{"id":56365,"date":"2025-11-19T23:30:13","date_gmt":"2025-11-19T15:30:13","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56365"},"modified":"2025-11-19T23:30:17","modified_gmt":"2025-11-19T15:30:17","slug":"missing-gap-cover-lost-ncd-avoid-this-mistake","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/missing-gap-cover-lost-ncd-avoid-this-mistake","title":{"rendered":"Missing Gap Cover \u2014 Lost NCD? Avoid This Mistake"},"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-6a12049ab94be\" 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-6a12049ab94be\"><\/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\/missing-gap-cover-lost-ncd-avoid-this-mistake\/#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\/missing-gap-cover-lost-ncd-avoid-this-mistake\/#1_What_Is_Gap_Cover\" title=\"1. What Is Gap Cover?\">1. What Is Gap Cover?<\/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\/missing-gap-cover-lost-ncd-avoid-this-mistake\/#2_Consequences_of_Missing_Gap_Cover\" title=\"2. Consequences of Missing Gap Cover\">2. Consequences of Missing Gap Cover<\/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\/missing-gap-cover-lost-ncd-avoid-this-mistake\/#3_How_to_Avoid_the_Issue\" title=\"3. How to Avoid the Issue\">3. How to Avoid the Issue<\/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\/missing-gap-cover-lost-ncd-avoid-this-mistake\/#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>NCD (No Claim Discount) is an important discount on car insurance premiums. However, delayed renewals or missing <strong>gap cover<\/strong> can cause your NCD to drop or even revert to 0%. This article explains common mistakes and how to ensure your NCD remains protected.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_What_Is_Gap_Cover\"><\/span><strong>1. What Is Gap Cover?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Gap cover helps protect your NCD when insurance renewal is late or there is a gap in coverage.<br><\/li><li>Without gap cover, even with <strong>no claims<\/strong>, your NCD can drop one level due to a period without protection.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Consequences_of_Missing_Gap_Cover\"><\/span><strong>2. Consequences of Missing Gap Cover<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>NCD may be lost or revert to <strong>0%<\/strong> if insurance is not renewed within the allowed period.<br><\/li><li>This leads to <strong>higher premiums<\/strong> for the next term, even if no claim was made.<br><\/li><li>Many car owners are unaware, losing discounts they have accumulated over years.<br><\/li><\/ul>\n\n\n\n<p><strong>BJAK Tip:<\/strong> Renew insurance before expiry, or take <strong>gap cover<\/strong> to prevent NCD loss.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_How_to_Avoid_the_Issue\"><\/span><strong>3. How to Avoid the Issue<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Check your insurance and roadtax <strong>expiry dates<\/strong>.<br><\/li><li>Renew early to avoid a coverage gap.<br><\/li><li>Use <strong>BJAK reminders<\/strong> to ensure you don\u2019t forget renewal.<br><\/li><li>If you miss renewal, contact BJAK immediately for <strong>gap cover or endorsement options<\/strong>.<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=\"56416\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/missing-gap-cover-lost-ncd-avoid-this-mistake\/attachment\/4-129-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-129.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=\"4-129\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-129.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-129.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-129.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing steps to prevent losing NCD, including checking expiry dates, renewing early, using BJAK reminders, and contacting BJAK if renewal is missed.\" class=\"wp-image-56416\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-129.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-129.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-129.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-129.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-129.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>Missing gap cover can cause your NCD to drop and your premiums to increase. With <strong>early planning, timely renewal, and BJAK reminders<\/strong>, you can keep your NCD safe and your insurance costs lower. Understanding this process is key to protecting your hard-earned discount.<\/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=missing-gap-cover--lost-ncd-avoid-this-mistake\" 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\/info\/transfer-car-ncd-to-a-motorcycle\">Transfer Car NCD to a Motorcycle?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/claims-processing-time-takaful-vs-conventional\">Claims Processing Time: Takaful vs Conventional<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/avoid-problems-when-claiming-cart-for-your-car\">Avoid Problems When Claiming CART for Your Car<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Many car owners are unaware that missing gap cover can cause their NCD to drop. This article explains how to avoid mistakes and keep your discount safe.<\/p>\n","protected":false},"author":31,"featured_media":56417,"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":[429,3149],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Missing Gap Cover \u2014 Lost NCD? Avoid This Mistake | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Missing Gap Cover \u2014 Lost NCD? 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