{"id":59206,"date":"2026-03-04T14:31:28","date_gmt":"2026-03-04T06:31:28","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59206"},"modified":"2026-03-04T17:20:12","modified_gmt":"2026-03-04T09:20:12","slug":"method-on-checking-ncd-in-2026","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/method-on-checking-ncd-in-2026","title":{"rendered":"Method on Checking NCD in 2026"},"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-69e958d9958a9\" 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-69e958d9958a9\"><\/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\/method-on-checking-ncd-in-2026\/#Method_on_Checking_NCD_2026_in_Malaysia\" title=\"Method on Checking NCD 2026 in Malaysia\">Method on Checking NCD 2026 in Malaysia<\/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\/method-on-checking-ncd-in-2026\/#Eligibility_Checklist_Before_Checking_NCD\" title=\"Eligibility Checklist Before Checking NCD\">Eligibility Checklist Before Checking NCD<\/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\/method-on-checking-ncd-in-2026\/#What_Is_Affected_by_Your_NCD_in_2026\" title=\"What Is Affected by Your NCD in 2026?\">What Is Affected by Your NCD in 2026?<\/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\/method-on-checking-ncd-in-2026\/#How_to_Check_Your_NCD_for_2026\" title=\"How to Check Your NCD for 2026\">How to Check Your NCD for 2026<\/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\/method-on-checking-ncd-in-2026\/#Recommended_Coverage_Strategy_Based_on_NCD\" title=\"Recommended Coverage Strategy Based on NCD\">Recommended Coverage Strategy Based on 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\/method-on-checking-ncd-in-2026\/#FAQ_%E2%80%93_Checking_NCD_2026\" title=\"FAQ \u2013 Checking NCD 2026\">FAQ \u2013 Checking NCD 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/method-on-checking-ncd-in-2026\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Method_on_Checking_NCD_2026_in_Malaysia\"><\/span><strong>Method on Checking NCD 2026 in Malaysia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Checking your NCD for 2026 in Malaysia is simple. You can verify your No Claim Discount (NCD) through your current insurer, via online insurance platforms like BJAK, or by requesting confirmation before renewing your policy. Your NCD determines how much discount you receive on your premium, and it is affected by claims, renewal gaps, or NCD transfers under the same NRIC and vehicle class. Always confirm your NCD before renewing to avoid paying more than necessary.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Eligibility_Checklist_Before_Checking_NCD\"><\/span><strong>Eligibility Checklist Before Checking NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Make sure these conditions apply to you:<\/p>\n\n\n\n<ul><li>Policy is still active or recently expired<br><\/li><li>Vehicle is registered under your NRIC<br><\/li><li>Recent claim unaware of<br><\/li><li>No NCD transfer in progress<br><\/li><li>No ownership change pending<br><\/li><\/ul>\n\n\n\n<p>If you made a claim during the policy year, your NCD resets to 0%. If there is a renewal gap, your NCD drops one level.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Affected_by_Your_NCD_in_2026\"><\/span><strong>What Is Affected by Your NCD in 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your NCD directly impacts:<\/p>\n\n\n\n<ul><li><strong>Premium amount<\/strong> \u2013 Higher NCD means bigger discount<br><\/li><li><strong>Renewal price comparison<\/strong> \u2013 Different insurers calculate base premium differently<br><\/li><li><strong>Transfer eligibility<\/strong> \u2013 Only transferable under same NRIC and vehicle class<br><\/li><li><strong>Policy approval<\/strong> \u2013 Incorrect NCD declaration may delay issuance<br><\/li><li><strong>Cost after claim<\/strong> \u2013 Claiming resets NCD and increases next year\u2019s premium<br><\/li><\/ul>\n\n\n\n<p>For private cars in Malaysia, NCD typically progresses like this if no claims are made:<\/p>\n\n\n\n<ul><li>1st Year : 0%<\/li><li>2nd Year : 25%<\/li><li>3rd Year : 30%<\/li><li>4th Year : 38.33%<\/li><li>5th Year and above: 45%<\/li><li>Maximum NCD : 55%<br><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59209\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/method-on-checking-ncd-in-2026\/attachment\/for-blog-432026-1\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-1.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=\"FOR-BLOG-432026-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-1.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-1.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-1.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Gemini said\nHere is the alt text for your final image:\n\nAlt Text:\nAn informative infographic titled &quot;WHAT AFFECTS YOUR NCD (NO CLAIM DISCOUNT)&quot; featuring a central yellow triangular warning sign with a black exclamation mark. Surrounding the central triangle are five circular gold-metallic medallions, each containing an icon and a text label for a key factor: Cost After Claim (car accident icon), Premium Amount (money bag icon), Renewal Price Comparison (price tag icon), Transfer Eligibility (car and handshake icon), and Policy Approval (clipboard and key icon). The design is clean and modern against a light grey gradient background.\" class=\"wp-image-59209\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-1.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-1.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-1.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-1.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-1.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=\"How_to_Check_Your_NCD_for_2026\"><\/span><strong>How to Check Your NCD for 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can check using these methods:<\/p>\n\n\n\n<ol><li><strong>Through your current insurer<br><\/strong> Contact your insurer directly and request your latest NCD percentage.<br><\/li><li><strong>During online quotation<br><\/strong>When you request a quote with BJAK, your NCD is automatically reflected based on insurer records.<br><\/li><li><strong>Via official renewal channels<br><\/strong> When preparing to renew roadtax through Jabatan Pengangkutan Jalan Malaysia, your insurance status must already reflect the correct NCD.<br><\/li><\/ol>\n\n\n\n<p>Always double-check before making payment. If your NCD looks incorrect, resolve it first.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Recommended_Coverage_Strategy_Based_on_NCD\"><\/span><strong>Recommended Coverage Strategy Based on NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you have <strong>high NCD (45%\u201355%)<\/strong><strong><br><\/strong> It usually makes sense to maintain comprehensive coverage. Your premium is already heavily discounted.<\/p>\n\n\n\n<p>If you have <strong>0% NCD after a claim<\/strong><strong><br><\/strong> Consider reviewing excess amounts and premium difference before downgrading to third party. Sometimes maintaining comprehensive still offers better long-term protection.<\/p>\n\n\n\n<p>If you are transferring NCD to another vehicle:<br>Remember, once transferred, the original vehicle\u2019s NCD becomes 0%, and the new vehicle replaces its existing NCD percentage.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ_%E2%80%93_Checking_NCD_2026\"><\/span><strong>FAQ \u2013 Checking NCD 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. Can I check my NCD online?<\/strong><strong><br><\/strong> Yes. Most insurers and insurance comparison platforms allow you to see your NCD during quotation.<\/p>\n\n\n\n<p><strong>2. Can I transfer my NCD to my spouse?<\/strong><strong><br><\/strong> No. NCD cannot be transferred to another person.<\/p>\n\n\n\n<p><strong>3. What happens if I renew late?<\/strong><strong><br><\/strong> If there is a renewal gap, your NCD drops one level.<\/p>\n\n\n\n<p><strong>4. Can I transfer NCD while the policy is active?<\/strong><strong><br><\/strong> Not directly. You need either a withdrawal endorsement (with top-up payment) or policy cancellation.<\/p>\n\n\n\n<p><strong>5. Does making a claim always reset NCD?<\/strong><strong><br><\/strong> Yes. Any own-damage claim will reset your NCD to 0%.<\/p>\n\n\n\n<p><strong>6. Is NCD shared between multiple cars?<\/strong><strong><br><\/strong> No. One NCD applies to one vehicle at a time.<\/p>\n\n\n\n<p><strong>7. How do I know if my NCD is wrong?<\/strong><strong><br><\/strong> If your premium looks significantly higher than expected, verify your claims history and renewal status with your insurer.<\/p>\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>Knowing the correct method on checking NCD 2026 helps you avoid overpaying during renewal. Always confirm your NCD status before purchasing insurance, especially if you recently made a claim, transferred NCD, or had a renewal gap. A quick check can save you a significant amount on your premium and prevent delays in policy issuance.<\/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=method-on-checking-ncd-in-2026\" 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\/car-insurance-renewal-how-to\">Car Insurance Renewal \u2014 How To&nbsp;<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/renewal-process-for-deceased-vehicle-owners-in-malaysia\">Renewal Process For Deceased Vehicle Owners In Malaysia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-in-workshop-for-extended-period-cart-calculation\">Car In Workshop For Extended Period \u2013 CART Calculation<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Checking your No Claim Discount (NCD) for 2026 in Malaysia is straightforward and can be done through your insurer, online quotation platforms, or during renewal. Your NCD directly affects how much discount you receive on your insurance premium and may change due to claims, renewal gaps, or transfers under the same NRIC and vehicle class. Before renewing, always confirm that your policy status, ownership details, and claim history are accurate to avoid paying more than necessary.<\/p>\n","protected":false},"author":31,"featured_media":59197,"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":[429,59,424,2922],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Method on Checking NCD in 2026 | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Method on Checking NCD in 2026 Check your 2026 Malaysia NCD easily to maximize insurance discounts.\" \/>\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\/method-on-checking-ncd-in-2026\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Method on Checking NCD in 2026 | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Method on Checking NCD in 2026 Check your 2026 Malaysia NCD easily to maximize insurance discounts.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/method-on-checking-ncd-in-2026\" \/>\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=\"2026-03-04T06:31:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-04T09:20:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/2.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=\"3 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! 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