NCD Calculator Malaysia 2026
See exactly how much your No Claim Discount saves on car insurance. Malaysian NCD maxes at 55% after 5 claim-free years.
Calculate NCD Savings
First year / after claim
Estimated Annual Premium (Comprehensive)
RM1,545/year
Base Premium (0% NCD)
RM1,545
NCD Discount (0%)
− RM0
You Pay
RM1,545
Estimate based on standard BNM tariff (comprehensive, private sedan). Actual premium varies by insurer.
NCD Schedule Malaysia — Car Insurance
| Year | NCD | On RM1,500 Base | Annual Saving |
|---|---|---|---|
| Year 1 (new / after claim) | 0% | RM1,500 | — |
| Year 2 — 1 year no-claim | 25% | RM1,125 | Save RM375 |
| Year 3 — 2 years no-claim | 30% | RM1,050 | Save RM450 |
| Year 4 — 3 years no-claim | 38.33% | RM925 | Save RM575 |
| Year 5 — 4 years no-claim | 45% | RM825 | Save RM675 |
| Year 6+ — 5+ years | 55% | RM675 | Save RM825 |
Based on RM1,500 base premium (approx. RM70k car). Actual saving depends on your car value and insurer.
NCD Savings by Car Value
| Car Value | 0% | 25% | 38.33% | 55% ✓ |
|---|---|---|---|---|
| RM30,000 | RM725 | RM544 | RM447 | RM326 |
| RM50,000 | RM1,157 | RM868 | RM714 | RM521 |
| RM70,000 | RM1,545 | RM1,159 | RM953 | RM695 |
| RM100,000 | RM2,072 | RM1,554 | RM1,278 | RM932 |
| RM150,000 | RM2,847 | RM2,135 | RM1,756 | RM1,281 |
| RM200,000 | RM3,537 | RM2,653 | RM2,181 | RM1,592 |
Comprehensive sedan, Peninsular Malaysia. Excludes service tax (8%) and add-ons. Actual premiums vary by insurer.
Key NCD Facts Malaysia
Maximum 55% — reached after 5 consecutive claim-free years. Unlike motorcycles (max 25%), car NCD can reach 55%.
NCD belongs to the driver, not the car. Switch cars and your NCD follows your NRIC.
One claim resets to 0%. The reset applies on renewal after the claim year — so you can still use 55% NCD in the policy year a claim happens.
NCD protector add-on protects your NCD for one claim. Worth adding once you reach 38.33%+.
Transferable — your current insurer issues an NCD confirmation letter. New insurer uses it immediately.
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