{"id":54728,"date":"2025-10-31T22:59:47","date_gmt":"2025-10-31T14:59:47","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54728"},"modified":"2025-10-31T22:59:49","modified_gmt":"2025-10-31T14:59:49","slug":"renewing-under-new-company-without-losing-ncd","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/renewing-under-new-company-without-losing-ncd","title":{"rendered":"Renewing Under New Company Without Losing NCD"},"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-6a09c4aaeb288\" 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-6a09c4aaeb288\"><\/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\/renewing-under-new-company-without-losing-ncd\/#What_Is_NCD_and_Why_It_Matters\" title=\"What Is NCD and Why It Matters\">What Is NCD and Why It Matters<\/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\/renewing-under-new-company-without-losing-ncd\/#How_to_Renew_With_a_New_Company_Without_Losing_NCD\" title=\"How to Renew With a New Company Without Losing NCD\">How to Renew With a New Company Without Losing 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\/renewing-under-new-company-without-losing-ncd\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"What_Is_NCD_and_Why_It_Matters\"><\/span><strong>What Is NCD and Why It Matters<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>No Claim Discount <\/strong>is offered to those who renew yearly without filing any claims. It\u2019s an easy way to save money just by keeping a clean driving record. Many car owners worry they\u2019ll lose their NCD when renewing under a new company. The truth is, as long as you have valid records and complete documents, your NCD can be transferred without issue.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_to_Renew_With_a_New_Company_Without_Losing_NCD\"><\/span><strong>How to Renew With a New Company Without Losing NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>1. Check your NCD record<\/strong> \u2013 Make sure your previous policy clearly shows your current NCD rate.<br><strong>2. Request an NCD confirmation letter<\/strong> \u2013 Your previous insurer can issue a letter to verify your discount for the new company.<br><strong>3. Compare new policies<\/strong> \u2013 Review the protection, premium rates, and extra benefits before choosing one.<br><strong>4. Prepare the required documents<\/strong> \u2013 You\u2019ll need your car card, IC, old policy, and the NCD confirmation letter.<br><strong>5. Receive your new policy<\/strong> \u2013 Once approved, your coverage continues smoothly with your NCD intact.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> Don\u2019t wait until your old policy expires. Renew early to make sure there\u2019s no gap in coverage.<\/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=\"54784\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/renewing-under-new-company-without-losing-ncd\/attachment\/4-193\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-193.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=\"4-193\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-193.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-193.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\/4-193.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing five simple steps to renew car insurance with a new company without losing NCD in Malaysia.\n\" class=\"wp-image-54784\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-193.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-193.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-193.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-193.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-193.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>Renewing under a new company will not compromise your NCD. You can just notify the new company of your NCD % and it will appear on your new quotation when it\u2019s time to renew. Always check your NCD status before renewal to ensure maximum savings.<\/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=renewing-under-new-company-without-losing-ncd\" 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\/check-car-roadtax-insurance-expiry-online\">Check Car Roadtax &amp; Insurance Expiry Online<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax-online-vs-post-office-which-is-worth-it\">Roadtax Online vs Post Office, Which Is Worth It?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-ncd-is-calculated-in-a-car-insurance-calculator\">How NCD Is Calculated in a Car Insurance Calculator<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Switching to a new insurance company doesn\u2019t mean losing your NCD. This guide explains how to renew your car insurance with a new provider while keeping your No Claim Discount intact.<\/p>\n","protected":false},"author":31,"featured_media":54783,"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":[429,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Renewing Under New Company Without Losing NCD | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Renewing Under New Company Without Losing NCD . 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