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NCD Calculator Malaysia

Calculate your No Claim Discount (NCD) rate and see how much you can save on your car insurance renewal. Check your NCD percentage instantly.

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Number of consecutive years without making a claim

Your insurance premium before NCD discount

Your NCD Result

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NCD Rates

Malaysia NCD Table for Private Cars

The No Claim Discount (NCD) increases with each claim-free year. Here is the official NCD rate structure used by all insurers in Malaysia.

Claim-Free YearsNCD RateDiscount on PremiumStatus
0
0 years
0%Save 0% of your premium—
1
1 year
25%Save 25% of your premium—
2
2 years
30%Save 30% of your premium—
3
3 years
38.33%Save 38.33% of your premiumYour NCD
4
4 years
45%Save 45% of your premium—
5
5+ years
55%Save 55% of your premium—

What is NCD?

NCD NCD (No Claim Discount) is a reward system for safe drivers in Malaysia. For every year you drive without making an insurance claim, your insurer gives you a discount on your next year's premium.

The discount starts at 0% in your first year and grows to a maximum of 55% after 5 or more consecutive claim-free years. This means a driver with 55% NCD could pay less than half of what a new driver pays for the same coverage.

NCD applies to the own damage portion of your premium, not the third-party liability portion. This is why comprehensive policies benefit more from NCD than third-party policies.

NCD Tips & Rules

NCD is Transferable

You can transfer your NCD to a new car when you sell your old one. The NCD follows the policyholder, not the vehicle.

NCD Resets on Claim

If you make a claim, your NCD drops to 0% at the next renewal. You start building it again from scratch.

Only for Private Cars

NCD rates for private cars are different from commercial vehicles. The 55% max applies to private cars.

Grace Period

Most insurers allow a 12-month grace period after your policy expires to retain your NCD if you renew late.

FAQ

Frequently Asked Questions About NCD

What is the maximum NCD for private cars in Malaysia?
The maximum NCD for private cars in Malaysia is 55%, achieved after 5 or more consecutive claim-free years. Commercial vehicles have different maximum rates.
How do I check my NCD rate?
You can check your NCD rate by contacting your current insurer, checking your latest cover note, or using our NCD calculator. Some insurers also offer online NCD checking portals.
Can I transfer NCD to another person?
No, NCD is non-transferable between individuals. It belongs to the policyholder. However, you can transfer it to a new car when you sell your old one.
Does windscreen claim affect NCD?
Typically, a windscreen claim does not affect your NCD if you have windscreen cover as an add-on. However, always confirm with your insurer as policies may vary.
What happens if I let my policy lapse?
Most insurers offer a 12-month grace period. If you renew within this period, your NCD is usually retained. After that, it may reset to 0%.
Does NCD apply to third-party insurance?
NCD applies to the own damage portion of your premium. Third-party policies have minimal own damage coverage, so NCD has less impact on third-party premiums compared to comprehensive.

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