{"id":56203,"date":"2025-11-18T22:52:28","date_gmt":"2025-11-18T14:52:28","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56203"},"modified":"2025-11-18T22:52:30","modified_gmt":"2025-11-18T14:52:30","slug":"tukar-owner-kereta-cara-kekalkan-ncd-anda","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/tukar-owner-kereta-cara-kekalkan-ncd-anda","title":{"rendered":"Tukar Owner Kereta? Cara Kekalkan NCD Anda"},"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-69d7904e3a5e3\" 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-69d7904e3a5e3\"><\/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\/tukar-owner-kereta-cara-kekalkan-ncd-anda\/#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\/tukar-owner-kereta-cara-kekalkan-ncd-anda\/#1_Fahami_Peraturan_PIAM_Tentang_NCD\" title=\"1. Fahami Peraturan PIAM Tentang NCD\">1. Fahami Peraturan PIAM Tentang NCD<\/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\/tukar-owner-kereta-cara-kekalkan-ncd-anda\/#2_Langkah_Kekalkan_NCD_Bila_Tukar_Owner\" title=\"2. Langkah Kekalkan NCD Bila Tukar Owner\">2. Langkah Kekalkan NCD Bila Tukar Owner<\/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\/tukar-owner-kereta-cara-kekalkan-ncd-anda\/#3_Risiko_Jika_NCD_Tidak_Diurus_Dengan_Betul\" title=\"3. Risiko Jika NCD Tidak Diurus Dengan Betul\">3. Risiko Jika NCD Tidak Diurus Dengan Betul<\/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\/tukar-owner-kereta-cara-kekalkan-ncd-anda\/#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 hak pemilik kereta yang membantu menjimatkan premium insurans. Ramai pemilik bimbang NCD hilang apabila kereta ditukar kepada pemilik baru. Artikel ini terangkan <strong>cara kekalkan NCD anda walaupun tukar owner<\/strong> <strong>kereta<\/strong>, dengan panduan prosedur rasmi dan langkah praktikal supaya potongan premium anda kekal sah dan tidak terganggu semasa renewal.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Fahami_Peraturan_PIAM_Tentang_NCD\"><\/span><strong>1. Fahami Peraturan PIAM Tentang NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>NCD dikaitkan dengan <strong>NRIC pemilik<\/strong>, bukan kenderaan.<br><\/li><li>NCD hanya boleh digunakan untuk <strong>kelas kenderaan yang sama<\/strong>.<br><\/li><li>Transfer NCD antara orang berbeza <strong>tidak dibenarkan<\/strong>.<br><\/li><li>Jika tukar owner tanpa endorsement atau pembatalan, NCD asal boleh hilang.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Langkah_Kekalkan_NCD_Bila_Tukar_Owner\"><\/span><strong>2. Langkah Kekalkan NCD Bila Tukar Owner<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Polisi Lama:<\/strong> Pastikan polisi asal dibatalkan atau dipindahkan mengikut prosedur rasmi.<br><\/li><li><strong>Endorsement:<\/strong> Gunakan endorsement untuk memindahkan NCD ke kereta baru dalam kelas yang sama untuk pemilik asal.<br><\/li><li><strong>Dokumen Lengkap:<\/strong> Simpan bukti pembayaran, salinan polisi, dan pengesahan endorsement.<br><\/li><li><strong>Semak Status NCD:<\/strong> Semak melalui BJAK atau platform digital untuk pastikan NCD dipaparkan betul sebelum renew polisi baru.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Risiko_Jika_NCD_Tidak_Diurus_Dengan_Betul\"><\/span><strong>3. Risiko Jika NCD Tidak Diurus Dengan Betul<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>NCD hilang \u2192 premium baru lebih tinggi.<br><\/li><li>Claim boleh ditolak jika rekod NCD tidak konsisten.<br><\/li><li>Kesilapan boleh berlaku semasa renewal atau pindah polisi.<br><\/li><\/ul>\n\n\n\n<p><strong>Tip:<\/strong> Jangan biarkan pembeli baru memproses polisi tanpa urusan endorsement kerana ia boleh menyebabkan NCD hilang.<\/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=\"56257\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tukar-owner-kereta-cara-kekalkan-ncd-anda\/attachment\/3-118-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-118.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=\"3-118\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-118.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-118.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\/3-118.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan empat langkah penting kekalkan NCD ketika tukar owner termasuk batalkan\/pindah polisi, endorsement, simpan dokumen lengkap, dan semak status NCD.\" class=\"wp-image-56257\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-118.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-118.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-118.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-118.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-118.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>Walaupun menukar pemilik kereta boleh menjejaskan NCD, <strong>pemilik asal masih boleh mengekalkan NCD mereka<\/strong> dengan mengikuti prosedur rasmi seperti endorsement, membatalkan polisi lama dengan betul, dan menyemak status melalui platform digital seperti BJAK. Memahami <strong>cara kekalkan NCD walaupun tukar owner<\/strong> <strong>kereta <\/strong>memastikan hak potongan premium anda kekal selamat dan tiada masalah semasa membuat 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=tukar-owner-kereta-cara-kekalkan-ncd-anda\" 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\/insurans-kereta\/susut-nilai-kenderaan-kesan-pada-tuntutan-insurans\">Susut Nilai Kenderaan &amp; Kesan Pada Tuntutan Insurans<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cart-untuk-3rd-party-bila-anda-boleh-claim\">CART untuk 3rd Party: Bila Anda Boleh Claim<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-komprehensif-dan-pihak-ketiga-perbandingan-jelas\">Insurans Komprehensif dan Pihak Ketiga: Perbandingan Jelas<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bagi pemandu yang menukar pemilik kereta, NCD boleh hilang jika tidak diurus dengan betul. Artikel ini terangkan NCD Hilang Bila Tukar Owner? Cara Kekalkan Potongan supaya hak potongan premium kekal sah.<\/p>\n","protected":false},"author":31,"featured_media":56256,"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":[243,424,3139],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tukar Owner Kereta? Cara Kekalkan NCD Anda | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Tukar Owner Kereta? 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