Car Insurance Guide
How to Check Your NCD in Malaysia (Online, Free) 2026
Check your No Claim Discount percentage online in 2 minutes. Step-by-step guide using Bjak, ISM, and your insurer's portal — no phone calls needed.
How do I check my NCD in Malaysia?
The fastest way to check your NCD in Malaysia is through Bjak.my — enter your IC number and car registration plate and your NCD percentage is shown instantly for free. You can also check via the ISM (Insurance Services Malaysia) portal at motor.ism.com.my, or log in to your insurer's app/portal. Your NCD is also printed on your current policy schedule document.
Updated 2026 • Malaysia
Method 1: Check via Bjak (Fastest)
Go to Bjak.my
Visit bjak.my and click 'Get Quote' or 'Car Insurance'.
Enter your car plate number
Type your vehicle registration number (e.g. WXY1234). Bjak pulls your car details automatically from JPJ.
Enter your IC number
Your MyKad number is used to verify ownership and retrieve your NCD from the insurer database.
NCD shown instantly
Your current NCD percentage appears on the quote page alongside quotes from 16 insurers. Free, no account needed.
Method 2: ISM Portal (Official)
Go to motor.ism.com.my
ISM (Insurance Services Malaysia) is the official industry body that tracks NCD across all insurers in Malaysia.
Select 'NCD Inquiry'
Look for the NCD or motor insurance inquiry section on the portal.
Enter your vehicle number and IC
Fill in your car registration plate and IC number to verify your identity.
View your NCD record
Your current NCD percentage and which insurer holds it are displayed. This is the most authoritative source.
Method 3: Check With Your Current Insurer
Log in to your insurer's mobile app or web portal — most major insurers (Allianz, Etiqa, Zurich, MSIG) display your NCD percentage on your policy summary page.
Alternatively, your NCD is printed on your policy schedule document — the PDF sent to your email when you last bought or renewed your insurance. Look for 'NCD' or 'No Claim Discount' on the document.
If you can't find it digitally, call your insurer's hotline and they can tell you your NCD in under 5 minutes — just have your IC and car plate number ready.
Malaysia NCD Rates (For Reference)
| Years Claim-Free | NCD % | Savings on RM2,000 Premium |
|---|---|---|
| 0 years (new driver) | 0% | RM0 |
| 1 year | 25% | RM500 |
| 2 years | 30% | RM600 |
| 3 years | 38.33% | RM767 |
| 4 years | 45% | RM900 |
| 5+ years | 55% | RM1,100 |
NCD rates are standardized across all Malaysian insurers by Bank Negara.
Important NCD Facts
- NCD belongs to the driver, not the car
- NCD expires after 90 days lapse
- NCD stays at 55% indefinitely
- Each car has its own NCD
- NCD Protector preserves your NCD after one claim
Compare Car Insurance Prices
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How to Check Your NCD in Malaysia (Online, Free) FAQ
No — NCD checks require the IC number of the policyholder/registered owner. You can only check NCD for a vehicle registered in your name or where you are the named policyholder.
Related Guides
Compare Insurance Quotes With Your NCD Applied
Once you know your NCD, put it to work — compare quotes from 16 insurers on Bjak with your actual NCD pre-applied to see your exact renewal price.