{"id":59229,"date":"2026-03-05T12:31:51","date_gmt":"2026-03-05T04:31:51","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59229"},"modified":"2026-03-05T12:31:52","modified_gmt":"2026-03-05T04:31:52","slug":"cara-semak-ncd-2026-di-malaysia","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-2026-di-malaysia","title":{"rendered":"Cara Semak NCD 2026 di Malaysia"},"content":{"rendered":"\n<p>Cara semak <strong>Diskaun Tiada Tuntutan (NCD)<\/strong> untuk 2026 di Malaysia mudah dilakukan. Anda boleh mengesahkan NCD melalui syarikat insurans semasa, platform insurans dalam talian seperti <strong>BJAK<\/strong>, atau dengan meminta pengesahan sebelum membaharui polisi anda. NCD menentukan jumlah diskaun yang anda terima untuk premium, dan ia dipengaruhi oleh tuntutan, kelewatan pembaharuan, atau pemindahan NCD di bawah <strong>NRIC<\/strong> dan kelas kenderaan yang sama. Sentiasa sahkan NCD sebelum pembaharuan untuk mengelakkan pembayaran lebih.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\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-69e96baba7d08\" 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-69e96baba7d08\"><\/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\/cara-semak-ncd-2026-di-malaysia\/#Senarai_Semak_Kelayakan_Sebelum_Menyemak_NCD\" title=\"Senarai Semak Kelayakan Sebelum Menyemak NCD\">Senarai Semak Kelayakan Sebelum Menyemak NCD<\/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\/cara-semak-ncd-2026-di-malaysia\/#Perkara_Yang_Terjejas_Oleh_NCD\" title=\"Perkara Yang Terjejas Oleh NCD\">Perkara Yang Terjejas Oleh 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\/insurans-kereta\/cara-semak-ncd-2026-di-malaysia\/#Cara_Menyemak_NCD_2026\" title=\"Cara Menyemak NCD 2026\">Cara Menyemak NCD 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\/insurans-kereta\/cara-semak-ncd-2026-di-malaysia\/#Strategi_Perlindungan_Berdasarkan_NCD\" title=\"Strategi Perlindungan Berdasarkan NCD\">Strategi Perlindungan Berdasarkan 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\/cara-semak-ncd-2026-di-malaysia\/#FAQ_%E2%80%94_Semak_NCD_2026\" title=\"FAQ \u2014 Semak NCD 2026\">FAQ \u2014 Semak NCD 2026<\/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\/cara-semak-ncd-2026-di-malaysia\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Senarai_Semak_Kelayakan_Sebelum_Menyemak_NCD\"><\/span><strong>Senarai Semak Kelayakan Sebelum Menyemak NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pastikan syarat berikut dipenuhi:<\/p>\n\n\n\n<ul><li>Polisi masih aktif atau baru sahaja tamat<br><\/li><li>Kenderaan didaftarkan di bawah NRIC anda<br><\/li><li>Tiada tuntutan terkini yang tidak diketahui<br><\/li><li>pemindahan NCD sedang diproses tidak diproses<br><\/li><li>Tiada perubahan pemilikan yang belum selesai<br><\/li><\/ul>\n\n\n\n<p><strong>Nota:<\/strong> Tuntutan dalam tahun polisi semasa akan menetapkan semula NCD kepada 0%. Kelewatan pembaharuan menurunkan NCD satu tahap.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perkara_Yang_Terjejas_Oleh_NCD\"><\/span><strong>Perkara Yang Terjejas Oleh NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD memberi kesan terus kepada:<\/p>\n\n\n\n<ul><li><strong>Kos premium<\/strong> \u2013 NCD tinggi bermaksud diskaun lebih besar<br><\/li><li><strong>Perbandingan harga pembaharuan<\/strong> \u2013 Setiap syarikat mengira premium asas berbeza<br><\/li><li><strong>Kelulusan pemindahan<\/strong> \u2013 Hanya boleh dipindah di bawah NRIC dan kelas kenderaan sama<br><\/li><li><strong>Kelulusan polisi<\/strong> \u2013 NCD salah boleh melambatkan penerbitan<br><\/li><li><strong>Kos selepas tuntutan<\/strong> \u2013 Tuntutan menetapkan semula NCD dan menaikkan premium tahun berikutnya<br><\/li><\/ul>\n\n\n\n<p><strong>Progresi NCD bagi kereta persendirian tanpa tuntutan setiap tahun:<\/strong><\/p>\n\n\n\n<ul><li>Pertama: 0%<\/li><li>Kedua : 25%<\/li><li>Ketiga 3: 30%<\/li><li>Keempat 4: 38.33%<\/li><li>Kelima 5 : 45%<\/li><li>Maksimum: 55%<br><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59231\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-2026-di-malaysia\/attachment\/4-204\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4.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\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Satu grafik bermaklumat bertajuk &quot;PERKARA YANG TERJEJAS OLEH NCD&quot; yang menampilkan ikon amaran berwarna kuning di tengah-tengah. Lima titik sambungan menonjolkan kesan NCD terhadap insurans kenderaan:  Kos Premium.  Perbandingan Harga Pembaharuan.  Kelulusan Pemindahan.  Kelulusan Polisi.  Kos Selepas Tuntutan.\" class=\"wp-image-59231\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/4.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=\"Cara_Menyemak_NCD_2026\"><\/span><strong>Cara Menyemak NCD 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Melalui syarikat insurans semasa<\/strong><strong><br><\/strong> Hubungi syarikat insurans dan minta peratusan NCD terkini.<br><\/li><li><strong>Semasa sebut harga dalam talian<\/strong><strong><br><\/strong> Platform seperti BJAK akan memaparkan NCD secara automatik berdasarkan rekod syarikat insurans.<br><\/li><li><strong>Melalui saluran pembaharuan rasmi<\/strong><strong><br><\/strong> Semasa memperbaharui <strong>roadtax<\/strong> melalui <strong>Jabatan Pengangkutan Jalan Malaysia<\/strong>, status insurans mesti mencerminkan NCD yang betul.<br><\/li><\/ol>\n\n\n\n<p><strong>Tip:<\/strong> Semak dua kali sebelum membuat pembayaran. Jika NCD salah, selesaikan isu terlebih dahulu.<br><br><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Strategi_Perlindungan_Berdasarkan_NCD\"><\/span><strong>Strategi Perlindungan Berdasarkan NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>NCD tinggi (45%\u201355%)<\/strong><strong><br><\/strong> Kekalkan insurans komprehensif kerana premium sudah banyak didiskaun.<br><\/li><li><strong>NCD 0% selepas tuntutan<\/strong><strong><br><\/strong> Pertimbangkan semakan premium dan jumlah excess sebelum menukar ke pihak ketiga. Kadang-kadang insurans komprehensif masih lebih selamat jangka panjang.<br><\/li><li><strong>Pemindahan NCD ke kenderaan lain<\/strong><strong><br><\/strong> Selepas dipindah, NCD kenderaan asal menjadi 0% dan kenderaan baru mengambil peratusan NCD sedia ada.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ_%E2%80%94_Semak_NCD_2026\"><\/span><strong>FAQ \u2014 Semak NCD 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Bolehkah saya semak NCD secara online?<\/strong><strong><br><\/strong> Ya, kebanyakan syarikat dan platform perbandingan memaparkan NCD semasa sebut harga.<br><\/li><li><strong>Bolehkah saya pindah NCD kepada pasangan?<\/strong><strong><br><\/strong> Tidak, NCD tidak boleh dipindah ke orang lain.<br><\/li><li><strong>Apa berlaku jika saya terlambat membaharui?<\/strong><strong><br><\/strong> NCD turun satu tahap jika ada kelewatan.<br><\/li><li><strong>Bolehkah NCD dipindah semasa polisi aktif?<\/strong><strong><br><\/strong> Tidak terus; perlu endorsement atau pembatalan polisi.<br><\/li><li><strong>Adakah tuntutan menetapkan semula NCD?<\/strong><strong><br><\/strong> Ya, sebarang tuntutan kerosakan sendiri menetapkan semula NCD kepada 0%.<br><\/li><li><strong>Bolehkah satu NCD dikongsi untuk banyak kereta?<\/strong><strong><br><\/strong> Tidak, satu NCD untuk satu kenderaan sahaja.<br><\/li><li><strong>Bagaimana saya tahu NCD salah?<\/strong><strong><br><\/strong> Jika premium terlalu tinggi, semak rekod tuntutan dan status pembaharuan dengan syarikat insurans.<br><\/li><\/ol>\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>Mengetahui cara semak NCD 2026 membantu mengelakkan pembayaran berlebihan semasa pembaharuan. Sentiasa sahkan NCD sebelum membeli insurans, terutamanya jika anda baru membuat tuntutan, memindah NCD, atau mempunyai kelewatan pembaharuan. Semakan cepat boleh menjimatkan kos premium dan elak kelewatan penerbitan polisi.<\/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=cara-semak-ncd-2026-di-malaysia\" 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\/car-insurance\/risks-of-driving-without-temporary-coverage\">Risks of Driving Without Temporary Coverage<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-effects-on-car-insurance-relief-vs-protection\">NCD Effects On Car Insurance \u2013 Relief vs Protection<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/melindungi-pemandu-dari-tuntutan-penumpang-llop-llp\">Melindungi Pemandu Dari Tuntutan Penumpang \u2013 LLOP &amp; LLP<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Menyemak NCD di Malaysia mudah melalui syarikat insurans, BJAK, atau saluran pembaharuan rasmi. NCD mempengaruhi diskaun premium, kelayakan pindahan, dan kelulusan polisi. Sentiasa sahkan NCD sebelum pembaharuan untuk elak bayaran berlebihan.<\/p>\n","protected":false},"author":31,"featured_media":59230,"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":[26,243,424,2922],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cara Semak NCD 2026 di Malaysia | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Cara Semak NCD 2026 di Malaysia. 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