{"id":60582,"date":"2026-07-14T15:18:57","date_gmt":"2026-07-14T07:18:57","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=60582"},"modified":"2026-07-14T16:06:05","modified_gmt":"2026-07-14T08:06:05","slug":"tempoh-gap-ncd-malaysia-berapa-lama-sebelum-hilang","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-gap-ncd-malaysia-berapa-lama-sebelum-hilang","title":{"rendered":"Tempoh Gap NCD Malaysia \u2014 Berapa Lama Sebelum Hilang"},"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-6a5625bc8ee4b\" 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-6a5625bc8ee4b\"><\/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\/tempoh-gap-ncd-malaysia-berapa-lama-sebelum-hilang\/#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\/tempoh-gap-ncd-malaysia-berapa-lama-sebelum-hilang\/#Apa_Itu_Tempoh_Gap_NCD\" title=\"Apa Itu Tempoh Gap NCD?\">Apa Itu Tempoh Gap 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\/tempoh-gap-ncd-malaysia-berapa-lama-sebelum-hilang\/#Berapa_Lama_Sebelum_NCD_Mula_Terjejas\" title=\"Berapa Lama Sebelum NCD Mula Terjejas?\">Berapa Lama Sebelum NCD Mula Terjejas?<\/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\/tempoh-gap-ncd-malaysia-berapa-lama-sebelum-hilang\/#Jadual_Penurunan_NCD_Bagi_Kenderaan_Persendirian\" title=\"Jadual Penurunan NCD (Bagi Kenderaan Persendirian)\">Jadual Penurunan NCD (Bagi Kenderaan Persendirian)<\/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\/tempoh-gap-ncd-malaysia-berapa-lama-sebelum-hilang\/#Cara_Bijak_Mengelak_Masalah_Gap_NCD\" title=\"Cara Bijak Mengelak Masalah Gap NCD\">Cara Bijak Mengelak Masalah Gap 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\/insurans-kereta\/tempoh-gap-ncd-malaysia-berapa-lama-sebelum-hilang\/#Soalan_Lazim_FAQ\" title=\"Soalan Lazim (FAQ)\">Soalan Lazim (FAQ)<\/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\/insurans-kereta\/tempoh-gap-ncd-malaysia-berapa-lama-sebelum-hilang\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span>Pengenalan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Diskaun Tiada Tuntutan (NCD) adalah ganjaran yang sangat bernilai bagi setiap pemandu di Malaysia. Walau bagaimanapun, <strong>Tempoh gap NCD Malaysia<\/strong> ialah salah satu perkara kritikal yang sering tidak difahami atau dipandang remeh oleh pemilik kenderaan. Ramai yang tidak sedar bahawa jika terdapat jurang masa yang terlalu lama antara tarikh tamat polisi insurans lama dan tarikh mula polisi baru, kadar NCD mereka berisiko untuk terjejas.<\/p>\n\n\n\n<p>Artikel ini merungkai dengan lebih terperinci mengenai peraturan tempoh gap NCD di Malaysia, kesan membiarkan insurans anda tertunggak, dan berapa lama anda boleh berehat dari memiliki polisi sebelum diskaun berharga anda mula hilang.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_Tempoh_Gap_NCD\"><\/span>Apa Itu Tempoh Gap NCD?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara ringkasnya, <strong>tempoh gap<\/strong> merujuk kepada tempoh masa di mana kenderaan anda langsung tidak dilindungi oleh sebarang polisi insurans kereta yang sah. Situasi ini kebiasaannya berlaku atas beberapa sebab utama:<\/p>\n\n\n\n<ul><li>Terlupa atau terlewat memperbaharui (renew) insurans kereta sebelum tarikh tamat tempoh (roadtax mati).<\/li><li>Proses menukar hak milik kenderaan yang mengambil masa yang lama.<\/li><li>Kenderaan tidak digunakan dalam tempoh yang panjang (contohnya, kenderaan rosak atau pemilik berada di luar negara).<\/li><li>Kelengahan semasa menukar syarikat insurans (tukar takaful\/insurans).<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapa_Lama_Sebelum_NCD_Mula_Terjejas\"><\/span>Berapa Lama Sebelum NCD Mula Terjejas?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ramai pemandu menganggap NCD mereka akan kekal selamanya selagi mereka tidak membuat tuntutan (claim) kemalangan. Hakikatnya, peraturan insurans di Malaysia menetapkan tempoh sah laku NCD jika kenderaan tidak diinsuranskan. Mengikut peraturan umum industri dan garis panduan insurans semasa:<\/p>\n\n\n\n<ul><li><strong>Tempoh Bertenang (Grace Period) 30 Hari<\/strong>: Kebanyakan syarikat insurans membenarkan tempoh gap sehingga 30 hari dari tarikh luput polisi tanpa menjejaskan kadar NCD semasa anda.<\/li><li><strong>Melebihi 30 Hari hingga 12 Bulan<\/strong>: Jika anda memperbaharui insurans selepas 30 hari tetapi dalam tempoh kurang dari setahun, NCD anda mungkin tertakluk kepada pengesahan lanjut syarikat insurans, dan dalam sesetengah kes, penalti atau penurunan kelas (drop tier) boleh berlaku bergantung kepada budi bicara pengunderaitan (underwriting).<\/li><li><strong>Melebihi 1 Tahun<\/strong>: Kadar NCD anda akan menurun satu tahap (drop one tier) bagi setiap tahun kenderaan anda tidak diinsuranskan.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Jadual_Penurunan_NCD_Bagi_Kenderaan_Persendirian\"><\/span>Jadual Penurunan NCD (Bagi Kenderaan Persendirian)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Tempoh Tanpa Tuntutan (Tahun)<\/strong><\/td><td><strong>Kadar NCD Maksimum (%)<\/strong><\/td><\/tr><tr><td><strong>Selepas Tahun Pertama<\/strong><\/td><td>25.00%<\/td><\/tr><tr><td><strong>Selepas Tahun Kedua<\/strong><\/td><td>38.33%<\/td><\/tr><tr><td><strong>Selepas Tahun Ketiga<\/strong><\/td><td>45.00%<\/td><\/tr><tr><td><strong>Selepas Tahun Keempat<\/strong><\/td><td>55.00%<\/td><\/tr><\/tbody><\/table><figcaption>*Nota: Jika NCD anda berada pada tahap 55% dan kenderaan tidak diinsuranskan melebihi 1<br>tahun, kadar tersebut akan turun ke 45%, dan berterusan turun bagi tahun-tahun berikutnya<br>sehingga mencapai 0%.<\/figcaption><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Bijak_Mengelak_Masalah_Gap_NCD\"><\/span>Cara Bijak Mengelak Masalah Gap NCD<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bagi memastikan anda sentiasa menikmati penjimatan maksimum, ikuti langkah-langkah<br>mudah ini:<\/p>\n\n\n\n<ol><li><strong>Renew Awal (Pembaharuan Awal)<\/strong>: Anda boleh memperbaharui insurans kenderaan<br>sehingga 60 hari sebelum tarikh luput polisi sedia ada. Jangan tunggu saat akhir!<\/li><li><strong>Aktifkan Peringatan (Reminders)<\/strong>: Gunakan platform automotif pintar seperti <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=tempoh-gap-ncd-malaysia-berapa-lama-sebelum-hilang\">bjak.my<\/a> untuk<br>menetapkan peringatan pembaharuan melalui SMS atau e-mel supaya anda tidak<br>terlepas tarikh penting.<\/li><li><strong>Periksa Status NCD Berkala<\/strong>: Semak kadar NCD anda secara dalam talian melalui<br>portal MyCarInfo sebelum membuat pembaharuan untuk memastikan peratusannya<br>tepat.<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Soalan_Lazim_FAQ\"><\/span>Soalan Lazim (FAQ)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Berapa lama tempoh gap yang dibenarkan sebelum NCD terjejas?<\/strong><br>Mengikut amalan biasa industri, tempoh gap sehingga 30 hari tidak menjejaskan NCD<br>anda. Namun, jika melebihi tempoh tersebut, ia tertakluk kepada pengesahan dan jika<br>dibiarkan lebih setahun, tahap NCD akan mula turun secara berperingkat.<br><\/li><li><strong>Adakah saya boleh memindahkan NCD ke kenderaan baru jika terdapat gap?<\/strong><br>Boleh, NCD anda boleh dipindahkan (transfer NCD) ke kenderaan baru atas nama<br>pemilih yang sama asalkan tempoh gap tidak membatalkan atau menurunkan peratusan<br>NCD tersebut (biasanya diselesaikan dalam tempoh kurang dari setahun).<br><\/li><li><strong>Adakah kadar NCD hilang sepenuhnya secara automatik?<\/strong><br>Tidak. Kadar NCD tidak hilang secara automatik ke 0%. Ia menurun satu tahap (contoh:<br>dari 55% turun ke 45%) bagi setiap 12 bulan polisi tidak diperbaharui.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span>Kesimpulan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Memahami peraturan tempoh gap NCD adalah pengetahuan asas yang sangat penting untuk melindungi diskaun insurans anda. Membiarkan insurans anda terputus bukan sahaja menyalahi undang-undang jalan raya, malah menyebabkan anda kerugian ratusan ringgit pada masa hadapan.<\/p>\n\n\n\n<p>Oleh itu, sentiasa rancang lebih awal di <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=tempoh-gap-ncd-malaysia-berapa-lama-sebelum-hilang\">bjak.my<\/a>, jangan biarkan jurang masa berlaku, dan pastikan kenderaan anda sentiasa dilindungi.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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=tempoh-gap-ncd-malaysia-berapa-lama-sebelum-hilang\" style=\"background-color:#ffd103\">Dapatkan Sebutharga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p><br>Baca Lagi:<br><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/perlu-ke-top-up-sum-insured-bila-ia-berbaloi\">Perlu Ke Top-Up Sum Insured? Bila Ia Berbaloi<\/a><br><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/harga-road-tax-dan-insurans-perodua-alza-di-malaysia-2026\">Harga Road Tax Alza di Malaysia (2026)<\/a><br><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/harga-road-tax-dan-insurans-proton-x70-di-malaysia-2026\">Harga Road Tax dan Insurans Proton X70 di Malaysia (2026)<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemandu tidak sedar bahawa NCD boleh terjejas jika terdapat tempoh gap<br \/>\nantara polisi. Ketahui berapa lama anda boleh &#8220;gap&#8221; sebelum NCD anda mula terjejas serta<br \/>\nlangkah untuk mengelakkannya.<\/p>\n","protected":false},"author":39,"featured_media":60588,"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":[26,243,436],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tempoh Gap NCD Malaysia \u2014 Berapa Lama Sebelum Hilang | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Tempoh Gap NCD Malaysia \u2014 Berapa Lama Sebelum Hilang Apa yang berlaku kepada tempoh gap NCD Malaysia jika anda tidak renew insurans dalam masa tertentu? 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