{"id":54245,"date":"2025-10-29T03:07:21","date_gmt":"2025-10-28T19:07:21","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54245"},"modified":"2025-10-29T15:28:25","modified_gmt":"2025-10-29T07:28:25","slug":"ncd-is-affected-during-car-insurance-claim","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-is-affected-during-car-insurance-claim","title":{"rendered":"NCD Is Affected During Car Insurance Claim"},"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-69d429c4c6dee\" 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-69d429c4c6dee\"><\/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\/ncd-is-affected-during-car-insurance-claim\/#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\/ncd-is-affected-during-car-insurance-claim\/#What_Is_NCD\" title=\"What Is NCD?\">What Is 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\/car-insurance\/ncd-is-affected-during-car-insurance-claim\/#When_NCD_Is_Not_Affected\" title=\"When NCD Is Not Affected\">When NCD Is Not 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\/ncd-is-affected-during-car-insurance-claim\/#When_NCD_Is_Lost\" title=\"When NCD Is Lost\">When NCD Is Lost<\/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\/ncd-is-affected-during-car-insurance-claim\/#How_to_Avoid_Losing_Your_NCD\" title=\"How to Avoid Losing Your NCD\">How to Avoid Losing 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\/ncd-is-affected-during-car-insurance-claim\/#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 car owners in Malaysia often wonder: if I make a claim, will my No Claim Discount (NCD) be affected? The answer depends on the type of claim and who is at fault. In this article, we\u2019ll explain the situations where <strong>NCD is affected<\/strong> and when it remains safe.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_Is_NCD\"><\/span><strong>What Is NCD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The NCD (No Claim Discount) is a discount given when you don\u2019t make any claims within a year. The longer you go without claiming, the higher your discount can be \u2014 up to 55% for private cars.<\/p>\n\n\n\n<p>However, if you make a claim, this discount can be reset. For example, if you file an <strong>Own Damage<\/strong> claim, your NCD may drop back to 0%.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"When_NCD_Is_Not_Affected\"><\/span><strong>When NCD Is Not Affected<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The good news is not all claims will reduce your NCD. Situations where your NCD remains safe include:<\/p>\n\n\n\n<ul><li><strong>Third Party Claim:<\/strong> If the accident was not your fault.<br><\/li><li><strong>Windscreen Claim:<\/strong> Considered an add-on, not a full claim.<br><\/li><li><strong>Fire or Theft Claims:<\/strong> Provided your policy covers these risks.<br><\/li><\/ul>\n\n\n\n<p>In these cases, your NCD stays intact.<\/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=\"54347\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-is-affected-during-car-insurance-claim\/attachment\/4-163\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-163.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=\"4-163\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-163.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-163.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-163.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing three types of car insurance claims and their impact on NCD: own damage (NCD lost), third party (NCD safe), and windscreen (NCD safe).\" class=\"wp-image-54347\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-163.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-163.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-163.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-163.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-163.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=\"When_NCD_Is_Lost\"><\/span><strong>When NCD Is Lost<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you make a claim under your own policy (for example, hitting a pole, tree, or an accident you caused), your NCD will drop immediately. The system is designed to reward drivers who don\u2019t make claims \u2014 not just those who avoid accidents.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_to_Avoid_Losing_Your_NCD\"><\/span><strong>How to Avoid Losing Your NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>For minor damage, it\u2019s sometimes better to pay out of pocket rather than file a claim. It costs a little, but preserves your discount for next year. Also, always check who is at fault before submitting a claim.<\/p>\n\n\n\n<p>For a quick check, you can compare insurance plans on <strong>Bjak<\/strong>. The platform shows the best policies with NCD calculated automatically, so you know exactly how much discount you enjoy before paying.<\/p>\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>In short, your NCD is affected if you make a claim under your own policy, but remains safe when claims are made against another party. Be smart before claiming \u2014 sometimes it\u2019s better to preserve your discount for the long term.<\/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-is-affected-during-car-insurance-claim\" 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\/the-role-of-jpj-bank-negara-in-regulating-car-insurance-policies\">The Role of JPJ &amp; Bank Negara In Regulating Car Insurance Policies<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/what-to-do-after-a-road-accident\">What To Do After A Road Accident<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/malaysia-road-accident-statistics-car-insurance-roles\">Malaysia Road Accident Statistics &amp; Car Insurance Roles<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Many drivers worry about losing their NCD when filing a claim. This article explains when NCD is affected, when it stays safe, and how to avoid losing your discount.<\/p>\n","protected":false},"author":31,"featured_media":54346,"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":[429,37,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NCD Is Affected During Car Insurance Claim | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: NCD Is Affected During Car Insurance Claim . 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