{"id":56689,"date":"2025-11-22T20:31:08","date_gmt":"2025-11-22T12:31:08","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56689"},"modified":"2025-11-22T20:31:10","modified_gmt":"2025-11-22T12:31:10","slug":"accident-tapi-ncd-tak-turun-begini-caranya","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya","title":{"rendered":"Accident Tapi NCD Tak Turun? Begini Caranya"},"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-69d7765275a5c\" 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-69d7765275a5c\"><\/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\/accident-tapi-ncd-tak-turun-begini-caranya\/#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\/accident-tapi-ncd-tak-turun-begini-caranya\/#1_Fahami_Bagaimana_NCD_Berfungsi\" title=\"1. Fahami Bagaimana NCD Berfungsi\">1. Fahami Bagaimana NCD Berfungsi<\/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\/accident-tapi-ncd-tak-turun-begini-caranya\/#2_Bila_NCD_Anda_Tidak_Akan_Turun\" title=\"2. Bila NCD Anda Tidak Akan Turun\">2. Bila NCD Anda Tidak Akan Turun<\/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\/accident-tapi-ncd-tak-turun-begini-caranya\/#3_Langkah_Claim_Pihak_Ketiga_Untuk_Selamatkan_NCD\" title=\"3. Langkah Claim Pihak Ketiga Untuk Selamatkan NCD\">3. Langkah Claim Pihak Ketiga Untuk Selamatkan NCD<\/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\/accident-tapi-ncd-tak-turun-begini-caranya\/#4_Tip_Tambahan_Untuk_Lindungi_NCD\" title=\"4. Tip Tambahan Untuk Lindungi NCD\">4. Tip Tambahan Untuk Lindungi NCD<\/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\/accident-tapi-ncd-tak-turun-begini-caranya\/#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>NCD (No-Claim Discount) adalah aset berharga bagi pemandu kereta, dan ramai risau kehilangan diskaun ini selepas kemalangan. <strong>Accident tapi NCD tak turun<\/strong> boleh berlaku jika anda tahu cara claim dengan betul. Ramai pemandu panik walaupun kemalangan bukan salah mereka, tetapi langkah yang tepat boleh memastikan potongan NCD kekal selamat. Artikel ini terangkan bila sesuai guna claim pihak ketiga, langkah-langkah sebelum dan selepas kemalangan, dan cara lindungi NCD anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Fahami_Bagaimana_NCD_Berfungsi\"><\/span><strong>1. Fahami Bagaimana NCD Berfungsi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD dikira berdasarkan sejarah claim kereta anda. Jika tiada claim dibuat, potongan NCD meningkat setiap tahun. Namun, jika anda claim di bawah polisi komprehensif (1st party), NCD biasanya akan turun mengikut jadual.<\/p>\n\n\n\n<p><strong>Nota penting:<\/strong> Kemalangan bukan salah anda boleh diselamatkan NCD jika claim dibuat melalui pihak ketiga (third party claim) atau ada endorsement khas.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Bila_NCD_Anda_Tidak_Akan_Turun\"><\/span><strong>2. Bila NCD Anda Tidak Akan Turun<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Situasi di mana NCD anda tetap selamat termasuk:<\/p>\n\n\n\n<ul><li>Claim dibuat melalui pihak ketiga untuk kerosakan akibat orang lain<br><\/li><li>Kemalangan bukan salah anda dan bukti jelas disokong laporan polis<br><\/li><li>Polisi insurans mempunyai endorsement untuk lindungi NCD<br><\/li><\/ul>\n\n\n\n<p>Jika claim dibuat di bawah komprehensif sendiri tanpa punca pihak ketiga, NCD biasanya akan turun walaupun kos repair ditanggung penuh.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Langkah_Claim_Pihak_Ketiga_Untuk_Selamatkan_NCD\"><\/span><strong>3. Langkah Claim Pihak Ketiga Untuk Selamatkan NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Untuk elakkan NCD turun:<\/p>\n\n\n\n<ol><li>Buat laporan polis dalam 24 jam selepas kemalangan.<br><\/li><li>Ambil gambar bukti kerosakan, lokasi dan nombor plat pihak kedua.<br><\/li><li>Hubungi syarikat insurans untuk submit claim pihak ketiga.<br><\/li><li>Pastikan adjuster dan bengkel panel dilibatkan untuk pengesahan kerosakan.<br><\/li><li>Pantau status claim sehingga selesai, dan simpan semua dokumen untuk rujukan.<br><\/li><\/ol>\n\n\n\n<p>Claim pihak ketiga memastikan NCD anda kekal walaupun kos repair ditanggung oleh pihak lain.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Tip_Tambahan_Untuk_Lindungi_NCD\"><\/span><strong>4. Tip Tambahan Untuk Lindungi NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Jangan buat repair sendiri sebelum claim diluluskan.<br><\/li><li>Pilih panel workshop yang diiktiraf oleh insurans.<br><\/li><li>Pastikan laporan polis lengkap dan punca kerosakan jelas.<br><\/li><li>Simpan semua bukti termasuk gambar dan laporan bengkel.<br><\/li><li>Fahami polisi anda dan endorsement yang melindungi NCD.<br><\/li><\/ul>\n\n\n\n<p>Dengan langkah ini, risiko kehilangan NCD dapat diminimumkan walaupun kemalangan bukan salah anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"56751\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya\/attachment\/3-152-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-152.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=\"3-152\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-152.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-152.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\/3-152.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan empat langkah claim pihak ketiga selepas kemalangan untuk selamatkan NCD: laporan polis, ambil gambar bukti, hubungi insurans, dan pantau status claim.\" class=\"wp-image-56751\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-152.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-152.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-152.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-152.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-152.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>Dengan mengikuti panduan claim yang betul, NCD tetap selamat walaupun kemalangan bukan salah anda. <strong>Accident tapi NCD tak turun<\/strong> bukan mustahil jika anda guna pihak ketiga, dokumentasi lengkap, dan ikut prosedur insurans dengan betul. Tindakan pantas dan pemahaman polisi adalah kunci untuk elakkan kerugian jangka panjang dan memastikan premium tahun depan tidak naik mendadak.<\/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=accident-tapi-ncd-tak-turun-begini-caranya\" 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\/info\/kereta-untuk-keluarga-kenapa-mpv-masih-relevan\">Kereta Untuk Keluarga: Kenapa MPV Masih Relevan<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/ncd-boleh-hilang-tanpa-disedari\">NCD Boleh Hilang Tanpa Disedari<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perlu-ambil-strike-riot-civil-commotion-srcc\">Perlu Ambil Strike, Riot &amp; Civil Commotion (SRCC)?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemandu risau NCD hilang selepas kemalangan walaupun bukan salah mereka. Artikel ini terangkan cara claim dengan betul supaya NCD kekal selamat, termasuk pilihan pihak ketiga dan langkah-langkah yang perlu diambil.<\/p>\n","protected":false},"author":31,"featured_media":56750,"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":[5,243,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Accident Tapi NCD Tak Turun? Begini Caranya | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Accident Tapi NCD Tak Turun? Begini Caranya Untuk Jimatkan Dengan Penggunaan NCD!\" \/>\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\/accident-tapi-ncd-tak-turun-begini-caranya\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Accident Tapi NCD Tak Turun? Begini Caranya | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Accident Tapi NCD Tak Turun? Begini Caranya Untuk Jimatkan Dengan Penggunaan NCD!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya\" \/>\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=\"2025-11-22T12:31:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-22T12:31:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/1-153.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\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! Fastest way to renew in Malaysia!\",\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bjak.my\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#primaryimage\",\"url\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/1-153.jpg?fit=1600%2C1012&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/1-153.jpg?fit=1600%2C1012&ssl=1\",\"width\":1600,\"height\":1012,\"caption\":\"Accident Tapi NCD Tak Turun? Begini Caranya\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya\",\"name\":\"Accident Tapi NCD Tak Turun? Begini Caranya | BJAK\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#primaryimage\"},\"datePublished\":\"2025-11-22T12:31:08+00:00\",\"dateModified\":\"2025-11-22T12:31:10+00:00\",\"description\":\"BJAK | Insurans Kereta | Read about: Accident Tapi NCD Tak Turun? Begini Caranya Untuk Jimatkan Dengan Penggunaan NCD!\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Accident Tapi NCD Tak Turun? Begini Caranya\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\"},\"headline\":\"Accident Tapi NCD Tak Turun? Begini Caranya\",\"datePublished\":\"2025-11-22T12:31:08+00:00\",\"dateModified\":\"2025-11-22T12:31:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#webpage\"},\"wordCount\":399,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/1-153.jpg?fit=1600%2C1012&ssl=1\",\"keywords\":[\"Accident\",\"insurans kereta\",\"NCD\"],\"articleSection\":[\"Insurans Kereta\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\",\"name\":\"tariqsiregar@bjak.my\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g\",\"caption\":\"tariqsiregar@bjak.my\"},\"url\":\"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Accident Tapi NCD Tak Turun? Begini Caranya | BJAK","description":"BJAK | Insurans Kereta | Read about: Accident Tapi NCD Tak Turun? Begini Caranya Untuk Jimatkan Dengan Penggunaan NCD!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya","og_locale":"en_US","og_type":"article","og_title":"Accident Tapi NCD Tak Turun? Begini Caranya | BJAK","og_description":"BJAK | Insurans Kereta | Read about: Accident Tapi NCD Tak Turun? Begini Caranya Untuk Jimatkan Dengan Penggunaan NCD!","og_url":"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2025-11-22T12:31:08+00:00","article_modified_time":"2025-11-22T12:31:10+00:00","og_image":[{"width":1600,"height":1012,"url":"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/1-153.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"tariqsiregar@bjak.my","Est. reading time":"2 minutes"},"schema":{"@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! Fastest way to renew in Malaysia!","publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bjak.my\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#primaryimage","url":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/1-153.jpg?fit=1600%2C1012&ssl=1","contentUrl":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/1-153.jpg?fit=1600%2C1012&ssl=1","width":1600,"height":1012,"caption":"Accident Tapi NCD Tak Turun? Begini Caranya"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#webpage","url":"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya","name":"Accident Tapi NCD Tak Turun? Begini Caranya | BJAK","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#primaryimage"},"datePublished":"2025-11-22T12:31:08+00:00","dateModified":"2025-11-22T12:31:10+00:00","description":"BJAK | Insurans Kereta | Read about: Accident Tapi NCD Tak Turun? Begini Caranya Untuk Jimatkan Dengan Penggunaan NCD!","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Accident Tapi NCD Tak Turun? Begini Caranya"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8"},"headline":"Accident Tapi NCD Tak Turun? Begini Caranya","datePublished":"2025-11-22T12:31:08+00:00","dateModified":"2025-11-22T12:31:10+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#webpage"},"wordCount":399,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/accident-tapi-ncd-tak-turun-begini-caranya#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/1-153.jpg?fit=1600%2C1012&ssl=1","keywords":["Accident","insurans kereta","NCD"],"articleSection":["Insurans Kereta"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8","name":"tariqsiregar@bjak.my","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g","caption":"tariqsiregar@bjak.my"},"url":"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/1-153.jpg?fit=1600%2C1012&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/56689"}],"collection":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=56689"}],"version-history":[{"count":3,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/56689\/revisions"}],"predecessor-version":[{"id":56752,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/56689\/revisions\/56752"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/56750"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=56689"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=56689"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=56689"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}