{"id":56453,"date":"2025-11-21T01:32:01","date_gmt":"2025-11-20T17:32:01","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56453"},"modified":"2025-11-21T01:32:03","modified_gmt":"2025-11-20T17:32:03","slug":"kenapa-ncd-tak-boleh-transfer","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ncd-tak-boleh-transfer","title":{"rendered":"Kenapa NCD Tak Boleh Transfer?"},"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-69d7904d56b97\" 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-69d7904d56b97\"><\/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\/insurans-kereta\/kenapa-ncd-tak-boleh-transfer\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/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\/insurans-kereta\/kenapa-ncd-tak-boleh-transfer\/#1_Nama_Pemilik_Berbeza\" title=\"1. Nama Pemilik Berbeza\">1. Nama Pemilik Berbeza<\/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\/insurans-kereta\/kenapa-ncd-tak-boleh-transfer\/#2_Kelas_Kenderaan_Berbeza\" title=\"2. Kelas Kenderaan Berbeza\">2. Kelas Kenderaan Berbeza<\/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\/insurans-kereta\/kenapa-ncd-tak-boleh-transfer\/#3_Terdapat_Gap_Coverage\" title=\"3. Terdapat Gap Coverage\">3. Terdapat Gap Coverage<\/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\/insurans-kereta\/kenapa-ncd-tak-boleh-transfer\/#4_NCD_Dipindah_Tanpa_Endorsement\" title=\"4. NCD Dipindah Tanpa Endorsement\">4. NCD Dipindah Tanpa Endorsement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ncd-tak-boleh-transfer\/#5_Percubaan_Transfer_dari_Polisi_Aktif\" title=\"5. Percubaan Transfer dari Polisi Aktif\">5. Percubaan Transfer dari Polisi Aktif<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ncd-tak-boleh-transfer\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kenapa <strong>NCD Tak Boleh Transfer<\/strong>, ia bukan sekadar isu teknikal; ia boleh menyebabkan premium meningkat jika anda tidak faham peraturannya. Artikel ini terangkan lima punca utama kenapa NCD tidak boleh dipindah, serta langkah yang perlu diambil supaya potongan anda kekal selamat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Nama_Pemilik_Berbeza\"><\/span><strong>1. Nama Pemilik Berbeza<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>NCD hanya sah untuk pemilik yang sama seperti dalam polisi asal.<br><\/li><li>Pemindahan NCD kepada orang lain tidak dibenarkan.<br><\/li><\/ul>\n\n\n\n<p>&nbsp;Tip BJAK: Pastikan pemilik kereta dan pemilik polisi adalah sama jika ingin kekalkan NCD.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Kelas_Kenderaan_Berbeza\"><\/span><strong>2. Kelas Kenderaan Berbeza<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>NCD hanya boleh dipindah ke kereta dalam kelas yang sama (contoh: kereta penumpang ke kereta penumpang).<br><\/li><li>Tukar kelas kenderaan \u2192 NCD tidak sah.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Terdapat_Gap_Coverage\"><\/span><strong>3. Terdapat Gap Coverage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Jika terdapat tempoh tanpa perlindungan antara polisi lama dan baru, NCD boleh drop satu tahap atau revert 0%.<br><\/li><li>Gap coverage menyebabkan pemindahan gagal atau hilang potongan.<br><\/li><\/ul>\n\n\n\n<p>&nbsp;Tip BJAK: Renew tepat masa atau gunakan BJAK reminder untuk elak gap coverage.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_NCD_Dipindah_Tanpa_Endorsement\"><\/span><strong>4. NCD Dipindah Tanpa Endorsement<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>NCD hanya boleh dipindah melalui endorsement rasmi atau polisi dibatalkan dengan top-up.<br><\/li><li>Tanpa endorsement, NCD tidak boleh dipindah walaupun pemilik sama.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Percubaan_Transfer_dari_Polisi_Aktif\"><\/span><strong>5. Percubaan Transfer dari Polisi Aktif<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>NCD tidak boleh dipindah dari polisi yang masih aktif tanpa endorsement pengeluaran NCD.<br><\/li><li>Polis aktif \u2192 tiada penukaran tanpa prosedur rasmi.<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=\"56508\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kenapa-ncd-tak-boleh-transfer\/attachment\/3-138-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-138.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=\"3-138\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-138.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-138.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\/3-138.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan lima punca NCD tak boleh transfer termasuk nama berbeza, kelas kenderaan berbeza, gap coverage, tiada endorsement, dan polisi aktif.\" class=\"wp-image-56508\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-138.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-138.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-138.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-138.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-138.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=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Memahami kenapa <strong>NCD Tak Boleh Transfer<\/strong> penting untuk pemilik kereta di Malaysia. Lima punca utama \u2013 nama pemilik berbeza, kelas kenderaan berbeza, gap coverage, tiada endorsement, dan polisi aktif \u2013 menjelaskan mengapa potongan tidak boleh dipindah begitu sahaja. Ikut panduan BJAK untuk lindungi NCD, elak premium naik, dan pastikan polisi tetap sah.<\/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=kenapa-ncd-tak-boleh-transfer\" 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\/fire-theft-ramai-salah-faham-bila-claim\">Fire &amp; Theft: Ramai Salah Faham Bila Claim<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/warranty-untuk-kereta-1015-tahun-masih-boleh-ambil\">Warranty untuk Kereta 10\u201315 Tahun Masih Boleh Ambil<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/key-care-cover-kos-gantian-kunci-mahal\">Key Care Cover Kos Gantian Kunci Mahal<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ramai pemilik kereta keliru kenapa NCD tidak boleh dipindah. Artikel ini terangkan 5 punca utama supaya anda faham cara lindungi potongan insurans.<\/p>\n","protected":false},"author":31,"featured_media":56507,"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":[1,350],"tags":[424,2814],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kenapa NCD Tak Boleh Transfer? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Kenapa NCD Tak Boleh Transfer? 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