What is NCD (No Claim Discount)?
No Claim Discount (NCD), sometimes called No Claim Bonus (NCB), is a reward given by general insurers to vehicle owners who do not make any claims during a policy year. In short: drive safely, avoid claims, and your premium for the next year goes down. NCD is one of the most powerful levers to reduce annual motor insurance costs especially for private car owners.
Contents
- What is NCD (No Claim Discount)?
- NCD Rates in Malaysia (Quick Reference)
- Why You Should Check Your NCD Regularly
- Step-by-Step: How to Check Your NCD Online
- Practical Tips to Protect & Maximise Your NCD
- Check Your NCD & Compare Insurance on MetaFin
📊 NCD Rates in Malaysia (Quick Reference)
NCD rates are standardised by Persatuan Insurans Am Malaysia (PIAM) and applied by motor insurers across the market. For private cars, NCD typically starts at 0% for the first year and can increase up to a maximum of 55% (commonly achieved from the sixth claim-free year). Motorcycles and commercial vehicles have different scales (motorcycles cap lower, e.g. ~25%). Always check the current official tables for exact thresholds.
| Vehicle Type | Typical Max NCD |
|---|---|
| Private Car | Up to 55% |
| Motorcycle | Up to 25% |
| Commercial Vehicle | Varies by class |
Why You Should Check Your NCD Regularly?
Checking your NCD is more than curiosity, it’s crucial for your annual financial budget. Regular checks help you:
- Verify your recorded NCD percentage before renewal (so you get correct premium calculations)
- Detect any unauthorised or mistaken claims lodged under your policy or vehicle
- Plan whether to make a minor claim (which could wipe out your NCD) or self-fund small repairs
- Prepare documents for insurer migration or switching providers
Market guides highlight that an accurate NCD can save hundreds of ringgit annually, so it’s worth a 2-minute check before each renewal.
Step-by-Step: How to Check Your NCD Online (MyCarInfo)
The simplest free tool for Malaysians to check NCD information is MyCarInfo. The platform consolidates basic policy and NCD details so you can see your current percentage and next effective date. Here’s the exact process:
- Visit www.mycarinfo.com.my. This is the official public NCD enquiry portal most commonly used by consumers.
- Choose the “NCD Enquiry” or “Find Out Your NCD Online” option on the homepage.
- Enter your vehicle registration number (e.g., VAD1234) and your identification number (NRIC/passport).
- Complete the CAPTCHA and accept terms & conditions (this is to prevent bots and protect data access).
- Click “Get My NCD Report” and wait for the system to generate your NCD summary.
The generated report typically shows: current NCD percentage, current policy period, next NCD percentage, and next effective date. Basically it’s everything you need to verify before renewing your policy. If the NCD shown looks incorrect, contact your insurer immediately to update the records.
Practical Tips to Protect & Maximise Your NCD
Keeping an NCD high takes small habits and occasional paperwork. Here are practical, human-first tips:
1. Avoid small claims when feasible
If a minor scratch or chip costs less to repair than the premium increase from losing NCD, consider paying out-of-pocket. Use rough arithmetic: if losing one NCD level costs you RM200+ next year, a RM150 repair may be worth self-funding.
2. Always check your NCD before renewal
Run a quick MyCarInfo check or use aggregator tools (like Metafin’s NCD checker) to confirm the insurer has recorded your correct NCD. Mistakes happen — fixing them before renewal is easier than after a policy is issued.
3. Keep clear records
Save your past policy schedules, claims receipts, and any correspondence. If a claim appears on your record wrongly, you’ll need documentation to dispute it.
4. Know transfer rules
If you sell your car or change insurers, understand how NCD is transferable (some rules apply). Most systems allow you to transfer NCD to a replacement car under the same owner — but always verify with both insurers.
5. Use comparison platforms
Before renewing, compare live premiums with your NCD applied. Platforms like MetaFin or BJAK can show how much you save with your current NCD and whether alternative providers give a better deal.
🔗 Ready to Check Your NCD & Compare Quotes?
Don’t leave money on the table. Use MetaFin’s NCD checker and comparison tools to verify your NCD, then compare live insurance quotes from multiple providers. It takes a few minutes and can save you hundreds per year.
Check My NCD & Compare Insurance on MetaFin
References & Further Reading
- MyCarInfo — Official NCD enquiry portal: mycarinfo.com.my.
- PIAM — Persatuan Insurans Am Malaysia (for standard NCD table references).
Final note
A small routine check of your NCD before each renewal is one of the easiest personal finance wins for Malaysian drivers. It takes just minutes, but the savings and peace of mind last the whole year. If anything looks off, engage your insurer or use MetaFin to help sort things out. We’re here to help you keep more of your hard-earned ringgit. Drive safe!