How To Check No Claim Discount NCD Online

NCD online is known as the No Claim Discount. It is the discount given by insurance companies in Malaysia for vehicle insurance and is a reward or incentive for vehicle owners

This insurance however has some conditions. This discount is given to vehicle owners in certain situations we have discussed below;

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

Required Documents to check NCD Online

Here is list of documents which are required to check NCD.

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.

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

2nd Year

25%

3rd Year

30%

4th Year

38.33%

5th Year

45%

6th Year and above

55%

NCD Rates For Motorcycles

1st Year	0%
2nd Year	15%
3rd Year	20%
4th Year	25%
5th Year	25%
6th Year and above	25%

NCD Rates For Commercial Vehicles

1st Year	0%
2nd Year	15%
3rd Year	20%
4th Year	25%
5th Year	25%
6th Year and above	25%

Can NCD Expire?

NCD can not be expired but with time it can be decreased gradually. If you do not renew your car insurance your NCD rate decreases with the years you do not renew.

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

In conclusion, we can understand that NCD is key for very important for vehicle users and if we utilize it we can take much benefit of that.

We can easily understand when we should claim NCD and when we should not so it does not affect our NCD rates.

How To Check No Claim Discount NCD Online

Required Documents to check NCD Online