{"id":56578,"date":"2025-11-21T23:36:00","date_gmt":"2025-11-21T15:36:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56578"},"modified":"2025-11-21T23:36:01","modified_gmt":"2025-11-21T15:36:01","slug":"panduan-ncd-relief-elak-ncd-hilang-disebabkan-claim","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-ncd-relief-elak-ncd-hilang-disebabkan-claim","title":{"rendered":"Panduan NCD Relief: Elak NCD Hilang Disebabkan Claim"},"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-69e10b810ffd2\" 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-69e10b810ffd2\"><\/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\/panduan-ncd-relief-elak-ncd-hilang-disebabkan-claim\/#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\/panduan-ncd-relief-elak-ncd-hilang-disebabkan-claim\/#1_Apa_Itu_NCD_Relief\" title=\"1. Apa Itu NCD Relief\">1. Apa Itu NCD Relief<\/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\/panduan-ncd-relief-elak-ncd-hilang-disebabkan-claim\/#2_Bila_NCD_Relief_Boleh_Digunakan\" title=\"2. Bila NCD Relief Boleh Digunakan\">2. Bila NCD Relief Boleh Digunakan<\/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\/panduan-ncd-relief-elak-ncd-hilang-disebabkan-claim\/#3_Cara_Memohon_NCD_Relief\" title=\"3. Cara Memohon NCD Relief\">3. Cara Memohon NCD Relief<\/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\/panduan-ncd-relief-elak-ncd-hilang-disebabkan-claim\/#4_Tip_Tambahan\" title=\"4. Tip Tambahan\">4. Tip Tambahan<\/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\/insurans-kereta\/panduan-ncd-relief-elak-ncd-hilang-disebabkan-claim\/#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 (No Claim Discount) merupakan aset penting untuk setiap pemandu kereta. Namun, ramai tidak sedar bahawa NCD boleh turun atau hilang selepas claim jika tidak diurus dengan betul. <strong>Panduan NCD Relief<\/strong> ini terangkan langkah-langkah untuk elak NCD hilang, walaupun berlaku claim.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Apa_Itu_NCD_Relief\"><\/span><strong>1. Apa Itu NCD Relief<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>NCD Relief<\/strong> ialah mekanisme atau endorsement yang membolehkan NCD anda tetap selamat walaupun berlaku claim tertentu. Ia biasanya ditawarkan oleh insurer atau melalui platform rasmi seperti BJAK.<\/p>\n\n\n\n<p>Nota: NCD Relief hanya sah jika claim dikategorikan dengan betul dan melalui saluran rasmi.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Bila_NCD_Relief_Boleh_Digunakan\"><\/span><strong>2. Bila NCD Relief Boleh Digunakan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Claim yang bukan kesalahan anda (Accident Bukan Salah Anda)<br><\/li><li>Claim kecil yang tidak menjejaskan kereta secara besar<br><\/li><li>Situasi tertentu di mana insurer membenarkan NCD dipertahankan<br><\/li><\/ul>\n\n\n\n<p>Tip: Sentiasa semak dengan BJAK atau pihak insurer sama ada claim anda layak untuk NCD Relief.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Cara_Memohon_NCD_Relief\"><\/span><strong>3. Cara Memohon NCD Relief<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Hantar claim melalui saluran rasmi<\/strong> \u2013 BJAK atau insurer yang sah.<br><\/li><li><strong>Isi borang endorsement<\/strong> \u2013 Untuk memohon NCD Relief bagi kereta atau polisi tertentu.<br><\/li><li><strong>Pantau status claim<\/strong> \u2013 Pastikan NCD tidak diturunkan selepas claim diproses.<br><\/li><\/ol>\n\n\n\n<p>Nota: NCD hanya boleh dipindahkan di bawah NRIC yang sama dan kelas kenderaan sama.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Tip_Tambahan\"><\/span><strong>4. Tip Tambahan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Simpan rekod polisi lama dan bukti NCD sebelum claim.<br><\/li><li>Jangan tunggu polisi tamat tempoh sebelum renewal untuk memohon NCD Relief.<br><\/li><li>Faham hak anda: NCD biasanya tidak terjejas jika kemalangan bukan salah anda.<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=\"56639\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-ncd-relief-elak-ncd-hilang-disebabkan-claim\/attachment\/3-147-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-147.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=\"3-147\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-147.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-147.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\/3-147.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan tiga langkah menggunakan NCD Relief termasuk guna saluran rasmi, isi borang endorsement, dan semak status claim.\n\" class=\"wp-image-56639\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-147.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-147.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-147.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-147.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-147.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>Dengan <strong>Panduan NCD Relief<\/strong>, pemandu boleh selamatkan NCD walaupun berlaku claim. Gunakan saluran rasmi, ikut prosedur endorsement, dan semak status claim untuk pastikan diskaun insurans anda tetap kekal. Ini adalah langkah bijak untuk lindungi kos premium kereta pada masa hadapan.<\/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=panduan-ncd-relief-elak-ncd-hilang-disebabkan-claim\" 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\/ncd-tiba-tiba-0-cara-pulihkan-diskaun-anda\">NCD Tiba-Tiba 0%? Cara Pulihkan Diskaun Anda<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/retak-sikit-pada-windscreen-cara-selamatkan-ncd\">Retak Sikit Pada Windscreen? Cara Selamatkan NCD<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/coverage-lapse-selepas-polisi-tamat-apa-berlaku\">Coverage Lapse Selepas Polisi Tamat: Apa Berlaku?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemandu risau NCD hilang selepas claim. Panduan ini terangkan cara NCD relief membantu elak potongan insurans hilang.<\/p>\n","protected":false},"author":31,"featured_media":56638,"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":[243,424,3173],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Panduan NCD Relief: Elak NCD Hilang Disebabkan Claim | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Panduan NCD Relief: Elak NCD Hilang Disebabkan Claim &amp; Selamatkan NCD Untuk Diguna Pembelian Seterusnya!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-ncd-relief-elak-ncd-hilang-disebabkan-claim\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Panduan NCD Relief: Elak NCD Hilang Disebabkan Claim | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Panduan NCD Relief: Elak NCD Hilang Disebabkan Claim &amp; Selamatkan NCD Untuk Diguna Pembelian Seterusnya!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-ncd-relief-elak-ncd-hilang-disebabkan-claim\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-21T15:36:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-21T15:36:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/1-148.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1708\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"tariqsiregar@bjak.my\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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