCD Terjejas Bila Buat Tuntutan Insuran Kereta"},"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-6a09aeaec49d8\" 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-6a09aeaec49d8\"><\/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\/ncd-terjejas-bila-buat-tuntutan-insuran-kereta\/#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\/ncd-terjejas-bila-buat-tuntutan-insuran-kereta\/#Apa_Itu_NCD\" title=\"Apa Itu NCD\">Apa Itu NCD<\/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\/ncd-terjejas-bila-buat-tuntutan-insuran-kereta\/#Bila_NCD_Tak_Terjejas\" title=\"Bila NCD Tak Terjejas\">Bila NCD Tak 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\/ncd-terjejas-bila-buat-tuntutan-insuran-kereta\/#Bila_NCD_Hilang\" title=\"Bila NCD Hilang\">Bila NCD Hilang<\/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\/ncd-terjejas-bila-buat-tuntutan-insuran-kereta\/#Cara_Elak_NCD_Hilang\" title=\"Cara Elak NCD Hilang\">Cara Elak NCD Hilang<\/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\/ncd-terjejas-bila-buat-tuntutan-insuran-kereta\/#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 pemilik kereta di Malaysia tertanya-tanya: kalau buat tuntutan, adakah <em>No Claim Discount<\/em> (NCD) akan terjejas? Sebenarnya, jawapannya bergantung pada jenis tuntutan dan siapa yang bersalah. Dalam artikel ni, kita akan terangkan situasi di mana <strong>NCD terjejas<\/strong>, dan bila ia kekal selamat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apa_Itu_NCD\"><\/span><strong>Apa Itu NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD (No Claim Discount) ialah diskaun yang diberi bila anda tak buat sebarang tuntutan dalam tempoh setahun. Lagi lama anda tak tuntut, lagi tinggi diskaun \u2014 boleh cecah hingga 55% untuk kereta persendirian.<\/p>\n\n\n\n<p>Tapi bila buat tuntutan, diskaun ni boleh hilang. Contohnya, kalau anda buat tuntutan sendiri (Own Damage), NCD akan reset ke 0%.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Bila_NCD_Tak_Terjejas\"><\/span><strong>Bila NCD Tak Terjejas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Berita baiknya, bukan semua tuntutan akan hapuskan NCD. Antara situasi yang <strong>tak jejaskan NCD<\/strong> termasuk:<\/p>\n\n\n\n<ul><li>Tuntutan terhadap pihak lain (Third Party Claim) bila anda bukan punca kemalangan.<br><\/li><li>Cermin kereta (windscreen claim) \u2014 sebab ia dianggap <em>add-on<\/em>, bukan tuntutan penuh.<br><\/li><li>Tuntutan kebakaran atau kecurian jika polisi anda memang melindungi risiko tersebut.<br><\/li><\/ul>\n\n\n\n<p>Dalam kes ni, NCD anda masih kekal.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"54321\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-terjejas-bila-buat-tuntutan-insuran-kereta\/attachment\/3-165\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-165.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=\"3-165\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-165.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-165.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\/3-165.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan tiga jenis tuntutan insurans kereta dan kesannya terhadap NCD: tuntutan sendiri (NCD hilang), tuntutan pihak lain (NCD kekal), dan tuntutan cermin (NCD selamat).\n\n\n\" class=\"wp-image-54321\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-165.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-165.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-165.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-165.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-165.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=\"Bila_NCD_Hilang\"><\/span><strong>Bila NCD Hilang<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Namun, kalau anda buat tuntutan di bawah polisi sendiri (contohnya terlanggar tiang, pokok, atau kemalangan sendiri), maka NCD akan hilang serta-merta.<\/p>\n\n\n\n<p>Sebabnya, sistem NCD direka untuk ganjaran kepada pemandu yang tak buat tuntutan \u2014 bukan sekadar tak alami kemalangan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Cara_Elak_NCD_Hilang\"><\/span><strong>Cara Elak NCD Hilang<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kalau kerosakan kecil, kadang-kadang lebih baik baiki sendiri tanpa buat tuntutan. Bayar sikit, tapi simpan diskaun besar tahun depan. Selain tu, pastikan anda semak dulu siapa bersalah sebelum failkan sebarang claim.<\/p>\n\n\n\n<p>Untuk semakan cepat, anda boleh banding pelan insurans di <strong>BJAK<\/strong>. Platform ni bantu anda pilih pelan terbaik dengan NCD dikira secara automatik \u2014 jadi anda tahu berapa banyak diskaun sebenar yang anda nikmati sebelum bayar.<\/p>\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>Kesimpulannya, <strong>NCD terjejas<\/strong> bila anda buat tuntutan di bawah polisi sendiri, tapi kekal selamat bila tuntutan dibuat terhadap pihak lain. Bijak menilai sebelum claim \u2014 kadang-kadang lebih berbaloi kekalkan diskaun untuk jangka panjang.<\/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=ncd-terjejas-bila-buat-tuntutan-insuran-kereta\" style=\"background-color:#ffd103\">Dapatkan Sebutharga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca Juga:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/peranan-jpj-bank-negara-malaysia-mengawal-polisi-insuran-kereta\">Peranan JPJ &amp; Bank Negara Malaysia Mengawal Polisi Insuran Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/perlu-dibuat-jika-terlibat-dalam-kemalangan-jalan-raya\">Perlu Dibuat Jika Terlibat Dalam Kemalangan Jalan Raya<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/statistik-kemalangan-di-malaysia-peranan-insuran-kereta\">Statistik Kemalangan Di Malaysia &amp; Peranan Insuran Kereta<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ramai pemandu risau NCD hilang bila buat tuntutan. Artikel ini terangkan bila NCD terjejas, bila tak, dan cara elak rugi diskaun.<\/p>\n","protected":false},"author":31,"featured_media":54320,"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":[424,977],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NCD Terjejas Bila Buat Tuntutan Insuran Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: NCD Terjejas Bila Buat Tuntutan Insuran Kereta . 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