No Claim Bonus (NCB) in Malaysia: How It Helps You Save

🚗 What is No Claim Bonus (NCB) in Car Insurance?

If you’ve never made a claim on your car insurance, chances are you’ve received a No Claim Bonus (NCB). It’s a reward from your insurer for being a safe and responsible driver.

In Malaysia, NCB is a discount on your insurance premium when you renew your policy. The longer you go without making a claim, the higher your NCB — up to 55% in savings.

Think of it as a “thank you” from your insurer for not making any claims within your coverage year.

🧮 How is NCB Calculated?

The NCB percentage increases with every claim-free year:

The discount is only valid for private vehicles with comprehensive or third-party, fire & theft coverage.

🔁 Check your NCB or renew your car insurance instantly

❌ What Causes You to Lose NCB?

NCB is tied to your vehicle, not you. That means if you make a claim on that vehicle, your NCB could be reset to 0%, even if the accident wasn’t your fault.

You risk losing your NCB if:

• You claim for own damage repairs under comprehensive insurance.
• You are at fault in an accident.
• You make a theft, fire, or flood damage claim.

However, third-party claims (where the other party is fully at fault and pays for your loss) do not affect your NCB, provided it’s processed under the Knock-for-Knock agreement.

💡 Learn how Knock-for-Knock claims protect your NCD

🛡️ Can You Transfer Your NCB?

Yes — NCB is transferable between insurers in Malaysia, and even if you switch cars.

You can:

• Transfer your NCB to a new car (if you sell your old one).
• Maintain your NCB even if you change insurance providers.

Important: You can only use your NCB on one active car at a time. If you own multiple cars, NCB won’t apply to all — only to the one that holds the claim-free record.

🔁 NCB Reinstatement: Is It Possible?

If you lose your NCB due to a claim, some insurers may offer NCB Reinstatement after a period of claim-free driving. This depends on the insurer’s policy.

Another option is to ask about NCB Protection Add-On during your insurance renewal. It allows you to make one claim without affecting your NCB — useful if you want peace of mind.

🛡️ Protect your NCB with the right insurance plan

📑 How to Check Your NCB in Malaysia

Want to know your current NCB percentage? You can check via:

• Your current insurance provider’s portal.
• JPJ eINSKEN portal under the NCB Check section.
• Your renewal quotation summary.

Knowing your NCB helps you compare insurance quotes more accurately and avoid paying more than necessary.

💸 How NCB Helps You Save Money

Let’s say your annual insurance premium is RM1,500. With an NCB of 55%, your new premium could be RM675 — a massive saving of RM825 just for being claim-free.

In times where fuel, food, and daily expenses are rising, this bonus really helps stretch your budget.

⚠️ Key Tips to Maintain Your NCB

• Drive safely and avoid accidents — even minor ones.
• Consider paying small repairs out-of-pocket if they cost less than your NCB savings.
• Install a dashcam to support claims if you’re not at fault.
• Get the right policy with add-ons like windscreen and NCB protection.

📝 Summary: NCB in a Nutshell

🌐 Ready to Renew & Save?

Don’t let a small claim cost you your NCB. Compare car insurance plans with or without NCB protection on MetaFin to make a smarter choice today.

🚗 Get quotes & renew with NCB savings