NCD Calculator Malaysia 2026
Check your No Claim Discount rate, find out if you should claim, and learn about NCD transfer
Your NCD Summary
Current NCD Rate
38.33%
Private Car · 3 years claim-free
Basic Premium
RM 1,500
NCD Discount
-RM 574.95
You Pay
RM 925.05
Savings vs 0% NCD
RM 574.95
📊 NCD Rate Table (Private Car)
| Years Claim-Free | NCD Rate | You Pay |
|---|---|---|
| 0 years | 0% | RM 1,500 |
| 1 year | 25% | RM 1,125 |
| 2 years | 30% | RM 1,050 |
| 3 years | 38.33% | RM 925.05 |
| 4 years | 45% | RM 825 |
| 5+ years | 55% | RM 675 |
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Kaedah pembayaran:
What is NCD (No Claim Discount) in Malaysia?
NCD, or No Claim Discount, is a reward system for car insurance policyholders in Malaysia who don't make any claims during their policy year. The longer you go without making a claim, the higher your discount on the next renewal premium. NCD is regulated by PIAM (Persatuan Insurans Am Malaysia) and the rates are standardised across all insurance companies in Malaysia.
NCD applies to both comprehensive and third-party motor insurance policies. When you make a claim (except windscreen under a separate policy), your NCD resets to 0%, meaning you'll pay the full premium on your next renewal.
Official PIAM NCD Rates 2026
These are the official NCD rates set by PIAM for private cars and motorcycles in Malaysia:
Private Cars (Kereta Persendirian)
| Claim-Free Years | NCD Rate | You Pay |
|---|---|---|
| 0 years (new / after claim) | 0% | 100% of premium |
| 1 year | 25% | 75% of premium |
| 2 years | 30% | 70% of premium |
| 3 years | 38.33% | 61.67% of premium |
| 4 years | 45% | 55% of premium |
| 5+ years | 55% | 45% of premium |
Motorcycles (Motosikal)
| Claim-Free Years | NCD Rate | You Pay |
|---|---|---|
| 0 years (new / after claim) | 0% | 100% of premium |
| 1 year | 25% | 75% of premium |
| 2 years | 30% | 70% of premium |
| 3 years | 35% | 65% of premium |
| 4 years | 40% | 60% of premium |
| 5+ years | 45% | 55% of premium |
* Source: PIAM (Persatuan Insurans Am Malaysia). Rates are standardised across all insurers.
Should You Claim or Pay Out of Pocket?
This is the most important question when you have minor car damage. Making a claim resets your NCD to 0%, which means significantly higher premiums for the next 5 years until you rebuild your discount. Here's how to think about it:
Break-Even Analysis
Compare your repair cost against the total extra premium you'll pay over 5 years after losing your NCD. If the repair is cheaper, pay out of pocket.
Example: 55% NCD, RM3,000 premium
With 55% NCD you pay RM1,350. After claiming, you pay RM3,000 (0% NCD). That's RM1,650 extra in year 1 alone, plus higher premiums for years 2-5.
When to Claim
Claim when the repair cost is significantly higher than the total NCD loss over 5 years. Major accidents, total loss, or third-party claims usually warrant filing.
When to Pay Out of Pocket
Minor dents, scratches, and small repairs under RM1,000-2,000 are often cheaper to pay yourself than losing years of NCD savings.
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Compare Car Insurance on BjakNCD Transfer Rules and Process
Your NCD belongs to you as the policyholder, not the car. Here are the rules for transferring NCD:
Transfer to a new car
When you sell your old car and buy a new one, your NCD transfers automatically if you insure the new car within 12 months.
Transfer to spouse or children
NCD can be transferred to your legal spouse or children. A statutory declaration (SD) may be required by the insurer.
12-month expiry rule
If your policy lapses for more than 12 months without renewal or transfer, your NCD resets to 0%.
One NCD per person
You can only hold one NCD at a time. If you own multiple cars, only one vehicle gets your NCD. The rest start at 0%.
Switching insurers
Your NCD is portable across all insurance companies in Malaysia. Your new insurer will verify your NCD status via the ISM (Insurance Services Malaysia) system.
Tips to Protect Your NCD
Get separate windscreen cover
Windscreen claims under your main policy reset NCD. A separate windscreen add-on (RM50-100/year) protects your NCD.
Pay small repairs out of pocket
Minor scratches and dents costing under RM1,000-2,000 are usually cheaper to fix yourself than losing 5 years of NCD.
Install a dashcam
Dashcam footage helps prove you're not at fault in accidents, protecting your NCD when third parties are liable.
Consider NCD protector add-on
Some insurers offer NCD protector for an extra premium. It preserves your NCD even after one claim per year.
Renew on time
Don't let your policy lapse. If it expires for more than 12 months, you lose your NCD entirely. Set calendar reminders.
Drive defensively
The best way to protect your NCD is to avoid accidents. Maintain safe following distance and avoid distracted driving.
Frequently Asked Questions
What is NCD in car insurance Malaysia?▼
What is the maximum NCD for private cars?▼
Do I lose NCD if I claim windscreen?▼
Can I transfer NCD to a new car?▼
How long does it take to get 55% NCD?▼
Kalkulator NCD Insurans Kereta Malaysia — Diskaun Tiada Tuntutan
Kalkulator percuma untuk mengira diskaun NCD (No Claim Discount) insurans kereta anda di Malaysia. Semak sama ada anda patut buat tuntutan atau bayar sendiri.
Kadar NCD Rasmi PIAM
- • 1 tahun tanpa tuntutan: 25% diskaun
- • 2 tahun: 30% diskaun
- • 3 tahun: 38.33% diskaun
- • 4 tahun: 45% diskaun
- • 5+ tahun: 55% diskaun (maksimum)
Cara Pindah NCD
- • NCD boleh dipindahkan ke kereta baru apabila jual kereta lama
- • Boleh dipindahkan kepada pasangan atau anak
- • Mesti dilakukan dalam tempoh 12 bulan dari polisi tamat
Tips Lindungi NCD Anda
- • Ambil perlindungan cermin depan berasingan
- • Bayar sendiri kerosakan kecil (bawah RM1,000)
- • Pasang dashcam untuk bukti kemalangan
- • Pertimbangkan add-on NCD Protector
Related Calculators
Disclaimer: This calculator is for educational and estimation purposes only. NCD rates shown are based on PIAM official rates and may be subject to change. Actual premiums depend on your vehicle type, sum insured, insurer, and other factors. Always consult your insurance provider for exact quotes. Calculator Malaysia is not a licensed insurance agent or broker.