{"id":56719,"date":"2025-11-22T20:36:15","date_gmt":"2025-11-22T12:36:15","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56719"},"modified":"2025-11-22T20:36:17","modified_gmt":"2025-11-22T12:36:17","slug":"accident-but-ncd-doesnt-drop-heres-how","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/accident-but-ncd-doesnt-drop-heres-how","title":{"rendered":"Accident But NCD Doesn&#8217;t Drop? Here&#8217;s How"},"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-69d7765161a7e\" 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-69d7765161a7e\"><\/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\/car-insurance\/accident-but-ncd-doesnt-drop-heres-how\/#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\/car-insurance\/accident-but-ncd-doesnt-drop-heres-how\/#1_Understand_How_NCD_Works\" title=\"1. Understand How NCD Works\">1. Understand How NCD Works<\/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\/car-insurance\/accident-but-ncd-doesnt-drop-heres-how\/#2_When_Your_NCD_Won%E2%80%99t_Drop\" title=\"2. When Your NCD Won\u2019t Drop\">2. When Your NCD Won\u2019t Drop<\/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\/car-insurance\/accident-but-ncd-doesnt-drop-heres-how\/#3_Steps_for_a_Third-Party_Claim_to_Protect_NCD\" title=\"3. Steps for a Third-Party Claim to Protect NCD\">3. Steps for a Third-Party Claim to Protect NCD<\/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\/car-insurance\/accident-but-ncd-doesnt-drop-heres-how\/#4_Extra_Tips_to_Protect_NCD\" title=\"4. Extra Tips to Protect NCD\">4. Extra Tips to Protect NCD<\/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\/car-insurance\/accident-but-ncd-doesnt-drop-heres-how\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD (No-Claim Discount) is one of the most valuable benefits for car owners. Losing it can significantly increase your premiums the following year. Many drivers panic after a crash, worried their NCD will drop \u2014 even if the accident wasn\u2019t their fault. This guide explains exactly how to make an insurance claim correctly so <strong>Accident But NCD Doesn\u2019t Drop<\/strong> becomes possible. You\u2019ll learn when to use a third-party claim, what evidence you need, and the key steps to take before and after an accident 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_Understand_How_NCD_Works\"><\/span>1. Understand How NCD Works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD is calculated based on your car\u2019s claim history. If no claims are made, your discount increases each year. However, if you claim under a comprehensive policy (1st party), your NCD usually decreases according to the schedule.<\/p>\n\n\n\n<p><strong>Important note:<\/strong> Accidents that aren\u2019t your fault can still preserve your NCD if claimed via a third party (third-party claim) or with a special endorsement.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_When_Your_NCD_Won%E2%80%99t_Drop\"><\/span>2. When Your NCD Won\u2019t Drop<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Situations where your NCD stays safe include:<\/p>\n\n\n\n<ul><li>Claiming through a third party for damage caused by someone else<br><\/li><li>Accidents that aren\u2019t your fault, with clear evidence supported by a police report<br><\/li><li>Policies with endorsements protecting NCD<br><\/li><\/ul>\n\n\n\n<p>If you claim under your own comprehensive policy without a third-party cause, your NCD will usually drop, even if repair costs are fully covered.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Steps_for_a_Third-Party_Claim_to_Protect_NCD\"><\/span>3. Steps for a Third-Party Claim to Protect NCD<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To prevent your NCD from dropping:<\/p>\n\n\n\n<ol><li>File a police report within 24 hours of the accident<br><\/li><li>Take photos of the damage, location, and the other vehicle\u2019s plate number<br><\/li><li>Contact your insurer to submit a third-party claim<br><\/li><li>Ensure the adjuster and panel workshop verify the damage<br><\/li><li>Monitor the claim status until completion and keep all documents for reference<br><\/li><\/ol>\n\n\n\n<p>Using a third-party claim ensures your NCD remains safe, even if repair costs are covered by someone else.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Extra_Tips_to_Protect_NCD\"><\/span>4. Extra Tips to Protect NCD<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Do not repair your car before the claim is approved<br><\/li><li>Choose a panel workshop recognized by your insurer<br><\/li><li>Ensure the police report is complete and the cause of damage is clear<br><\/li><li>Keep all evidence, including photos and workshop reports<br><\/li><li>Understand your policy and any endorsements protecting NCD<br><\/li><\/ul>\n\n\n\n<p>Following these steps minimizes the risk of losing your NCD, even if the accident wasn\u2019t your fault.<\/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=\"56781\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/accident-but-ncd-doesnt-drop-heres-how\/attachment\/4-157-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-157.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=\"4-157\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-157.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-157.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-157.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing four steps for filing a third-party claim after an accident to protect NCD: police report, photo evidence, contact insurer, and monitor claim status.\" class=\"wp-image-56781\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-157.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-157.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-157.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-157.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-157.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>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD is a powerful way to save on insurance premiums every year. With the right steps \u2014 including choosing a third-party claim when applicable and preparing proper documentation \u2014 you can ensure <strong>Accident But NCD Doesn\u2019t Drop<\/strong> even when the situation is stressful. Acting quickly, following the procedure, and understanding your policy helps you avoid long-term financial loss and keeps your premium low for the next renewal.<\/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-but-ncd-doesnt-drop-heres-how\" 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\/family-cars-why-mpvs-are-still-relevant\">Family Cars: Why MPVs Are Still Relevant<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-can-be-lost-without-you-realizing\">NCD Can Be Lost Without You Realizing<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/should-you-take-strike-riot-civil-commotion-coverage\">Should You Take Strike, Riot &amp; Civil Commotion Coverage?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many drivers worry about losing their NCD after an accident, even if it wasn\u2019t their fault. This article explains how to claim correctly so your NCD remains safe, including third-party claim options and the steps to follow before and after an accident.<\/p>\n","protected":false},"author":31,"featured_media":56780,"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":[429,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Accident But NCD Doesn&#039;t Drop? Here&#039;s How | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Accident But NCD Doesn&#039;t Drop? 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