{"id":56483,"date":"2025-11-21T01:35:40","date_gmt":"2025-11-20T17:35:40","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56483"},"modified":"2025-11-21T01:35:42","modified_gmt":"2025-11-20T17:35:42","slug":"why-ncd-cannot-be-transferred","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/info\/why-ncd-cannot-be-transferred","title":{"rendered":"Why NCD Cannot Be Transferred?"},"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-69d79027bec8e\" 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-69d79027bec8e\"><\/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\/info\/why-ncd-cannot-be-transferred\/#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\/info\/why-ncd-cannot-be-transferred\/#1_Different_Owner_Name\" title=\"1. Different Owner Name\">1. Different Owner Name<\/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\/info\/why-ncd-cannot-be-transferred\/#2_Different_Vehicle_Class\" title=\"2. Different Vehicle Class\">2. Different Vehicle Class<\/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\/info\/why-ncd-cannot-be-transferred\/#3_Presence_of_Gap_Coverage\" title=\"3. Presence of Gap Coverage\">3. Presence of Gap Coverage<\/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\/info\/why-ncd-cannot-be-transferred\/#4_NCD_Transferred_Without_Endorsement\" title=\"4. NCD Transferred Without Endorsement\">4. NCD Transferred Without Endorsement<\/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\/info\/why-ncd-cannot-be-transferred\/#5_Attempting_Transfer_From_an_Active_Policy\" title=\"5. Attempting Transfer From an Active Policy\">5. Attempting Transfer From an Active Policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/info\/why-ncd-cannot-be-transferred\/#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>Misunderstand the NCD transfer rules, and you\u2019ll end up paying higher premiums. This article explains the five reasons Why NCD cannot be transferred and guides you through the practical steps to protect your discount.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Different_Owner_Name\"><\/span><strong>1. Different Owner Name<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD is only valid for the same owner as listed in the original policy.<\/p>\n\n\n\n<ul><li>You cannot transfer your NCD to anyone else.<\/li><\/ul>\n\n\n\n<p><strong>BJAK Tip:<\/strong> Ensure the car owner and the policyholder are the same if you want to maintain your NCD.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Different_Vehicle_Class\"><\/span><strong>2. Different Vehicle Class<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can only apply your NCD to cars within the same class (e.g., passenger car to passenger car).<\/p>\n\n\n\n<ul><li>Changing vehicle class \u2192 NCD becomes invalid.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Presence_of_Gap_Coverage\"><\/span><strong>3. Presence of Gap Coverage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If there is a period without coverage between the old and new policy, the NCD may drop one level or revert to 0%.<\/p>\n\n\n\n<ul><li>A gap in coverage can make the transfer fail or cause you to lose the discount.<\/li><\/ul>\n\n\n\n<p><strong>BJAK Tip:<\/strong> Renew on time or use BJAK reminders to avoid gap coverage.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_NCD_Transferred_Without_Endorsement\"><\/span><strong>4. NCD Transferred Without Endorsement<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can only transfer your NCD through an official endorsement or by cancelling the policy with a top-up payment.<\/p>\n\n\n\n<ul><li>Without an endorsement, you cannot transfer your NCD even if you are the same owner.<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Attempting_Transfer_From_an_Active_Policy\"><\/span><strong>5. Attempting Transfer From an Active Policy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You cannot transfer your NCD from an active policy without a formal NCD withdrawal endorsement.<\/p>\n\n\n\n<ul><li>Active policy \u2192 no transfer is allowed without following official procedures.<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=\"56545\" data-permalink=\"https:\/\/bjak.my\/blog\/info\/why-ncd-cannot-be-transferred\/attachment\/4-140-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-140.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=\"4-140\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-140.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-140.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\/4-140.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing five reasons NCD cannot be transferred: different owner, different vehicle class, gap coverage, no endorsement, and active policy.\" class=\"wp-image-56545\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-140.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-140.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-140.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-140.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-140.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>Car owners in Malaysia must understand why NCD cannot be transferred. The five main reasons\u2014different owner name, different vehicle class, gap in coverage, missing endorsement, and active policy\u2014show why you cannot simply move your discount.. Follow BJAK\u2019s guidelines to protect your NCD, avoid higher premiums, and ensure your policy remains valid.<\/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=why-ncd-cannot-be-transferred\" 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\/fire-theft-common-misunderstandings-when-making-a-claim\">Fire &amp; Theft: Common Misunderstandings When Making a Claim<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/warranty-for-1015-year-old-cars-still-available\">Warranty for 10\u201315 Year-Old Cars Still Available<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/key-care-cover-for-expensive-key-replacement\">Key Care Cover for Expensive Key Replacement<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Many car owners are confused about why NCD cannot be transferred. This article explains the 5 main reasons so you can protect your insurance discount.<\/p>\n","protected":false},"author":31,"featured_media":56544,"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],"tags":[3163,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why NCD Cannot Be Transferred? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Info | Read about: Why NCD Cannot Be Transferred? 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