5 Easy Steps to Do an NCD Check Online in Malaysia

NCD, or Non-Claim Discount, is a reward scheme offered by your insurance company for consistently demonstrating good driving behavior. You can conduct an NCD check online in just a few clicks to see the current rate applicable to your vehicle, along with other relevant details.

No-Claim Discount: What Is Car Insurance NCD?

Generally, car NCD refers to the insurance deduction that vehicle owners get to enjoy for maintaining zero insurance claims throughout the owning period. The discounted rate, up to 55 percent, will be granted gradually in the annual insurance renewal payment.

Policyholders will start to enjoy the deduction from the second claim-free year of insurance until the sixth and subsequent continuous claim-free years.

How Claim Affect NCD Insurance?

NCD encourages vehicle owners to drive safely and always be vigilant on the road to prevent collisions or damage. For claims issued due to collisions or damaged car components, the NCD rate for the following year will be reset to zero.

However, there are certain scenarios where claims can be made without affecting your NCD rate, such as:

• You are using the windscreen add-on coverage for a claim made to replace your windscreen; or
• You are involved in an accident and manage to prove that it is not your fault (via police reports).

How Much Is the Car Insurance NCD Rate in Malaysia?

In Malaysia, the NCD rate is determined by Persatuan Am Insurans Malaysia (PIAM), where all insurance providers are obliged to follow these fixed rates. The table below shows the rates applicable for different types of vehicles:

Therefore, if you own a Perodua Myvi and have not made any claims against your car insurance for three years, you are eligible for a 30 percent discount off your insurance premium fee. This discount applies when you renew your car insurance in the same year.

No-Claim Discount: Can I Check My NCD Online?

Now, how do you get the information on your vehicle’s current NCD rate? How do you know if you have filed any claims before? If you are uncertain about it, let’s follow this step-by-step guide on how to check NCD online and other details, which can be easily done.

1. Go to your browser and visit www.mycarinfo.com.my;
2. On the homepage, click on the “NCD Enquiry“ option;
3. On the NCD page, click on the “Find Out Your NCD Online” button;
4. Enter your Vehicle Registration Number and ID Number (NRIC), then check the box to accept the terms and conditions and complete the “I’m not a robot” CAPTCHA;
5. Click “Get My NCD Report” to check NCD online. You will receive a report containing information such as:

• • Next NCD Percentage;
  • Next NCD Effective Date;
  • Current Policy Period of Cover;
  • Current NCD Percentage;
  • Current NCD Effective Date.

Renew Your Insurance Easily with Qoala

With all the details for your NCD accessible online, you can effortlessly monitor and check NCD online to stay updated on your current NCD rate. It serves as a friendly reminder to always prioritize safety on the road, ensuring you can renew your insurance the following year with increased savings.

Moreover, checking your NCD online also helps you stay informed about any unauthorized insurance claims made without your consent. However, in case of minor mishaps, consider using your own emergency funds if the amount is manageable.

This strategy keeps your NCD intact, allowing you to accumulate more discounts in subsequent years. This is especially beneficial if your vehicle ownership period is less than five years.

We hope this sheds light on the hassle-free method of conducting an NCD check online. Visit Qoala for more information and to find the best car insurance that suits your needs at an affordable price.