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How To Check No Claim Discount NCD Online

No Claim Discount (NCD) is a reward scheme offered by insurance companies in Malaysia to vehicle owners. It serves as a significant financial incentive, reducing your annual insurance premium if you have a record of safe driving.

Essentially, it is a “good behavior” discount. If you do not make any claims against your policy during the coverage year, and no third party makes a claim against you, your NCD entitlement increases, leading to cheaper insurance upon renewal.

  • If you are a driver and do not claim any insurance in your driving period.
  • If you have not claimed any insurance by a third party made against your insurance policy.

Read More: Malaysia Tax calculator

How to Check Your NCD Status Online

Before renewing your insurance, it is vital to know your current NCD percentage. You can check this easily online using the central industry database or third-party platforms.

  • Vehicle Registration / Plate Number
  • Owner Passport/MyKad Number

How to check your NCD

You can easily check your NCD using fincrew website. Here is simple way how you can do it.

The MyCarInfo Online Portal

Here is simple method you can use to check your NCD Online.

  • Visit the official MyCarInfo website.
  • Navigate to the “NCD Online Enquiry” section.
  • Enter your vehicle registration number (number plate) and either your Identification Card (IC) number or your company’s business registration number (if the vehicle is company-owned).
  • Read the terms and conditions, solve the CAPTCHA if necessary, and click “GET MY NCD RECORD”.
  • You’ll receive details about your current NCD percentage, your next NCD percentage, and the effective dates for both.
NCD Online

Contact Your Insurance Company Directly

  • Call your insurance provider’s customer service hotline.
  • Be prepared to provide your IC number or business registration number, along with your vehicle registration number.
  • A representative will be able to access and tell you your current NCD online information.

Using Fincrew

  • Go to Fincrew website link
  • Enter your Registration / Plate Number
  • Input Your Owner Passport/MyKad Number
  • Tap on the Search button.
  • Congratulations! You have found your NCD Online

However, we have given complete details about the NCD rate for vehicles in Malaysia so you can easily understand. 

NCD Rates For Vehicles

NCD rates for vehicles in Malaysia are set by (PIAM) Persatuan Insurance am Malaysia.

Every insurance company in Malaysia follows it.NCD rates for new vehicles usually start from zero but increase over time.

NCD rates for private cars, motorcycles, and commercial vehicles are different we have given complete details about that below;

NCD Rates For Private Cars

NCD Rates for private cars in Malaysia are given in detail the owner can easily understand NCD rates with this 

1st Year

0%

2nd Year

25%

3rd Year

30%

4th Year

38.33%

5th Year

45%

6th Year and above

55%

NCD Rates For Motorcycles

1st Year0%
2nd Year15%
3rd Year20%
4th Year25%
5th Year25%
6th Year and above25%

NCD Rates For Commercial Vehicles

1st Year0%
2nd Year15%
3rd Year20%
4th Year25%
5th Year25%
6th Year and above25%

Can NCD Expire?

Technically, NCD does not “expire” immediately, but it reduces gradually if you stop renewing your insurance (e.g., if you sell your car and don’t buy a new one for a year).

 For example, if your NCD is 45% and you do not renew then next year your NCD will be 35%.

If you continue to not renew your vehicle insurance it will decrease every year and can reach 0%.

How we can Maintain NCD

We can maintain our NCD by avoiding making a claim whenever possible. However, there are some conditions in which NCD claim is not affected these are;

  • if the accident is not your fault make sure you have a police report for this also.
  • Check that your policy includes a specific add-on like a windscreen or any other policy claim that will not affect your NCD. 

If the damage is manageable then it will be good for you to cover its costs because if you claim NCD for this this can affect your NCD.

Hence for claiming NCD, we should take care of these things so that our NCD can not be affected.

Can you Transfer NCD?

You can not pass your NCD to another person even if they are your family members. This restriction is because your NCD is tied to your IC number.

However, you can transfer your NCD to another vehicle you own for this you have to withdraw the claim for NCD for your old car.For this you have to remember that the vehicle type should be the same otherwise you can not transfer your NCD to a different type of vehicle.

Understanding Insurance Claims and Your No Claim Discount (NCD)

Your No Claim Discount (NCD) is a valuable reward for safe driving practices in many countries, including Malaysia. It translates to a discount on your car insurance premiums. However, not all claims will jeopardize your hard-earned NCD. Let’s dive into the types of claims that typically won’t reduce your discount:

Claims Where You Are Not At Fault

  • Clear Liability: If another driver is clearly at fault in an accident, and your insurer successfully recovers the costs from their insurance company, your NCD should remain protected.
  • Uninsured Drivers: If you’re involved in an accident with an uninsured or untraceable driver, your insurer may still preserve your NCD, especially if you have supporting evidence (police report, witness statements, etc.).

Specific Claim Types

  • Windscreen Damage: Claims solely for windscreen repairs or replacement often don’t affect your NCD.
  • Theft or Fire: If your car is stolen or damaged by fire, and your insurer is unable to recover costs, your NCD may still be protected.
  • Natural Disasters: Damage caused by floods, storms, or other natural disasters might not impact your NCD.

Important Considerations

  • Insurer Policies: The specific rules regarding claims and NCD protection can vary between insurance companies. Always check your policy documents or contact your insurer for clarification.
  • NCD Protection: Some insurers offer the option to purchase “NCD Protection” as an add-on, which safeguards your NCD even after certain at-fault claims.
  • Claim Frequency: Even if a single claim doesn’t affect your NCD, multiple claims within a short period could lead to a reassessment of your risk profile and potentially impact your premium.

How to Protect Your NCD

  • Drive Safely: The most obvious way to preserve your NCD is to practice defensive driving, obey traffic laws, and minimize your risk of accidents.
  • Report Incidents Promptly: If you’re involved in an accident, even a minor one, contact your insurer immediately.
  • Gather Evidence: If you believe you’re not at fault, collect as much evidence as possible (photos, videos, witness statements, police reports).
  • Consider NCD Protection: If you’re concerned about potential claims, inquire about NCD Protection with your insurer.

Conclusion

The No Claim Discount (NCD) is a powerful tool for reducing your vehicle ownership costs in Malaysia.

By driving safely and maintaining a clean record, you can save up to 55% on your annual premiums. Always check your NCD status online before renewing to ensure you are getting the discount you deserve.

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