{"id":56233,"date":"2025-11-18T22:59:55","date_gmt":"2025-11-18T14:59:55","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56233"},"modified":"2025-11-18T22:59:57","modified_gmt":"2025-11-18T14:59:57","slug":"ncd-lost-when-changing-car-owner-maintaining-ncd","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-lost-when-changing-car-owner-maintaining-ncd","title":{"rendered":"NCD Lost When Changing Car Owner?"},"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-69da1aa28e75d\" 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-69da1aa28e75d\"><\/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\/car-insurance\/ncd-lost-when-changing-car-owner-maintaining-ncd\/#Introduction\" title=\"Introduction\">Introduction<\/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\/car-insurance\/ncd-lost-when-changing-car-owner-maintaining-ncd\/#1_Understand_PIAM_Rules_on_NCD\" title=\"1. Understand PIAM Rules on NCD\">1. Understand PIAM Rules on 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\/car-insurance\/ncd-lost-when-changing-car-owner-maintaining-ncd\/#2_Steps_to_Maintain_NCD_When_Changing_Owner\" title=\"2. Steps to Maintain NCD When Changing Owner\">2. Steps to Maintain NCD When Changing 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\/car-insurance\/ncd-lost-when-changing-car-owner-maintaining-ncd\/#3_Risks_of_NCD_Managed_Improperly\" title=\"3. Risks of NCD Managed Improperly\">3. Risks of NCD Managed Improperly<\/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\/car-insurance\/ncd-lost-when-changing-car-owner-maintaining-ncd\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD, or No Claim Discount, is a car owner\u2019s right that can reduce insurance premiums. However, when changing ownership, many drivers worry about losing their NCD. This article focuses on <strong>NCD lost when changing car owner? How to maintain your discount<\/strong>, explaining official procedures and practical steps to ensure your premium discount remains valid and unaffected during policy renewal.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Understand_PIAM_Rules_on_NCD\"><\/span><strong>1. Understand PIAM Rules on NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>NCD linked under vehicle owner NRIC.<br><\/li><li>Transferrable based on the same vehicle type.<br><\/li><li>NCD is non transferrable among individuals.<br><\/li><li>NCD not transferrable when policy still active after vehicle sold.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Steps_to_Maintain_NCD_When_Changing_Owner\"><\/span><strong>2. Steps to Maintain NCD When Changing Owner<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Old Policy:<\/strong> Ensure the original policy is either cancelled or transferred according to official procedures.<br><\/li><li><strong>Endorsement:<\/strong> Use endorsement to move NCD to a new car within the same class for the original owner.<br><\/li><li><strong>Complete Documentation:<\/strong> Keep payment receipts, policy copies, and endorsement confirmation.<br><\/li><li><strong>Check NCD Status:<\/strong> Verify via BJAK or digital platforms to ensure NCD is displayed correctly before renewing the new policy.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Risks_of_NCD_Managed_Improperly\"><\/span><strong>3. Risks <\/strong>o<strong>f <\/strong>NCD Managed Improperly<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>NCD loss \u2192 higher premiums on the new policy.<br><\/li><li>Claims may be rejected if NCD records are inconsistent.<br><\/li><li>Errors can occur during renewal or policy transfer.<br><\/li><li>Tip: Never let the new buyer process the policy without endorsement, as this may cause the NCD to be lost.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"56287\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-lost-when-changing-car-owner-maintaining-ncd\/attachment\/4-120-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-120.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=\"4-120\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-120.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-120.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\/4-120.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing four key steps to retain NCD when changing car ownership, including cancelling\/transferring the policy, endorsement, keeping complete documentation, and checking NCD status.\" class=\"wp-image-56287\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-120.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-120.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-120.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-120.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-120.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=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Although changing car ownership can affect NCD, following official procedures such as endorsements, keeping complete documentation, and checking status via BJAK ensures your premium discount remains intact. Understanding <strong>NCD lost when changing car owner? <\/strong>Maintaining your discount helps you avoid extra costs and keeps your claims running smoothly in the future.<\/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=ncd-lost-when-changing-car-owner-maintaining-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\/car-insurance\/why-cart-only-appears-on-comprehensive-quotations\">Why CART Only Appears on Comprehensive Quotations<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/vehicle-depreciation-its-impact-on-insurance-claims\">Vehicle Depreciation &amp; Its Impact on Insurance Claims<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/cart-for-3rd-party-when-you-can-claim\">CART for 3rd Party: When You Can Claim<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>For drivers transferring car ownership, NCD can be lost if not handled correctly. This article explains NCD lost when changing car owner? How to maintain your discount so your premium discount remains valid.<\/p>\n","protected":false},"author":31,"featured_media":56286,"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":[429,3143,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NCD Lost When Changing Car Owner? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: NCD Lost When Changing Car Owner? 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