{"id":56188,"date":"2025-11-18T22:51:04","date_gmt":"2025-11-18T14:51:04","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56188"},"modified":"2025-11-18T22:51:08","modified_gmt":"2025-11-18T14:51:08","slug":"boleh-ke-transfer-ncd-kereta-ke-motor","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-transfer-ncd-kereta-ke-motor","title":{"rendered":"Boleh Ke Transfer NCD Kereta Ke Motor?"},"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-69e13861e03bb\" 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-69e13861e03bb\"><\/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-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-transfer-ncd-kereta-ke-motor\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-transfer-ncd-kereta-ke-motor\/#1_Apa_Itu_NCD_dan_Siapa_Berhak_Menggunakannya\" title=\"1. Apa Itu NCD dan Siapa Berhak Menggunakannya\">1. Apa Itu NCD dan Siapa Berhak Menggunakannya<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-transfer-ncd-kereta-ke-motor\/#2_Peraturan_PIAM_Mengenai_NCD\" title=\"2. Peraturan PIAM Mengenai NCD\">2. Peraturan PIAM Mengenai NCD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-transfer-ncd-kereta-ke-motor\/#3_Apa_Yang_Boleh_Anda_Lakukan\" title=\"3. Apa Yang Boleh Anda Lakukan\">3. Apa Yang Boleh Anda Lakukan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-transfer-ncd-kereta-ke-motor\/#4_Risiko_Jika_Cuba_Transfer_NCD_Secara_Tidak_Sah\" title=\"4. Risiko Jika Cuba Transfer NCD Secara Tidak Sah\">4. Risiko Jika Cuba Transfer NCD Secara Tidak Sah<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-transfer-ncd-kereta-ke-motor\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD atau No Claim Discount adalah potongan premium untuk pemandu yang tidak membuat tuntutan dalam tempoh tertentu. Ramai pemilik kereta ingin tahu: <strong>Boleh Ke Transfer NCD Kereta Ke Motor?<\/strong> Jawapannya perlu tepat kerana ia melibatkan peraturan PIAM. Artikel ini akan terangkan secara jelas bahawa NCD kereta tidak boleh dipindahkan ke motosikal, dan apa yang perlu anda tahu untuk memaksimumkan potongan premium anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Apa_Itu_NCD_dan_Siapa_Berhak_Menggunakannya\"><\/span><strong>1. Apa Itu NCD dan Siapa Berhak Menggunakannya<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>NCD adalah hak individu, bukan kenderaan.<br><\/li><li>Ia dikaitkan dengan NRIC pemilik, dan hanya boleh digunakan pada kenderaan yang sama kelasnya (contoh: kereta ke kereta).<br><\/li><li>NCD tidak boleh diserahkan atau \u201cstack\u201d untuk dua polisi pada masa yang sama.<br><\/li><\/ul>\n\n\n\n<p>Dengan memahami prinsip ini, anda akan tahu kenapa <strong>transfer NCD kereta ke motor adalah tidak dibenarkan<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Peraturan_PIAM_Mengenai_NCD\"><\/span><strong>2. Peraturan PIAM Mengenai NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>PIAM menetapkan bahawa:<\/p>\n\n\n\n<ul><li>NCD hanya sah untuk satu kelas kenderaan sahaja.<br><\/li><li>Tiada NCD boleh digunakan untuk kenderaan lain tanpa endorsement yang sah.<br><\/li><li>Jika NCD dipindahkan ke kereta baru dalam kelas yang sama, NCD lama akan <strong>overwrite<\/strong> NCD sebelumnya pada polisi baru, dan NCD lama menjadi 0%.<br><\/li><\/ul>\n\n\n\n<p>Kesimpulannya: <strong>kereta ke motor adalah kelas berbeza \u2192 transfer tidak dibenarkan<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Apa_Yang_Boleh_Anda_Lakukan\"><\/span><strong>3. Apa Yang Boleh Anda Lakukan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Walaupun NCD kereta tidak boleh dipindah ke motosikal, anda masih boleh:<\/p>\n\n\n\n<ul><li>Gunakan NCD sedia ada pada kereta untuk polisi kereta lain dalam kelas yang sama.<br><\/li><li>Pastikan NCD dikekalkan ketika tukar owner atau beli kereta baru melalui proses <strong>endorsement rasmi<\/strong>.<br><\/li><li>Semak status NCD melalui platform digital seperti BJAK untuk memastikan tiada masalah dengan <strong>sistem insurans (ISM)<\/strong>.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Risiko_Jika_Cuba_Transfer_NCD_Secara_Tidak_Sah\"><\/span><strong>4. Risiko Jika Cuba Transfer NCD Secara Tidak Sah<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Claim anda boleh ditolak oleh syarikat insurans.<br><\/li><li>Sistem ISM akan detect percubaan duplicate atau transfer yang tidak sah.<br><\/li><li>NCD yang sah boleh hilang jika proses pindah tidak ikut prosedur PIAM.<br><\/li><\/ul>\n\n\n\n<p>Jadi, jangan cuba pindahkan NCD kereta ke motosikal \u2014 sebarang percubaan boleh merugikan.<\/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=\"56248\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-transfer-ncd-kereta-ke-motor\/attachment\/3-113-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-113.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=\"3-113\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-113.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-113.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\/11\/3-113.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan tiga langkah penting memahami NCD, termasuk hak individu, peraturan PIAM, dan cara sah kekalkan NCD semasa pindah kereta baru.\" class=\"wp-image-56248\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-113.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-113.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-113.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-113.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-113.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<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jawapan ringkas: <strong>tidak, anda tidak boleh transfer NCD kereta ke motor<\/strong>. NCD hanya sah untuk kelas kenderaan yang sama dan hanya boleh digunakan oleh pemilik yang sama. Untuk kekalkan potongan premium, gunakan NCD pada kereta dalam kelas sama, urus pindah melalui endorsement rasmi, dan semak status melalui platform seperti BJAK. Dengan langkah ini, hak NCD anda kekal selamat dan tiada masalah tuntutan di masa depan.<\/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=boleh-ke-transfer-ncd-kereta-ke-motor\" 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\/car-insurance\/perlindungan-natural-disaster-untuk-kereta-di-malaysia\">Perlindungan Natural Disaster untuk Kereta di Malaysia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/fahami-excess-deductibles-dalam-insurans-kereta\">Fahami Excess &amp; Deductibles Dalam Insurans Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-yang-tidak-dilindungi-roadside-assistance\">Apa Yang Tidak Dilindungi \u2014Roadside Assistance<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemandu tertanya-tanya sama ada mereka boleh memindahkan NCD dari kereta ke motosikal. Artikel ini menjelaskan dengan tepat Boleh Ke Transfer NCD Kereta Ke Motor? berdasarkan peraturan PIAM, termasuk syarat dan batasan yang perlu diketahui.<\/p>\n","protected":false},"author":31,"featured_media":56247,"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":[243,424,2814],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Boleh Ke Transfer NCD Kereta Ke Motor? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Boleh Ke Transfer NCD Kereta Ke Motor?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-transfer-ncd-kereta-ke-motor\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Boleh Ke Transfer NCD Kereta Ke Motor? | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Boleh Ke Transfer NCD Kereta Ke Motor?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/boleh-ke-transfer-ncd-kereta-ke-motor\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-18T14:51:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-18T14:51:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/1-113.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"tariqsiregar@bjak.my\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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