No Claim Discount Guide · Malaysia 2026
Car Insurance NCD Malaysia
Save up to 55% on premiums — NCD scale, how to check, protect & transfer your NCD
Quick Answer
What is NCD and how much can I save?
NCD (No Claim Discount) rewards drivers who don't make claims. Maximum NCD in Malaysia is 55% — after 5+ claim-free years. On a RM1,000 base premium, NCD 55% saves you RM550 per year. NCD is tied to your car plate number, not your identity.
NCD Scale for Car Insurance Malaysia
BNM-regulated scale. All licensed insurers must follow this scale.
| Policy Year | NCD | Premium (ex. RM1,000 base) | Annual Saving |
|---|---|---|---|
| Year 1 (new policy) | 0% | RM1,000 | — |
| Year 2 (no claim) | 25% | RM750 | RM250 |
| Year 3 (no claim) | 30% | RM700 | RM300 |
| Year 4 (no claim) | 38.33% | RM617 | RM383 |
| Year 5 (no claim) | 45% | RM550 | RM450 |
| Year 6+ (no claim) | 55% | RM450 | RM550 |
*Example based on RM1,000 base premium before NCD. Actual premium varies by insurer, vehicle, and add-ons.
How to Check Your NCD in Malaysia
Bjak.my (fastest)
Enter your car plate number on Bjak — your current NCD percentage appears instantly alongside quotes from 16 insurers.
Your current insurer's website/app
Log in to your current insurer's customer portal. NCD is listed on your policy details page.
PIAM (Persatuan Insurans Am Malaysia)
Official body for general insurers. You can verify NCD details through official channels.
Call your insurer
Contact your current insurer's hotline. Provide your policy number and IC — they will tell you your NCD.
NCD Rules: What You Need to Know
NCD is tied to the car, not the driver
NCD belongs to the vehicle's registration number. If you change cars, you need to transfer NCD to the new plate.
NCD expires after 3 months without renewal
If your policy lapses for more than 3 months, NCD resets to 0%. Always renew within 3 months of expiry.
Any claim resets NCD to 0%
Making an at-fault claim typically resets your NCD to 0%. Exception: certain windscreen claims may not affect NCD (check with insurer).
NCD is portable across all insurers
Your NCD is recognised by all BNM-licensed insurers. Switch insurers freely — your NCD follows you.
Named driver NCD stays with the car
If a named driver makes a claim, the car owner's NCD is affected. Choose named drivers carefully.
NCD protection add-on available
Some insurers offer NCD protector add-ons — allows one claim per year without losing NCD. Worth considering for NCD 55%.
Should You Claim or Pay Out-of-Pocket?
If your NCD is 55%, losing it costs you RM200–800+ per year in higher premiums (depending on your car value). Before claiming for minor damage, calculate:
| Scenario | Repair Cost | Recommendation |
|---|---|---|
| Minor scratch / small dent | Below RM800 | Pay out-of-pocket — cheaper than losing NCD |
| Medium damage | RM800–2,000 | Calculate: repair cost vs. NCD value over 5 years |
| Major damage / total loss | Above RM2,000 | Claim — repair cost exceeds NCD benefit |
| Third party claim against you | Any amount | Always claim — protect yourself from TP liability |
Check Your NCD + Best Price Now
Enter your plate on Bjak — NCD shown instantly, 16 insurers compared · or buy on Shopee with RM25 cashback
Frequently Asked Questions
What is NCD in car insurance Malaysia?
NCD (No Claim Discount) is a discount on your car insurance premium for not making any claims during your policy year. In Malaysia, NCD is regulated by BNM and applies to all licensed car insurers. Maximum NCD is 55% — meaning if you have NCD 55%, you only pay 45% of the base premium price.
What is the NCD scale for car insurance in Malaysia?
Malaysia car insurance NCD scale: Year 1 (no claim) = 0%. Year 2 = 25%. Year 3 = 30%. Year 4 = 38.33%. Year 5 = 45%. Year 6 and beyond = 55% (maximum). NCD applies to the car, not the driver. NCD resets to 0% when you make a claim.
How do I check my car insurance NCD in Malaysia?
3 ways to check your NCD: (1) Bjak.my — enter your plate number and NCD appears instantly. (2) Pangkalan Data Insurans Kenderaan (PIAM) website — check via official portal. (3) Contact your current insurer directly. NCD is tied to the car registration number, not the owner.
Does NCD expire if I don't renew car insurance?
Yes — NCD expires if you do not renew your car insurance within 3 months of the policy expiry date. After 3 months without an active policy, your NCD resets to 0%. Always renew within 3 months to preserve your accumulated NCD.
Can I transfer my NCD to a new car?
Yes — NCD in Malaysia can be transferred to a new vehicle if you sell your old car and buy a new one. The NCD transfer must be done when you purchase insurance for the new car. Contact your insurer with proof of vehicle change (ownership transfer documents) to transfer your NCD.
