{"id":58956,"date":"2025-12-24T23:21:39","date_gmt":"2025-12-24T15:21:39","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=58956"},"modified":"2025-12-24T23:21:41","modified_gmt":"2025-12-24T15:21:41","slug":"ncd-effects-on-car-insurance-relief-vs-protection","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection","title":{"rendered":"NCD Effects On Car Insurance \u2013 Relief vs Protection"},"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-6a09bad2b3c14\" 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-6a09bad2b3c14\"><\/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\/ncd-effects-on-car-insurance-relief-vs-protection\/#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\/ncd-effects-on-car-insurance-relief-vs-protection\/#How_NCD_Can_Be_Protected\" title=\"How NCD Can Be Protected\">How NCD Can Be Protected<\/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\/ncd-effects-on-car-insurance-relief-vs-protection\/#Tips_for_Drivers\" title=\"Tips for Drivers\">Tips for Drivers<\/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\/ncd-effects-on-car-insurance-relief-vs-protection\/#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>Understanding the <strong>NCD Effects On Car Insurance<\/strong> is crucial for drivers who want to save on premiums. No-Claim Discount (NCD) is a key factor in determining your car insurance cost in Malaysia. Drivers often hear terms like NCD Relief or \u201cNCD Protection,\u201d but it\u2019s important to understand what they really mean.<\/p>\n\n\n\n<p><strong>NCD Relief<\/strong> is an official feature that prevents your NCD from dropping after certain claims.<\/p>\n\n\n\n<p>Other methods to \u201cprotect\u201d your NCD \u2014 like windscreen coverage or minor claim policies \u2014 may also prevent a reduction, but these are limited and conditional.<\/p>\n\n\n\n<p>Knowing the <strong>NCD Effects On Car Insurance<\/strong> helps you make informed decisions and avoid unexpected premium increases.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_NCD_Can_Be_Protected\"><\/span><strong>How NCD Can Be Protected<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-vivid-cyan-blue-to-vivid-purple-gradient-background has-background\"><tbody><tr><td><strong>Method<\/strong><\/td><td><strong>How It Works<\/strong><\/td><td><strong>Limitations<\/strong><\/td><td><strong>Notes<\/strong><\/td><\/tr><tr><td><strong>NCD Relief<\/strong><\/td><td>Keeps your NCD intact after a minor claim<\/td><td>Usually one-time or small claims only<\/td><td>Offered by certain insurers<\/td><\/tr><tr><td><strong>Minor Claim Add-Ons<\/strong><\/td><td>Specific coverage (e.g., windscreen\/glass) protects NCD<\/td><td>Only applies to covered items<\/td><td>Limited to what the policy covers<\/td><\/tr><tr><td><strong>Other Protective Features<\/strong><\/td><td>Some policies allow small claims without NCD drop<\/td><td>Not universal; check policy terms<\/td><td>May increase premium slightly<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Note: In Malaysia, there is <strong>no universal \u201cNCD Protection\u201d product<\/strong>. These methods are ways to preserve your NCD in limited scenarios.<\/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=\"59013\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection\/attachment\/4-156-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-156.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" 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=\"4-156\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-156.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-156.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\/12\/4-156.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing official NCD Relief vs other limited methods to preserve NCD and their limitations.\n\" class=\"wp-image-59013\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-156.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-156.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-156.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-156.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-156.jpg?w=1708&amp;ssl=1 1708w\" 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=\"Tips_for_Drivers\"><\/span><strong>Tips for Drivers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li>Always check if your insurer offers <strong>NCD Relief<\/strong>.<br><\/li><li>Understand your policy \u2014 minor claim coverage can sometimes protect NCD.<br><\/li><li>Avoid unnecessary claims that could reduce your discount.<br><\/li><li>Compare premiums with and without NCD add-ons to see if it\u2019s cost-effective.<br><\/li><\/ol>\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>In Malaysia, understanding the <strong>NCD Effects On Car Insurance<\/strong> is essential. <strong>NCD Relief<\/strong> is the primary official method to preserve your discount, while other methods like minor claim add-ons offer limited protection. By knowing the differences, drivers can maintain their NCD, save on premiums, and make informed insurance decisions.<\/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=ncd-effects-on-car-insurance--relief-vs-protection\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/high-or-low-voluntary-excess-which-is-more-worthwhile\">High or Low Voluntary Excess \u2013 Which Is More Worthwhile?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/personal-accident-4-all-pa4all-what-it-is-who-should-take-it\">Personal Accident 4 All (PA4All) \u2013 What It Is &amp; Who Should Take It<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/wrong-chassis-number-or-engine-cc-effects-on-renewal\">Wrong Chassis Number or Engine CC \u2013 Effects On Renewal<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Understanding how NCD affects car insurance can help drivers save money. Learn the difference between NCD Relief and other ways to \u201cprotect\u201d your NCD, and their limitations in Malaysia.<\/p>\n","protected":false},"author":31,"featured_media":59001,"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":[429,3173,2831],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NCD Effects On Car Insurance \u2013 Relief vs Protection | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: NCD Effects On Car Insurance \u2013 Relief vs Protection . Know The Difference to Safeguard your 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\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NCD Effects On Car Insurance \u2013 Relief vs Protection | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: NCD Effects On Car Insurance \u2013 Relief vs Protection . Know The Difference to Safeguard your NCD.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection\" \/>\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=\"2025-12-24T15:21:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-24T15:21:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/NCD-Effects-On-Car-Insurance-\u2013-Relief-vs-Protection.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=\"BJAK Content Team\" \/>\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\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#primaryimage\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/NCD-Effects-On-Car-Insurance-\u2013-Relief-vs-Protection.jpg?fit=1600%2C1012&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/NCD-Effects-On-Car-Insurance-\u2013-Relief-vs-Protection.jpg?fit=1600%2C1012&ssl=1\",\"width\":1600,\"height\":1012,\"caption\":\"NCD Effects On Car Insurance \u2013 Relief vs Protection\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection\",\"name\":\"NCD Effects On Car Insurance \u2013 Relief vs Protection | BJAK\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#primaryimage\"},\"datePublished\":\"2025-12-24T15:21:39+00:00\",\"dateModified\":\"2025-12-24T15:21:41+00:00\",\"description\":\"BJAK | Car Insurance | Read about: NCD Effects On Car Insurance \u2013 Relief vs Protection . Know The Difference to Safeguard your NCD.\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"NCD Effects On Car Insurance \u2013 Relief vs Protection\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\"},\"headline\":\"NCD Effects On Car Insurance \u2013 Relief vs Protection\",\"datePublished\":\"2025-12-24T15:21:39+00:00\",\"dateModified\":\"2025-12-24T15:21:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#webpage\"},\"wordCount\":324,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/NCD-Effects-On-Car-Insurance-\u2013-Relief-vs-Protection.jpg?fit=1600%2C1012&ssl=1\",\"keywords\":[\"Car insurance\",\"NCD relief\",\"protection\"],\"articleSection\":[\"Car Insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\",\"name\":\"BJAK Content Team\",\"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\":\"BJAK Content Team\"},\"description\":\"BJAK Content Team creates engaging and informative content for BJAK, Southeast Asia's largest online insurance platform. They specialize in making insurance and financial services more accessible to Malaysians through clear, user-focused articles that help readers make confident decisions about their coverage options\",\"url\":\"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"NCD Effects On Car Insurance \u2013 Relief vs Protection | BJAK","description":"BJAK | Car Insurance | Read about: NCD Effects On Car Insurance \u2013 Relief vs Protection . Know The Difference to Safeguard your 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\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection","og_locale":"en_US","og_type":"article","og_title":"NCD Effects On Car Insurance \u2013 Relief vs Protection | BJAK","og_description":"BJAK | Car Insurance | Read about: NCD Effects On Car Insurance \u2013 Relief vs Protection . Know The Difference to Safeguard your NCD.","og_url":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2025-12-24T15:21:39+00:00","article_modified_time":"2025-12-24T15:21:41+00:00","og_image":[{"width":1600,"height":1012,"url":"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/NCD-Effects-On-Car-Insurance-\u2013-Relief-vs-Protection.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"BJAK Content Team","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\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#primaryimage","url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/NCD-Effects-On-Car-Insurance-\u2013-Relief-vs-Protection.jpg?fit=1600%2C1012&ssl=1","contentUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/NCD-Effects-On-Car-Insurance-\u2013-Relief-vs-Protection.jpg?fit=1600%2C1012&ssl=1","width":1600,"height":1012,"caption":"NCD Effects On Car Insurance \u2013 Relief vs Protection"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#webpage","url":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection","name":"NCD Effects On Car Insurance \u2013 Relief vs Protection | BJAK","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#primaryimage"},"datePublished":"2025-12-24T15:21:39+00:00","dateModified":"2025-12-24T15:21:41+00:00","description":"BJAK | Car Insurance | Read about: NCD Effects On Car Insurance \u2013 Relief vs Protection . Know The Difference to Safeguard your NCD.","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"NCD Effects On Car Insurance \u2013 Relief vs Protection"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8"},"headline":"NCD Effects On Car Insurance \u2013 Relief vs Protection","datePublished":"2025-12-24T15:21:39+00:00","dateModified":"2025-12-24T15:21:41+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#webpage"},"wordCount":324,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection#primaryimage"},"thumbnailUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/NCD-Effects-On-Car-Insurance-\u2013-Relief-vs-Protection.jpg?fit=1600%2C1012&ssl=1","keywords":["Car insurance","NCD relief","protection"],"articleSection":["Car Insurance"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8","name":"BJAK Content Team","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":"BJAK Content Team"},"description":"BJAK Content Team creates engaging and informative content for BJAK, Southeast Asia's largest online insurance platform. They specialize in making insurance and financial services more accessible to Malaysians through clear, user-focused articles that help readers make confident decisions about their coverage options","url":"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my"}]}},"jetpack_featured_media_url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/NCD-Effects-On-Car-Insurance-\u2013-Relief-vs-Protection.jpg?fit=1600%2C1012&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/58956"}],"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=58956"}],"version-history":[{"count":3,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/58956\/revisions"}],"predecessor-version":[{"id":59015,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/58956\/revisions\/59015"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/59001"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=58956"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=58956"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=58956"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}