Use this free tool to instantly check your motor insurance No-Claim Discount (NCD) in Malaysia — for both cars and motorcycles. Just enter your details below to see your current NCD entitlement, retrieved from the central insurance database. Your NCD can be worth up to 55% off your premium, so it pays to know exactly where you stand before you renew.
NOTE: In the event that your NCD amount has been withdrawn and/or cancelled by the insurer or takaful operator, it will not be reflected in the results. If this is the case, please refer to your respective insurer or takaful operator for further details on your eligible NCD.
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What is NCD (No-Claim Discount)?
NCD stands for No-Claim Discount — also known as the No-Claim Bonus (NCB). It is a discount applied to your motor insurance premium that rewards you for not making a claim. The longer you go without claiming, the bigger the discount, all the way up to 55% off for a private car in Malaysia.
The most important thing to understand is that your NCD is tied to you, the policyholder — not to the car. That means it follows you when you change vehicles or switch insurers, so the discount you have built up is yours to keep. It is applied to the base premium of a comprehensive or third-party, fire & theft policy.
NCD rates in Malaysia
The NCD scale is standardised across insurers and takaful operators. Here is how it builds up by the number of consecutive claim-free years:
| Consecutive claim-free years |
Private car NCD |
Motorcycle NCD |
| 1 year | 25% | 15% |
| 2 years | 30% | 20% |
| 3 years | 38.33% | 25% (max) |
| 4 years | 45% | 25% |
| 5+ years | 55% (max) | 25% |
How your NCD is calculated — and where it's stored
You earn one step up the scale for every full year you hold a policy without making an at-fault claim. Your entitlement is recorded centrally by Insurance Services Malaysia (ISM) through the MyCarInfo system, which is the same database this checker queries — so the figure is consistent no matter which insurer you renew with.
The flip side: making an at-fault claim resets your NCD, and you start building it up again from zero at your next renewal. A claim where another party is entirely at fault (and your insurer recovers the cost) generally does not affect your NCD, but it is always worth confirming with your insurer.
Why check your NCD before you renew?
Knowing your exact NCD before renewal means you can confirm you're getting the full discount you're entitled to, catch any errors early, and budget accurately — especially if you've switched insurers or vehicles and want to make sure your discount carried over. When you're ready, you can renew your car insurance and road tax online and use promo code PAULTAN for 10% off; your NCD is retrieved and applied automatically in the quote.
Frequently asked questions
Is NCD the same as NCB? Yes — No-Claim Discount (NCD) and No-Claim Bonus (NCB) are two names for the same thing.
How many years for 55% NCD? Five consecutive claim-free years for a private car. Motorcycles top out at 25% after three years.
Does my NCD transfer if I change insurer or car? Yes. NCD belongs to you, not the vehicle, and it is recorded centrally by ISM, so it applies wherever you renew.
What happens to my NCD if I claim? An at-fault claim resets it to zero at your next renewal. A fully not-at-fault claim usually does not.
How do I check my NCD? Use the free checker at the top of this page — select car or motorcycle, enter your plate number and the owner's NRIC, and your current NCD is returned instantly.
