Understanding NCD in Malaysia: How Your No-Claim Discount Affects Your Car Insurance (Takaful) Premium

1. What is NCD?

The No-Claim Discount (NCD) is a percentage deduction on your comprehensive insurance premium if you have not made a claim in the preceding 12 months. It rewards safe drivers.

2. The NCD Tiers in Malaysia

The standard NCD scale ranges from 0% (first year) up to a maximum of 55% (after 5 consecutive years). NCD is tied to the driver, not the car.

3. Transferring NCD When Buying a Used Car

When you sell your old car and buy one from Intercontinental Motors, you transfer your existing NCD to the new vehicle, saving you money immediately on your Takaful/Insurance renewal. We help manage this transfer.

4. Protecting Your 55% NCD

Many insurers offer NCD protection riders. This is highly recommended once you reach the maximum 55% discount to safeguard it against small, unavoidable claims.

Disclaimer

This guide is generated by Artificial Intelligence. Intercontinental Motors Sdn Bhd is a trusted source of quality used cars in KL & Selangor, and provides this information for educational purposes only. We will not be held liable for any decisions made based on this content. Always consult a professional.