{"id":54548,"date":"2025-10-30T23:12:23","date_gmt":"2025-10-30T15:12:23","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54548"},"modified":"2025-11-05T18:10:38","modified_gmt":"2025-11-05T10:10:38","slug":"cara-ncd-dikira-dalam-kalkulator-insuran-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-ncd-dikira-dalam-kalkulator-insuran-kereta","title":{"rendered":"Cara NCD Dikira Dalam Kalkulator Insuran Kereta"},"content":{"rendered":"\n<p>Setiap kali anda renew insurans, anda sebenarnya berpeluang jimat hingga <strong>55%<\/strong> melalui <strong>NCD<\/strong> \u2014 atau <em>No Claim Discount<\/em>. Tapi ramai yang tak pasti bagaimana diskaun ini dikira, dan sama ada ia boleh dipindahkan ke kenderaan baru. Dalam panduan ini, kita akan fahamkan secara mudah <strong>cara NCD <strong>kereta<\/strong> dikira <\/strong>, serta bagaimana kalkulator insurans online seperti <strong>BJAK.my<\/strong> boleh bantu anda semak kadar sebenar sebelum membuat pembaharuan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\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-69d45ca753178\" 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-69d45ca753178\"><\/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\/cara-ncd-dikira-dalam-kalkulator-insuran-kereta\/#1_Apa_Itu_NCD\" title=\"1. Apa Itu NCD?\">1. Apa Itu NCD?<\/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\/cara-ncd-dikira-dalam-kalkulator-insuran-kereta\/#2_Cara_Kira_NCD_Kereta\" title=\"2. Cara Kira NCD Kereta\">2. Cara Kira NCD Kereta<\/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\/cara-ncd-dikira-dalam-kalkulator-insuran-kereta\/#3_Bolehkan_NCD_Dipindahkan_ke_Kereta_Baru\" title=\"3. Bolehkan NCD Dipindahkan ke Kereta Baru?\">3. Bolehkan NCD Dipindahkan ke Kereta Baru?<\/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\/cara-ncd-dikira-dalam-kalkulator-insuran-kereta\/#4_Bila_NCD_Boleh_Hilang\" title=\"4. Bila NCD Boleh Hilang?\">4. Bila NCD Boleh 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\/cara-ncd-dikira-dalam-kalkulator-insuran-kereta\/#5_Kelebihan_Semak_NCD_di_BJAK\" title=\"5. Kelebihan Semak NCD di BJAK\">5. Kelebihan Semak NCD di BJAK<\/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\/cara-ncd-dikira-dalam-kalkulator-insuran-kereta\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_Apa_Itu_NCD\"><\/span><strong>1. Apa Itu NCD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD (No Claim Discount) ialah potongan harga diberikan kepada pemandu yang <strong>tidak membuat sebarang tuntutan insurans<\/strong> sepanjang tempoh polisi.<br>Ia dianggap ganjaran kepada pemandu yang berhati-hati dan tidak terlibat dalam kemalangan.<\/p>\n\n\n\n<p>Setiap tahun tanpa tuntutan, kadar diskaun anda akan meningkat sehingga mencapai had maksimum 55% untuk insurans komprehensif.<\/p>\n\n\n\n<p>Contohnya:<\/p>\n\n\n\n<ul><li>Pertama tanpa tuntutan \u2192 25%<br><\/li><li>Kedua \u2192 30%<br><\/li><li>Ketiga \u2192 38.33%<br><\/li><li>Keempat \u2192 45%<br><\/li><li>Kelima dan seterusnya \u2192 55%<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Cara_Kira_NCD_Kereta\"><\/span><strong>2. Cara Kira NCD Kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Untuk tahu jumlah sebenar diskaun anda, gunakan kalkulator insurans dalam talian seperti <strong>BJAK.my<\/strong>.<br>Caranya mudah:<\/p>\n\n\n\n<ol><li>Masukkan nombor plat dan IC pemilik.<br><\/li><li>Sistem akan semak rekod NCD dalam pangkalan data PIAM (Persatuan Insurans Am Malaysia).<br><\/li><li>Jumlah diskaun akan dipaparkan serta-merta sebelum bayaran dibuat.<br><\/li><\/ol>\n\n\n\n<p>Jika premium asal insurans anda RM2,000 dan NCD anda 45%, anda hanya perlu bayar RM1,100 selepas diskaun.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Bolehkan_NCD_Dipindahkan_ke_Kereta_Baru\"><\/span><strong>3. Bolehkan NCD Dipindahkan ke Kereta Baru?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ya, boleh \u2014 selagi kereta baru itu <strong>atas nama pemilik yang sama<\/strong>.<br>Anda hanya perlu maklumkan kepada syarikat insurans semasa beli polisi baru.<br>Namun, NCD <strong>tidak boleh dipindahkan kepada orang lain<\/strong>, termasuk ahli keluarga.<\/p>\n\n\n\n<p>Contohnya, jika anda jual kereta lama dan beli kereta baru, kadar NCD anda masih kekal, tapi jika tukar nama pemilik kepada pasangan atau anak, diskaun itu tidak akan dibawa bersama.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Bila_NCD_Boleh_Hilang\"><\/span><strong>4. Bila NCD Boleh Hilang?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Diskaun NCD akan hilang jika anda membuat <strong>tuntutan insurans<\/strong> untuk kerosakan akibat kemalangan atau kehilangan kenderaan.<br>Namun, tuntutan kecil seperti cermin kereta (windshield claim) atau bencana alam tidak semestinya menjejaskan NCD \u2014 bergantung kepada polisi syarikat insurans masing-masing.<\/p>\n\n\n\n<p>Sebab itu penting untuk <strong>semak terma setiap polisi<\/strong> sebelum membuat tuntutan, agar anda tak kehilangan diskaun bertahun-tahun tanpa sedar.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Kelebihan_Semak_NCD_di_BJAK\"><\/span><strong>5. Kelebihan Semak NCD di BJAK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>BJAK bukan sahaja tunjuk kadar NCD, tapi juga bantu anda:<\/p>\n\n\n\n<ul><li>Bandingkan premium daripada lebih 10 syarikat insurans utama Malaysia<br><\/li><li>Ketahui nilai NCD terkini sebelum membuat pembayaran<br><\/li><li>Renew insurans &amp; roadtax serentak tanpa caj tersembunyi<br><\/li><\/ul>\n\n\n\n<p>Dengan cara ini, anda boleh pastikan diskaun NCD digunakan sepenuhnya untuk jimatkan bayaran tahunan.<\/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=\"54614\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-ncd-dikira-dalam-kalkulator-insuran-kereta\/attachment\/3-182\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-182.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=\"3-182\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-182.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-182.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\/3-182.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan kadar peningkatan diskaun NCD bagi kereta di Malaysia dari tahun pertama hingga kelima.\" class=\"wp-image-54614\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-182.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-182.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-182.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-182.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-182.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=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Mengetahui <strong>cara <strong>NCD kereta<\/strong> dikira <\/strong> penting untuk pastikan anda tidak bayar lebih semasa renew insurans. Semakin lama anda memandu tanpa tuntutan, semakin tinggi diskaun yang layak anda dapat.Gunakan platform seperti <strong>BJAK<\/strong> untuk semak kadar NCD semasa, bandingkan premium terbaik, dan terus buat pembaharuan dalam satu laman. Jimat masa, jimat duit, dan perlindungan kekal aktif.<\/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=cara-ncd-dikira-dalam-kalkulator-insuran-kereta\" style=\"background-color:#ffd103\">Dapatkan Sebutharga Percuma<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-neve-link-color-background-color has-background\">Kiraan Sekarang<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca Juga:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/renew-roadtax-mengguna-myjpj-kelemahannya\">Renew Roadtax Mengguna MyJPJ &amp; Kelemahannya<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/perbezaan-komprehensif-third-party-insuran-di-malaysia\">Perbezaan Komprehensif &amp; Third Party Insuran di Malaysia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/apakah-insuran-third-party-fire-theft-dalam-malaysia\">Apakah Insuran Third Party, Fire &amp; Theft Dalam Malaysia<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemilik kereta tak sedar mereka boleh dapat diskaun besar bila renew insurans \u2014 semuanya bergantung pada cara kira NCD kereta. Dalam artikel ini, kami terangkan maksud NCD, cara ia dikira dalam kalkulator insurans kereta, dan bagaimana anda boleh maksimakan penjimatan semasa pembaharuan.<\/p>\n","protected":false},"author":31,"featured_media":54613,"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":[2762,2923,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cara NCD Dikira Dalam Kalkulator Insuran Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Cara NCD Dikira Dalam Kalkulator Insuran Kereta. 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