{"id":60867,"date":"2026-08-06T20:41:12","date_gmt":"2026-08-06T12:41:12","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=60867"},"modified":"2026-08-06T20:41:15","modified_gmt":"2026-08-06T12:41:15","slug":"tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas","title":{"rendered":"Tuntutan Knock-for-Knock Malaysia NCD: Adakah Ia Terjejas?"},"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-6a74a53f89bc2\" 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-6a74a53f89bc2\"><\/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\/tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\/#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\/tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\/#Apa_Maksud_Tuntutan_Knock-for-Knock_Malaysia_NCD\" title=\"Apa Maksud Tuntutan Knock-for-Knock Malaysia NCD\">Apa Maksud Tuntutan Knock-for-Knock Malaysia 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\/tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\/#Cara_Ia_Mempengaruhi_Liabiliti\" title=\"Cara Ia Mempengaruhi Liabiliti\">Cara Ia Mempengaruhi Liabiliti<\/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\/tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\/#Adakah_Tuntutan_Knock-for-Knock_Malaysia_NCD_Menjejaskan_NCD_Anda\" title=\"Adakah Tuntutan Knock-for-Knock Malaysia NCD Menjejaskan NCD Anda?\">Adakah Tuntutan Knock-for-Knock Malaysia NCD Menjejaskan NCD Anda?<\/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\/tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\/#Cara_Melindungi_NCD_Anda\" title=\"Cara Melindungi NCD Anda\">Cara Melindungi NCD Anda<\/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\/tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\/#Ringkasan_Tuntutan_Knock-for-Knock_Malaysia_NCD_Diskaun_Anda\" title=\"Ringkasan: Tuntutan Knock-for-Knock Malaysia NCD &amp; Diskaun Anda\">Ringkasan: Tuntutan Knock-for-Knock Malaysia NCD &amp; Diskaun Anda<\/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\/tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\/#Soalan_Lazim_FAQ_Tuntutan_Knock-for-Knock_Malaysia_NCD\" title=\"Soalan Lazim (FAQ) Tuntutan Knock-for-Knock Malaysia NCD\">Soalan Lazim (FAQ) Tuntutan Knock-for-Knock Malaysia NCD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\/#Panduan_Bjak_Berkaitan\" title=\"Panduan Bjak Berkaitan\">Panduan Bjak Berkaitan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\/#Bagaimana_Bjak_Membantu_Anda\" title=\"Bagaimana Bjak Membantu Anda\">Bagaimana Bjak Membantu Anda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Isu mengenai <strong>tuntutan knock-for-knock malaysia ncd<\/strong> sering mengelirukan ramai pemandu kenderaan di negara kita. Secara khususnya, ramai yang tidak pasti sama ada jenis tuntutan sebegini akan melenyapkan <em>No Claim Discount<\/em> (NCD) mereka yang amat berharga. Sebenarnya, susunan <em>knock-for-knock<\/em> hanyalah satu bentuk perjanjian kelancaran antara penanggung insurans, dan bukannya keputusan mutlak tentang siapa yang bersalah.<\/p>\n\n\n\n<p>Oleh itu, panduan komprehensif ini akan menerangkan secara teliti cara sistem ini berfungsi dan maksud asalnya untuk liabiliti perundangan anda. Pada akhir artikel, anda akan memahami kesan sebenar proses ini terhadap peratusan NCD anda sebelum membuat sebarang pembaharuan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Maksud_Tuntutan_Knock-for-Knock_Malaysia_NCD\"><\/span><strong>Apa Maksud Tuntutan Knock-for-Knock Malaysia NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara asasnya, <em>knock-for-knock<\/em> ialah satu bentuk perjanjian rasmi antara syarikat-syarikat penanggung insurans. Melalui perjanjian ini, setiap syarikat akan membayar kos kerosakan kenderaan pemegang polisinya sendiri secara langsung, tanpa perlu mengira siapa yang bersalah.<\/p>\n\n\n\n<p>Pendekatan ini diguna pakai semata-mata untuk mempercepatkan kelulusan dan proses penyelesaian. Ia merupakan satu susunan pentadbiran dalaman antara syarikat, dan bukannya penemuan kesalahan dari segi undang-undang. Matlamatnya amat jelas, iaitu untuk menyelesaikan kes kemalangan dua kereta yang jelas dengan cepat tanpa melibatkan pertikaian panjang.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Ia_Mempengaruhi_Liabiliti\"><\/span><strong>Cara Ia Mempengaruhi Liabiliti<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Di bawah sistem <em>knock-for-knock<\/em>, penanggung insurans anda akan menyelesaikan kos baik pulih kerosakan anda, manakala penanggung insurans pihak lawan akan menyelesaikan kerosakan kenderaan mereka.<\/p>\n\n\n\n<p>Sungguhpun begitu, proses perubatan ini sama sekali tidak memutuskan kesalahan mana-mana pihak dari segi undang-undang jalan raya. Ia hanyalah satu prosedur penuntutan yang direka untuk menjadi lebih efisien. Sekiranya liabiliti dan punca sebenar kemalangan benar-benar dipertikaikan, perkara tersebut masih bebas dikejar secara berasingan melalui laporan polis.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_Tuntutan_Knock-for-Knock_Malaysia_NCD_Menjejaskan_NCD_Anda\"><\/span><strong>Adakah Tuntutan Knock-for-Knock Malaysia NCD Menjejaskan NCD Anda?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ini merupakan persoalan utama yang sentiasa merisaukan setiap pemandu. Ringkasnya, jika anda memfailkan tuntutan kerosakan sendiri (<em>Own Damage<\/em>) bagi kemalangan yang berpunca daripada kesalahan anda, NCD anda pasti akan terjejas terus kepada 0%. Dalam konteks tuntutan knock-for-knock Malaysia NCD, cara tuntutan diklasifikasikan akan menentukan sama ada diskaun anda hilang atau kekal.<\/p>\n\n\n\n<p>Walau bagaimanapun, jika anda disahkan tidak bersalah dalam kemalangan tersebut, anda boleh memfailkan tuntutan <em>No-Fault Own Damage<\/em> (OD-KFK) di bawah polisi anda sendiri. Tindakan pantas ini membolehkan anda membaiki kenderaan dengan segera, sementara NCD anda kekal 100% terselamat. Oleh itu, sentiasa sahkan dengan ejen insurans anda mengenai klasifikasi sesuatu tuntutan itu sebelum meneruskan proses.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Melindungi_NCD_Anda\"><\/span><strong>Cara Melindungi NCD Anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk menjamin diskaun anda dilindungi, anda mestilah mengumpul bukti kukuh (seperti rakaman <em>dashcam<\/em>) bahawa anda tidak bersalah dan pemandu lain yang jelas bertanggungjawab. Dengan menggunakan manfaat OD-KFK, anda boleh melindungi NCD anda dengan lebih berkesan berbanding membuat tuntutan kerosakan sendiri yang biasa.<\/p>\n\n\n\n<p>Tambahan pula, pembelian <em>add-on<\/em> Pelindung NCD juga boleh bertindak sebagai perisai ampuh untuk mengekalkan diskaun anda. Timbanglah setiap pilihan anda dengan waras sebelum memfailkan sebarang borang tuntutan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Ringkasan_Tuntutan_Knock-for-Knock_Malaysia_NCD_Diskaun_Anda\"><\/span>Ringkasan: Tuntutan Knock-for-Knock Malaysia NCD &amp; Diskaun Anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Senario Kejadian<\/strong><\/td><td><strong>Cara Tuntutan Berfungsi<\/strong><\/td><td><strong>Kesan Kepada NCD Anda<\/strong><\/td><\/tr><tr><td><strong>Pihak yang tidak bersalah<\/strong><\/td><td>Tuntut perlindungan OD-KFK dari syarikat insurans sendiri<\/td><td>NCD kekal dilindungi (jika terbukti tidak bersalah)<\/td><\/tr><tr><td><strong>Pihak yang bersalah<\/strong><\/td><td>Tuntutan Kerosakan Sendiri (<em>Own Damage<\/em>) sepenuhnya<\/td><td>NCD anda akan diset semula ke paras 0%<\/td><\/tr><tr><td><strong>Liabiliti dikongsi<\/strong><\/td><td>Kedua-dua pihak didapati melakukan kesalahan<\/td><td>NCD kedua-dua pemandu kebiasaannya akan terjejas<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Soalan_Lazim_FAQ_Tuntutan_Knock-for-Knock_Malaysia_NCD\"><\/span><strong>Soalan Lazim (FAQ) Tuntutan Knock-for-Knock Malaysia NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Bagaimana ini menjejaskan pembaharuan insurans kereta saya?<\/strong><\/li><li>Ia secara langsung akan membentuk kualiti perlindungan masa hadapan dan kos premium semasa <em>renew<\/em>. Menyemak struktur <strong>tuntutan knock-for-knock malaysia ncd<\/strong> setiap tahun membantu anda mengelak daripada terlebih bayar. Semakan ringkas di <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a> menjadikan penilaian polisi anda sangat telus.<\/li><li><strong>Adakah ia menjejaskan NCD saya secara automatik?<\/strong><\/li><li><em>No Claim Discount<\/em> anda diperoleh melalui rekod tahunan tanpa tuntutan bersalah. Ia tidak akan hilang dalam sekelip mata jika polisi luput atau jika anda memfailkan OD-KFK. Ia hanya diset semula kepada 0% apabila anda membuat tuntutan akibat kecuaian pemanduan anda sendiri.<\/li><li><strong>Di mana saya boleh uruskan perbandingan perlindungan ini dengan cepat?<\/strong><\/li><li>Di <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a>, anda boleh membandingkan sebut harga daripada lebih 10 syarikat insurans terbaik negara. Anda boleh menetapkan <em>sum insured<\/em> yang betul dan <em>renew<\/em> dalam talian sepenuhnya dalam beberapa minit sahaja.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Panduan_Bjak_Berkaitan\"><\/span><strong>Panduan Bjak Berkaitan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk menimba konteks perundangan tambahan, sila baca panduan tentang<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-2026-di-malaysia\" target=\"_blank\" rel=\"noreferrer noopener\"> cara semak NCD 2026<\/a> di Malaysia. Ketahui juga prosedur sebenar melalui<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-reset-pemindahan-pertikaian-dalam-insurans-kereta\" target=\"_blank\" rel=\"noreferrer noopener\"> peraturan reset, pemindahan dan pertikaian NCD<\/a>, serta fahami secara jelas mengenai<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/ncd-selepas-buat-claim-apa-berlaku-pada-diskaun-anda\" target=\"_blank\" rel=\"noreferrer noopener\"> apa berlaku pada NCD selepas buat claim<\/a>. Kesemua panduan rujukan ini dirangka khas bagi membantu anda merancang polisi tanpa sebarang penyesalan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_Bjak_Membantu_Anda\"><\/span><strong>Bagaimana Bjak Membantu Anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Platform teknologi Bjak menjadikan segala kekusutan insurans ini jauh lebih mudah dan telus. Di <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a>, anda boleh membandingkan senarai sebut harga daripada lebih 10 syarikat insurans terkemuka secara bersebelahan di satu tempat. Berikutan kemudahan ini, anda dapat melihat perbezaan harga dan perlindungan terbaik secara terus tanpa perlu menghubungi mana-mana ejen fizikal.<\/p>\n\n\n\n<p>Segalanya dilakukan 100% dalam talian, memberikan anda kebebasan menguruskan insurans tanpa sebarang kerja kertas yang melecehkan. Bjak turut menghantar peringatan <em>renew<\/em> insurans dan <em>road tax<\/em> secara percuma melalui e-mel, SMS, dan notifikasi aplikasi. Sama ada anda <em>renew<\/em> buat kali pertama atau menukar penanggung insurans, Bjak melengkapi anda dengan alat digital yang diyakini.<\/p>\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>Kesimpulannya, sistem <em>knock-for-knock<\/em> ternyata berkesan mempercepatkan proses kelulusan tuntutan. Walau bagaimanapun, ia tidak secara automatik melindungi NCD anda. Cara anda memfailkan borang tuntutan\u2014berserta ketetapan bukti siapa yang bersalah\u2014merupakan faktor yang menentukan kesannya terhadap diskaun anda.<\/p>\n\n\n\n<p>Sebelum melangkah ke sesi pembaharuan anda yang seterusnya, bandingkan sebut harga dan <em>renew<\/em> dalam beberapa minit di <strong><a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a><\/strong>. Ia merupakan solusi moden paling mudah untuk kekal dilindungi, mematuhi undang-undang, dan meraih tawaran harga yang terbaik!<\/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=tuntutan-knock-for-knock-malaysia-ncd-adakah-ia-terjejas\" style=\"background-color:#ffd103\">Dapatkan Sebutharga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p><br>Baca Juga:<br><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/liabiliti-undang-undang-kepada-penumpang-lltp\">Liabiliti Undang-Undang Kepada Penumpang (LLTP)<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-check-jpj-summons-online-in-malaysia-quick-guide-2026\">How to Check JPJ Summons Online in Malaysia: Quick Guide 2026<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/compare-car-insurance-quotes-in-malaysia-a-complete-guide\">Compare Car Insurance Quotes in Malaysia \u2014 A Complete Guide<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tuntutan knock-for-knock di Malaysia sering mengelirukan ramai pemandu, terutamanya mengenai isu sama ada ia menjejaskan No Claim Discount (NCD). Inilah perkara penting yang anda perlu tahu sebelum renew.<\/p>\n","protected":false},"author":39,"featured_media":60868,"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>Tuntutan Knock-for-Knock Malaysia NCD: Adakah Ia Terjejas? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Tuntutan Knock-for-Knock Malaysia NCD: Adakah Ia Terjejas? Ketahui tentang tuntutan knock-for-knock Malaysia NCD di Malaysia. 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