{"id":57063,"date":"2025-11-29T01:28:43","date_gmt":"2025-11-28T17:28:43","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=57063"},"modified":"2025-11-29T01:28:44","modified_gmt":"2025-11-28T17:28:44","slug":"elak-kerosakan-sendiri-yang-makan-ncd","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/elak-kerosakan-sendiri-yang-makan-ncd","title":{"rendered":"Elak Kerosakan Sendiri Yang Makan NCD"},"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-69d776528be0a\" 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-69d776528be0a\"><\/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\/elak-kerosakan-sendiri-yang-makan-ncd\/#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\/elak-kerosakan-sendiri-yang-makan-ncd\/#1_Apa_Itu_NCD_dan_Kenapa_Penting\" title=\"1. Apa Itu NCD dan Kenapa Penting\">1. Apa Itu NCD dan Kenapa Penting<\/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\/elak-kerosakan-sendiri-yang-makan-ncd\/#2_Bila_Anda_Perlu_Buat_Tuntutan_Kerosakan_Sendiri\" title=\"2. Bila Anda Perlu Buat Tuntutan Kerosakan Sendiri\">2. Bila Anda Perlu Buat Tuntutan Kerosakan Sendiri<\/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\/elak-kerosakan-sendiri-yang-makan-ncd\/#3_Cara_Elak_Workshop_Push_Tuntutan_Yang_Makan_NCD\" title=\"3. Cara Elak Workshop Push Tuntutan Yang Makan NCD\">3. Cara Elak Workshop Push Tuntutan Yang Makan 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\/insurans-kereta\/elak-kerosakan-sendiri-yang-makan-ncd\/#4_Kelebihan_Memantau_NCD_Dengan_BJAK\" title=\"4. Kelebihan Memantau NCD Dengan BJAK\">4. Kelebihan Memantau NCD Dengan BJAK<\/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\/elak-kerosakan-sendiri-yang-makan-ncd\/#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><strong>Elak kerosakan sendiri yang makan NCD<\/strong> adalah langkah penting bagi mereka yang ingin mengekalkan diskaun tiada tuntutan. NCD yang tinggi boleh menjimatkan premium insurans tahunan. BJAK membolehkan pemilik kereta menilai kos repair vs manfaat tuntutan, supaya keputusan dibuat dengan bijak tanpa kehilangan NCD.<\/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_dan_Kenapa_Penting\"><\/span><strong>1. Apa Itu NCD dan Kenapa Penting<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>No Claim Discount (NCD)<\/strong> ialah diskaun insurans yang diperoleh jika tiada tuntutan dibuat sepanjang tempoh polisi.<\/p>\n\n\n\n<ul><li>NCD boleh capai sehingga 55% bagi pemandu berpengalaman<br><\/li><li>Hilang NCD bermaksud premium tahunan meningkat dengan ketara<br><\/li><li>Tuntutan kerosakan sendiri yang tidak perlu sering menjadi punca kehilangan NCD<br><\/li><\/ul>\n\n\n\n<p>BJAK membolehkan pengguna semak status NCD sebelum membuat keputusan tuntutan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Bila_Anda_Perlu_Buat_Tuntutan_Kerosakan_Sendiri\"><\/span><strong>2. Bila Anda Perlu Buat Tuntutan Kerosakan Sendiri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Kemalangan besar atau kerosakan serius yang melebihi kos repair sendiri<br><\/li><li>Kereta rosak akibat kebakaran, banjir, atau kecurian<br><\/li><li>Kerosakan yang memerlukan pembaikan panel profesional untuk keselamatan<br><\/li><\/ul>\n\n\n\n<p>Elakkan tuntutan untuk calar kecil atau kerosakan kosmetik yang boleh dibaiki sendiri kerana ia boleh mengurangkan NCD anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Cara_Elak_Workshop_Push_Tuntutan_Yang_Makan_NCD\"><\/span><strong>3. Cara Elak Workshop Push Tuntutan Yang Makan NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Beritahu mekanik atau workshop bahawa anda ingin baiki sendiri jika kos rendah<br><\/li><li>Bandingkan kos repair sendiri vs kos tuntutan kerosakan sendiri<br><\/li><li>Gunakan BJAK untuk semak polisi dan pilih syarikat insurans yang fleksibel<br><\/li><li>Simpan rekod repair untuk rujukan masa depan<\/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=\"57122\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/elak-kerosakan-sendiri-yang-makan-ncd\/attachment\/3-182-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-182.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=\"3-182\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-182.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-182.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\/3-182.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan langkah elak tuntutan kerosakan sendiri yang boleh mengurangkan NCD, termasuk bila buat tuntutan, bila baiki sendiri, dan tips pantau polisi.\n\" class=\"wp-image-57122\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-182.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-182.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-182.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-182.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-182.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=\"4_Kelebihan_Memantau_NCD_Dengan_BJAK\"><\/span><strong>4. Kelebihan Memantau NCD Dengan BJAK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Lihat nilai NCD semasa sebelum renew<br><\/li><li>Bandingkan premium setiap syarikat insurans<br><\/li><li>Buat keputusan bijak untuk tuntutan atau repair sendiri<br><\/li><li>Pastikan kerosakan sendiri tidak makan diskaun anda<br><\/li><\/ul>\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><strong>Elak kerosakan sendiri yang makan NCD<\/strong> penting untuk memastikan premium insurans kekal rendah. Dengan BJAK, pengguna boleh banding polisi, buat keputusan tuntutan yang bijak, dan pantau NCD dengan mudah supaya kos insurans tahunan tidak membebankan.<\/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=elak-kerosakan-sendiri-yang-makan-ncd\" 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-motosikal\/insurans-motosikal-101-fahami-jenis-perlindungan\">Insurans Motosikal 101: Fahami Jenis Perlindungan<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-lama-selalu-under-insured\">Kereta Lama Selalu Under-Insured<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/under-insured-selepas-ubahsuai-kenderaan-apa-kena-buat\">Under-Insured Selepas Ubahsuai Kenderaan \u2014 Apa Kena Buat?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemilik kereta tidak sedar bahawa membuat tuntutan kerosakan sendiri (Own Damage) yang tidak perlu boleh mengurangkan NCD mereka. Artikel ini terangkan cara elak NCD hilang, bila perlu buat tuntutan, dan bagaimana BJAK boleh bantu pantau polisi insurans.<\/p>\n","protected":false},"author":31,"featured_media":57121,"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":[243,3238,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Elak Kerosakan Sendiri Yang Makan NCD | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: .Elak Kerosakan Sendiri Yang Makan NCD . 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