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No Claim Discount (NCD) Checker

See your current NCD (no claim discount) % and status before renewing

What is NCD (No Claim Discount)?

NCD is a discount on your car insurance premium when you don’t make any claims during your policy period. The more years you stay claim-free, the higher your NCD.

How NCD works

  • No claim: NCD goes up at your next renewal.
  • Make a claim: NCD may drop or reset, depending on the claim type and insurer rules.
  • Rules can differ by insurer: The final NCD is based on the insurer’s record.

What affects NCD

Your NCD can be lost if you:
Make an own damage claimMake an own damage claim
Transfer the vehicle to a new ownerTransfer the vehicle to a new owner
Switch to another insurer with incorrect NCD recordsSwitch to another insurer with incorrect NCD records
File a minor claim (like a self-inflicted scratch)File a minor claim (like a self-inflicted scratch)
To maintain your NCD, avoid making small claims, pay out of pocket for repairs below RM500, since your NCD value is usually worth more in savings.

NCD Rates

NCD Rates — Claim Free Year of Insurance & NCD Entitlement
Claim Free Year of InsuranceNCD Entitlement
First year0%
After 1 continuous claim free year25%
After 2 continuous claim free years30%
After 3 continuous claim free years38.33%
After 4 continuous claim free years45%
After 5 continuous claim free year and beyond55%
*NCD only applies to own-damage claims and does not cover third-party claims.

FAQ

NCD Basics & Maintenance

Claims & Transfers