{"id":57091,"date":"2025-11-29T01:36:56","date_gmt":"2025-11-28T17:36:56","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=57091"},"modified":"2025-11-29T01:36:58","modified_gmt":"2025-11-28T17:36:58","slug":"avoid-own-damage-that-eats-your-ncd","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/avoid-own-damage-that-eats-your-ncd","title":{"rendered":"Avoid Own Damage That Eats Your 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-69d7761d14401\" 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-69d7761d14401\"><\/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\/avoid-own-damage-that-eats-your-ncd\/#Introduction\" title=\"Introduction\">Introduction<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/avoid-own-damage-that-eats-your-ncd\/#1_What_Is_NCD_and_Why_It_Matters\" title=\"1. What Is NCD and Why It Matters\">1. What Is NCD and Why It Matters<\/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\/car-insurance\/avoid-own-damage-that-eats-your-ncd\/#2_When_You_Should_Make_an_Own_Damage_Claim\" title=\"2. When You Should Make an Own Damage Claim\">2. When You Should Make an Own Damage Claim<\/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\/car-insurance\/avoid-own-damage-that-eats-your-ncd\/#3_How_to_Prevent_Workshops_From_Pushing_Claims_That_Eat_Your_NCD\" title=\"3. How to Prevent Workshops From Pushing Claims That Eat Your NCD\">3. How to Prevent Workshops From Pushing Claims That Eat Your 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\/car-insurance\/avoid-own-damage-that-eats-your-ncd\/#4_Benefits_of_Monitoring_NCD_With_BJAK\" title=\"4. Benefits of Monitoring NCD With BJAK\">4. Benefits of Monitoring NCD With BJAK<\/a><\/li><\/ul><\/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\/avoid-own-damage-that-eats-your-ncd\/#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><strong><br>Avoid Own Damage That<\/strong> could unnecessarily eat into your NCD, because keeping your no-claim discount intact can save you a significant amount on annual insurance premiums. <strong>In many situations<\/strong>, small repairs cost less than the NCD you would lose if you filed a claim. <strong>With that in mind<\/strong>, BJAK helps car owners compare repair costs against the potential impact on their NCD, making it easier to make informed, cost-saving decisions without risking your discount.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_What_Is_NCD_and_Why_It_Matters\"><\/span><strong>1. What Is NCD and Why It Matters<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The No Claim Discount (NCD) is a discount you earn when no claims are made during the policy period:<\/p>\n\n\n\n<ul><li>Experienced drivers can reach up to 55% NCD<br><\/li><li>Losing NCD means higher annual premiums<br><\/li><li>Unnecessary own damage claims are a common cause of NCD loss<br><\/li><\/ul>\n\n\n\n<p>BJAK lets users check their NCD status before making claim decisions.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_When_You_Should_Make_an_Own_Damage_Claim\"><\/span><strong>2. When You Should Make an Own Damage Claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Major accidents or damage exceeding repair costs<br><\/li><li>Vehicle damage caused by fire, flood, or theft<br><\/li><li>Repairs that require professional panel work for safety<br><\/li><\/ul>\n\n\n\n<p>Avoid claiming for minor scratches or cosmetic damage that can be repaired yourself, as this could reduce your NCD.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_How_to_Prevent_Workshops_From_Pushing_Claims_That_Eat_Your_NCD\"><\/span><strong>3. How to Prevent Workshops From Pushing Claims That Eat Your NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Inform your mechanic or workshop you prefer self-repair if costs are low<br><\/li><li>Compare self-repair costs vs own damage claim costs<br><\/li><li>Use BJAK to check policies and choose insurers that offer flexibility<br><\/li><li>Keep repair records for future reference<\/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=\"57155\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/avoid-own-damage-that-eats-your-ncd\/attachment\/4-186-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-186.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=\"4-186\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-186.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-186.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\/4-186.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing steps to avoid own damage claims that reduce NCD, including when to claim, when to repair yourself, and tips for monitoring policies.\n\" class=\"wp-image-57155\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-186.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-186.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-186.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-186.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-186.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=\"4_Benefits_of_Monitoring_NCD_With_BJAK\"><\/span><strong>4. Benefits of Monitoring NCD With BJAK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Check your current NCD before renewal<br><\/li><li>Compare premiums across insurers<br><\/li><li>Make informed decisions about whether to claim or repair yourself<br><\/li><li>Ensure self-damage does not affect your discount<br><\/li><li><\/li><\/ul>\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><strong><br><\/strong> Avoiding own damage claims that eat into your NCD is essential for keeping insurance premiums low. With BJAK, users can compare policies, make informed claim decisions, and monitor their NCD easily, ensuring that annual insurance costs remain manageable.<\/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=avoid-own-damage-that-eats-your-ncd\" 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\/malaysian-car-insurance-extension-101-guide\">Malaysian Car Insurance \u2013 Extension 101 Guide<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorbike-3rd-party-insurance-what-you-must-know\">Motorbike 3rd Party Insurance: What You Must Know<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorbike-insurance-101-understanding-1st-party-vs-3rd-party-coverage\">Motorbike Insurance 101: Understanding 1st Party vs 3rd Party Coverage<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Many car owners don\u2019t realize that making unnecessary own damage (OD) claims can reduce their No Claim Discount (NCD). This article explains how to protect your NCD, when claims are necessary, and how BJAK can help you monitor your insurance policies.<\/p>\n","protected":false},"author":31,"featured_media":57154,"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":[429,2722,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Avoid Own Damage That Eats Your NCD | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Avoid Own Damage That Eats Your NCD . 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