{"id":54588,"date":"2025-10-30T23:21:17","date_gmt":"2025-10-30T15:21:17","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54588"},"modified":"2025-10-30T23:21:21","modified_gmt":"2025-10-30T15:21:21","slug":"how-ncd-is-calculated-in-a-car-insurance-calculator","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/how-ncd-is-calculated-in-a-car-insurance-calculator","title":{"rendered":"How NCD Is Calculated in a Car Insurance Calculator"},"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-69d45ca64a12e\" 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-69d45ca64a12e\"><\/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\/how-ncd-is-calculated-in-a-car-insurance-calculator\/#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\/how-ncd-is-calculated-in-a-car-insurance-calculator\/#1_What_Is_NCD\" title=\"1. What Is NCD?\">1. 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\/how-ncd-is-calculated-in-a-car-insurance-calculator\/#2_How_to_Calculate_NCD_for_Car_Insurance\" title=\"2. How to Calculate NCD for Car Insurance\">2. How to Calculate NCD for Car Insurance<\/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\/how-ncd-is-calculated-in-a-car-insurance-calculator\/#3_Can_You_Transfer_NCD_to_a_New_Car\" title=\"3. Can You Transfer NCD to a New Car?\">3. Can You Transfer NCD to a New Car?<\/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\/how-ncd-is-calculated-in-a-car-insurance-calculator\/#4_When_Does_NCD_Reset_or_Disappear\" title=\"4. When Does NCD Reset or Disappear?\">4. When Does NCD Reset or Disappear?<\/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\/how-ncd-is-calculated-in-a-car-insurance-calculator\/#5_Why_Check_Your_NCD_with_BJAK\" title=\"5. Why Check Your NCD with BJAK\">5. Why Check Your NCD with BJAK<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-ncd-is-calculated-in-a-car-insurance-calculator\/#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>Every time you renew your insurance, you actually have a chance to save up to <strong>55%<\/strong> through the <strong>No Claim Discount (NCD)<\/strong>. But many drivers aren\u2019t sure how this discount is calculated or whether it can be transferred to a new vehicle. In this guide, we\u2019ll break down in simple terms <strong>how NCD is calculated for car insurance<\/strong>, and how online insurance calculators like <strong>BJAK.my<\/strong> help you check your actual discount rate before you renew.<\/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\"><\/span><strong>1. What Is NCD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>NCD (No Claim Discount)<\/strong> is a reward given to drivers who don\u2019t make any insurance claims during their policy period.<br>It\u2019s basically a discount for being a careful driver and staying accident-free.<\/p>\n\n\n\n<p>Each year without a claim increases your discount until you reach the <strong>maximum 55%<\/strong> for comprehensive coverage.<\/p>\n\n\n\n<p><strong>Example:<\/strong><\/p>\n\n\n\n<ul><li>1st year without claim \u2192 25%<br><\/li><li>2nd year \u2192 30%<br><\/li><li>3rd year \u2192 38.33%<br><\/li><li>4th year \u2192 45%<br><\/li><li>5th year &amp; beyond \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_How_to_Calculate_NCD_for_Car_Insurance\"><\/span><strong>2. How to Calculate NCD for Car Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>To find out your exact discount amount, use an online insurance calculator like <strong>BJAK.my<\/strong>.<br>Here\u2019s how:<\/p>\n\n\n\n<ol><li>Enter your <strong>car plate number<\/strong> and <strong>IC number<\/strong>.<br><\/li><li>The system will check your NCD record through the <strong>PIAM database<\/strong> (General Insurance Association of Malaysia).<br><\/li><li>Your NCD percentage will appear instantly before payment.<br><\/li><\/ol>\n\n\n\n<p><strong>Example:<\/strong><strong><br><\/strong> If your original insurance premium is <strong>RM2,000<\/strong> and your NCD is <strong>45%<\/strong>, you\u2019ll only need to pay <strong>RM1,100<\/strong> after the discount.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Can_You_Transfer_NCD_to_a_New_Car\"><\/span><strong>3. Can You Transfer NCD to a New Car?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Yes \u2014 as long as the new car is registered under the <strong>same owner\u2019s name<\/strong>.<br>Just inform your insurer when purchasing the new policy.<\/p>\n\n\n\n<p>However, NCD <strong>cannot<\/strong> be transferred to another person, even family members.<\/p>\n\n\n\n<p><strong>Example:<\/strong><strong><br><\/strong>If you sell your old car and get a new one under your name, your NCD follows you automatically. But once the car ownership changes to someone else \u2014 even your spouse or kid \u2014 the discount won\u2019t move along with it.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_When_Does_NCD_Reset_or_Disappear\"><\/span><strong>4. When Does NCD Reset or Disappear?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your NCD will reset if you make a claim for accident damage or total loss.<br>However, minor claims \u2014 like <strong>windshield replacement<\/strong> or <strong>natural disaster<\/strong> damage \u2014 may not affect your NCD.<\/p>\n\n\n\n<p>This depends on your insurer\u2019s policy, so always check the terms before making a claim to avoid losing years of discount.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Why_Check_Your_NCD_with_BJAK\"><\/span><strong>5. Why Check Your NCD with BJAK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>BJAK not only shows your NCD rate but also helps you:<\/p>\n\n\n\n<ul><li>Compare premiums from over <strong>10 top insurance companies<\/strong> in Malaysia<\/li><li>Check your latest NCD before making payment<\/li><li>Renew <strong>insurance and roadtax together<\/strong> \u2014 with no hidden charges<\/li><\/ul>\n\n\n\n<p>This way, you can make sure your NCD discount is fully applied and enjoy the best annual savings.<\/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=\"54642\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-ncd-is-calculated-in-a-car-insurance-calculator\/attachment\/4-177\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-177.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=\"4-177\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-177.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-177.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\/4-177.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing the year-by-year increase of NCD discount for car insurance in Malaysia, from 25% in the first year to 55% in the fifth year.\" class=\"wp-image-54642\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-177.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-177.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-177.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-177.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-177.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=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Knowing <strong>how NCD is calculated for car insurance<\/strong> helps ensure you don\u2019t overpay during renewal. The longer you drive without a claim, the higher your discount grows.Use platforms like <strong>BJAK<\/strong> to check your current NCD rate, compare premiums, and renew everything in one place. Save time, save money \u2014 and keep your protection active.<\/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=how-ncd-is-calculated-in-a-car-insurance-calculator\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/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\">Calculate Now<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/renew-roadtax-without-insurance-is-it-possible\">Renew Roadtax Without Insurance, Is It Possible?<\/a><\/p>\n\n\n\n<p><br><strong><a href=\"https:\/\/bjak.my\/blog\/renew-roadtax-online-without-going-to-jpj\">Renew Roadtax Online Without Going to JPJ<\/a><\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/llop-vs-comprehensive-car-insurance-whats-the-difference\">LLOP vs Comprehensive Car Insurance, What\u2019s the Difference?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Many car owners don\u2019t realize they can save big when renewing their insurance \u2014 it all depends on how NCD is calculated. In this guide, we\u2019ll explain what NCD means, how it\u2019s calculated using a car insurance calculator, and how you can maximise your savings during renewal.<\/p>\n","protected":false},"author":31,"featured_media":54641,"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":[2926,429,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How NCD Is Calculated in a Car Insurance Calculator | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: How NCD Is Calculated in a Car Insurance Calculator . 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