Your No Claim Discount (NCD) is a reward for safe driving. For every year you don't make a claim, your insurer gives you a bigger discount on next year's premium. The longer you go claim-free, the more you save.
The Malaysian NCD scale (private cars)
| Claim-free years | NCD discount |
|---|---|
| Less than 1 year | 0% |
| 1 year | 25% |
| 2 years | 30% |
| 3 years | 38.33% |
| 4 years | 45% |
| 5 years and above | 55% |
That maximum 55% is serious money. On a RM2,000 premium, you'd pay only RM900.
Things to know about your NCD
- It follows you, not your car. Sell your car and buy a new one? Your NCD comes with you.
- One claim can reset it. Make a claim against your own policy and your NCD usually drops back, sometimes all the way to 0%. That's why for small damage, it's worth calculating whether claiming is really worth it. (We help you do that math, free.)
- A claim that's not your fault shouldn't cost you. If the other driver was at fault and you claim against their insurance (third-party claim), your NCD stays protected. This is exactly the kind of thing we handle in our free claim assistance.
💡 Atur tip: before renewing, always check what NCD you're entitled to. Sometimes auto-renewals miss NCD you've earned, you'd literally be donating money to the insurer.
Confused? Don't be, just ask us. Free, no obligation.
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