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How To Check No Claim Discount NCD Online

The No Claim Discount (NCD) is an incentive program provided by Malaysian insurance firms to policyholders. It acts as a major financial benefit, lowering your yearly insurance costs if you maintain a clean driving history.

At its core, it is a “safe driver” bonus. If you avoid filing any claims under your policy during the active year, and no external party files a claim against you, your NCD percentage grows, resulting in a more affordable premium 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

Prior to renewing your insurance, it is essential to verify your current NCD percentage. You can easily check this online via the MyCarInfo portal or through the central ISM (Insurance Services Malaysia) database.

Alternatively, most third-party renewal platforms and insurance apps will automatically retrieve your NCD details once you provide your vehicle registration and NRIC number.

  • 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 tariffs for vehicles in Malaysia are established by the Persatuan Insurans Am Malaysia (PIAM). Every insurance provider in the country adheres to these standards. NCD percentages for new vehicles typically begin at zero and scale upward over time.

The NCD structures for private cars, motorcycles, and commercial vehicles vary. We have provided the specific details for each category below:

NCD Rates For Private Cars

The NCD percentages for private vehicles in Malaysia are outlined in detail so proprietors can easily interpret their potential savings:

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?

In technical terms, NCD doesn’t vanish instantly, but it diminishes step-by-step if you cease renewing your insurance—for instance, if you sell your vehicle and remain without a new one for over a year.

As an illustration, if your current NCD stands at 45% and you skip renewal, your entitlement will drop to 35% the following year. If you persist in not renewing, the rate will continue to fall annually until it hits 0%.

How we can Maintain NCD

You can preserve your NCD by avoiding claims whenever feasible. However, your NCD remains intact under specific conditions:

  • Non-Fault Accidents: If the collision was not your responsibility, ensure you obtain an official police report to verify this.
  • Add-on Coverages: Verify if your policy features specific add-ons, such as windshield protection, which allow you to file a claim without impacting your NCD.

Out-of-Pocket Repairs: If the repair costs are manageable, it may be wiser to pay for them yourself. Filing a small claim could reset your NCD and lead to higher costs in the long run.

Can you Transfer NCD?

You are unable to pass your NCD to another individual, including family members. This limitation exists because your NCD is linked directly to your NRIC number.

However, you can shift your NCD to a different vehicle that you own. To do this, you must first withdraw the NCD from your previous car. Keep in mind that the vehicle categories must match; for example, you cannot move a car’s NCD to a motorcycle.

Understanding Insurance Claims and Your No Claim Discount (NCD)

Your No Claim Discount is a significant benefit for safe driving in Malaysia, leading to lower premiums. Not every incident will cost you your discount. Here are the claim types that usually won’t affect it:

Claims Where You Are Not At Fault

  • Clear Liability: If another motorist is undeniably responsible for the accident and your insurer recovers all expenses from their provider, your NCD stays secure.
  • Uninsured Drivers: If you are hit by an uninsured or untraceable vehicle, your insurer might still protect your NCD, provided you have solid evidence like police reports or witness accounts.

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 potent instrument for lowering your vehicle maintenance expenses in Malaysia.

By operating safely and keeping a spotless record, you can reduce your yearly premiums by as much as 55%. Ensure you verify your NCD status via the internet before performing a renewal to guarantee you receive the savings you are entitled to.

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