{"id":60969,"date":"2026-08-15T20:38:40","date_gmt":"2026-08-15T12:38:40","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=60969"},"modified":"2026-08-15T20:39:56","modified_gmt":"2026-08-15T12:39:56","slug":"ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-motosikal\/ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya","title":{"rendered":"NCD Untuk Motosikal \u2014 Ya, Ia Wujud dan Begini Caranya"},"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-6a80a2db8eaab\" 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-6a80a2db8eaab\"><\/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-motosikal\/ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\/#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-motosikal\/ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\/#Ya_Motosikal_Memperoleh_NCD\" title=\"Ya, Motosikal Memperoleh NCD\">Ya, Motosikal Memperoleh 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-motosikal\/ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\/#Cara_Skala_Diskaun_Berfungsi\" title=\"Cara Skala Diskaun Berfungsi\">Cara Skala Diskaun Berfungsi<\/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-motosikal\/ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\/#Apa_Berlaku_Jika_Anda_Menuntut\" title=\"Apa Berlaku Jika Anda Menuntut\">Apa Berlaku Jika Anda Menuntut<\/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-motosikal\/ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\/#Apa_Berlaku_Jika_Anda_Tidak_Renew\" title=\"Apa Berlaku Jika Anda Tidak Renew\">Apa Berlaku Jika Anda Tidak Renew<\/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-motosikal\/ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\/#Kadar_NCD_Motosikal_Mengikut_Tahun\" title=\"Kadar NCD Motosikal Mengikut Tahun\">Kadar NCD Motosikal Mengikut Tahun<\/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-motosikal\/ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\/#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-8\" href=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\/#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-motosikal\/ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\/#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-motosikal\/ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\/#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>Manfaat <strong>ncd untuk motosikal<\/strong> sememangnya wujud di Malaysia. Hakikatnya, para penunggang motosikal turut memperoleh manfaat <em>No Claim Discount<\/em> (NCD) walaupun ramai yang tidak menyedarinya. Sama seperti pemilik kereta, penunggang motosikal diberi ganjaran berharga atas rekod tahunan tanpa tuntutan dengan tawaran premium yang lebih rendah.<\/p>\n\n\n\n<p>Justeru, panduan komprehensif ini menerangkan secara teliti tentang cara NCD motosikal berfungsi. Selain itu, kami turut memperincikan skala diskaunnya dan cara terbaik untuk melindungi manfaat tersebut dari masa ke masa.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Ya_Motosikal_Memperoleh_NCD\"><\/span><strong>Ya, Motosikal Memperoleh NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ramai penunggang menganggap manfaat NCD hanya terpakai secara eksklusif untuk kereta. Sebenarnya, polisi insurans motosikal membina <em>No Claim Discount<\/em> dengan kaedah yang sama.<\/p>\n\n\n\n<p>Setiap tahun anda menunggang dengan selamat tanpa membuat sebarang tuntutan, peratusan NCD anda akan terus meningkat. Peningkatan ini secara automatik akan menurunkan harga premium pembaharuan anda. Ia merupakan satu bentuk ganjaran nyata dan berterusan demi memupuk corak penunggangan yang selamat.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Skala_Diskaun_Berfungsi\"><\/span><strong>Cara Skala Diskaun Berfungsi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara amnya, kadar NCD motosikal meningkat melalui tahap tetap bagi setiap tahun berturut-turut tanpa tuntutan bersalah. Namun begitu, kadar maksimumnya dihadkan sehingga 25% sahaja, tidak seperti insurans kereta yang boleh mencecah 55%.<\/p>\n\n\n\n<p>Semakin lama anda mengekalkan rekod pemanduan bersih, semakin tinggi diskaun dan semakin rendahlah harga premium anda. Oleh itu, sentiasalah menyemak tahap NCD semasa anda sebelum sesi pembaharuan supaya anda mendapat jumlah diskaun penuh yang selayaknya.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Berlaku_Jika_Anda_Menuntut\"><\/span><strong>Apa Berlaku Jika Anda Menuntut<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tindakan membuat tuntutan kerosakan sendiri akibat kecuaian anda pasti akan menetapkan semula NCD kepada 0%. Prosedur ketat ini diguna pakai pada sesi pembaharuan yang seterusnya, sama seperti terma polisi kereta.<\/p>\n\n\n\n<p>Apabila diskaun anda turun semula kepada sifar, anda terpaksa membina semula rekod tanpa tuntutan tersebut dari awal. Atas sebab inilah penunggang yang bijak sentiasa menimbang kos tuntutan kerosakan kecil dengan teliti berbanding nilai diskaun besar yang bakal hilang.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Berlaku_Jika_Anda_Tidak_Renew\"><\/span><strong>Apa Berlaku Jika Anda Tidak Renew<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika anda terlupa dan membiarkan polisi motosikal luput, peratusan NCD anda tidak akan lenyap dalam sekelip mata. Sebaliknya, nilai tersebut hanya turun satu tahap bagi setiap tahun anda membiarkannya tanpa polisi yang aktif.<\/p>\n\n\n\n<p>Ini bermakna, jurang kelalaian yang panjang akan mengurangkan peratusan tersebut secara beransur-ansur. Oleh yang demikian, perbaharui polisi anda dengan segera untuk mengekalkan diskaun penuh, dan pindahkan NCD tersebut jika anda mahu menukar motosikal baharu.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kadar_NCD_Motosikal_Mengikut_Tahun\"><\/span><strong>Kadar NCD Motosikal Mengikut Tahun<\/strong><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<\/strong><\/td><td><strong>Peratusan Diskaun NCD<\/strong><\/td><\/tr><tr><td><strong>Selepas 1 tahun tanpa tuntutan<\/strong><\/td><td>15%<\/td><\/tr><tr><td><strong>Selepas 2 tahun berturut-turut<\/strong><\/td><td>20%<\/td><\/tr><tr><td><strong>Selepas 3 tahun atau lebih<\/strong><\/td><td>25% (Kadar Maksimum)<\/td><\/tr><tr><td><strong>Tuntutan atas kesalahan sendiri<\/strong><\/td><td>Diset semula ke paras 0%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Soalan_Lazim_FAQ\"><\/span><strong>Soalan Lazim (FAQ)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Bagaimana nilai peratusan ini menjejaskan renew insurans motosikal saya?<\/strong><\/li><li>Ia secara langsung membentuk kualiti perlindungan dan kadar kos premium pembaharuan anda. Menyemak peratusan <strong>ncd untuk motosikal<\/strong> setiap tahun membantu anda mengelak daripada terlebih bayar. Semakan ringkas di platform <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a> menjadikan proses perbandingan ini sangat telus dan mudah.<br><\/li><li><strong>Adakah kelewatan memperbaharui polisi akan menjejaskan NCD saya?<\/strong><\/li><li>NCD anda diperoleh melalui rekod tahunan yang bebas kemalangan. Ia tidak akan hilang dalam sekelip mata jika polisi luput, sebaliknya ia hanya turun satu tahap untuk setiap tahun yang tiada perlindungan aktif. Nilai ini hanya diset semula kepada 0% apabila anda membuat tuntutan salah sendiri.<br><\/li><li><strong>Di mana saya boleh uruskan semakan polisi ini dengan cepat?<\/strong><\/li><li>Di <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a>, anda boleh membandingkan sebut harga daripada lebih 10 syarikat insurans dengan pantas. Anda bebas menetapkan jumlah perlindungan 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 pemahaman perundangan tambahan, sila baca panduan padat mengenai<a href=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/asas-insurans-motosikal-2026\" target=\"_blank\" rel=\"noreferrer noopener\"> asas insurans motosikal 2026<\/a>. Anda juga digalakkan untuk mempelajari<a href=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/renew-insurans-motosikal-online-cara-paling-pantas-2026\" target=\"_blank\" rel=\"noreferrer noopener\"> cara renew insurans motosikal online<\/a> bagi melancarkan urusan, serta rujukan langkah demi langkah tentang<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-ncd-2026-di-malaysia\" target=\"_blank\" rel=\"noreferrer noopener\"> cara semak NCD 2026 di Malaysia<\/a>. Kesemua rujukan pakar ini disediakan khusus bagi membantu anda memilih polisi yang paling berbaloi.<\/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 moden Bjak menjadikan keseluruhan proses pengurusan NCD dan insurans ini jauh lebih mudah. Di <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a>, anda boleh membandingkan senarai sebut harga daripada lebih 10 syarikat insurans yang dipaparkan bersebelahan di satu skrin. Hasilnya, anda boleh menilai harga dan perlindungan terbaik tanpa perlu pening kepala mencari ejen.<\/p>\n\n\n\n<p>Segalanya dilakukan 100% dalam talian, memberikan anda kebebasan untuk menguruskan insurans tanpa sebarang borang kertas yang melecehkan. Selain itu, Bjak turut menghantar notis peringatan pembaharuan secara percuma melalui e-mel, SMS, dan aplikasi bagi memastikan peratusan NCD anda sentiasa selamat di tahap maksimum.<\/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, penawaran NCD untuk motosikal sememangnya nyata dan sangat berharga buat pemandu yang cermat. Ia adalah ganjaran yang wajib dipertahankan melalui rekod penunggangan selamat tanpa tuntutan.<\/p>\n\n\n\n<p>Pastikan anda memperbaharui polisi tepat pada masanya dan menuntut pampasan dengan teliti. Sebelum perlindungan anda tamat kelak, 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=ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a><\/strong>!<\/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=ncd-untuk-motosikal-ya-ia-wujud-dan-begini-caranya\" 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-motosikal\/peringatan-renew-insurans-motosikal-kekal-sah-di-jalan-dengan-bjak\">Peringatan Renew Insurans Motosikal: Elak Polisi Luput<\/a><br><a href=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/sum-insured-motosikal-cara-tetapkan-nilai-yang-betul\">Sum Insured Motosikal \u2014 Cara Tetapkan Nilai Yang Betul<\/a><br><a href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/ncd-for-motorcycles-yes-it-exists-and-heres-how-it-works\">NCD for Motorcycles \u2014 Yes, It Exists and Here\u2019s How It Works<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Manfaat NCD untuk motosikal memang wujud di Malaysia. Ya, penunggang turut memperoleh No Claim Discount walaupun ramai yang tidak menyedarinya. Inilah perkara penting yang perlu anda tahu.<\/p>\n","protected":false},"author":39,"featured_media":60970,"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":[641,1898],"tags":[26,633,436],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NCD Untuk Motosikal \u2014 Ya, Ia Wujud dan Begini Caranya | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Motosikal | Read about: NCD Untuk Motosikal \u2014 Ya, Ia Wujud dan Begini Caranya Ketahui tentang ncd untuk motosikal di Malaysia. 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