NCD Calculator Malaysia
Check your No Claim Discount and see exactly how much you can save on car insurance.
Calculate Your NCD Savings
You save RM 0 — that's 0% off your base premium!
Malaysia NCD Rate Table 2026
| Claim-Free Period | NCD % | Your Savings |
|---|---|---|
| 🔰 0 (New driver) | 0% | RM 0 |
| ⭐ 1 year no claim | 25% | RM 700 |
| ⭐⭐ 2 years no claim | 30% | RM 840 |
| ⭐⭐⭐ 3 years no claim | 38.33% | RM 1,073 |
| 🌟🌟 4 years no claim | 45% | RM 1,260 |
| 🏆 5+ years no claim | 55% | RM 1,540 |
* Click any row to select your NCD level. Savings shown are approximate based on your input values.
FAQ
NCD (No Claim Discount) is a percentage discount on your car insurance premium for every year you drive without making a claim. In Malaysia, NCD starts at 0% and increases to 55% after 5+ claim-free years.
NCD increases each year you don't make a claim: Year 1 = 25%, Year 2 = 30%, Year 3 = 38.33%, Year 4 = 45%, Year 5+ = 55%. The discount is applied to your base premium before add-ons and taxes.
Yes, NCD is attached to you as the driver, not the insurer. When you switch insurers, your accumulated NCD transfers with you. Always request an NCD confirmation letter from your current insurer.
If you make a claim, your NCD typically resets to 0% at the next renewal. However, your NCD may be protected if you have an NCD protection add-on or if the claim is under a no-fault windscreen claim.
Yes, NCD is attached to you as the driver. If you sell one car and buy another, you can transfer your NCD to the new vehicle's insurance policy. You cannot use the same NCD on two cars simultaneously.