How to Transfer Your NCD to a New Car?

When you purchase a new car, you don’t have to lose your hard-earned no-claim discount. In Malaysia, the NCD is transferable to your new vehicle, as long as you follow the proper procedures. This means you can continue enjoying insurance savings without starting from scratch.

Steps to Transfer Your NCD to a New Car in Malaysia

1. Notify Your Insurance Provider

Inform your current insurance company that you are purchasing a new vehicle and want to transfer your NCD.

2. Provide Required Documents

Submit documents such as your previous insurance policy, renewal receipts, and new vehicle registration details.

3. Get an NCD Certificate

Your insurer will issue an NCD certificate or letter as proof of your entitlement to the discount.

4. Present Certificate to New Insurer

If you change insurers, provide the certificate to your new insurer to apply the discount on your new car policy.

5. Confirm Transfer and Renewal

Ensure the NCD transfer is correctly applied when you renew your new car’s insurance.

What Happens to Your NCD If You Get Involved in an Accident?

Making a claim on your insurance may reduce your NCD. The discount typically decreases based on the insurer’s scale, and repeated claims can eventually reset your NCD to zero. To maintain your NCD, avoid making minor claims or opt for “no-claim protection” if offered.

How Much Can You Save with an NCD Transfer in Malaysia?

By transferring your NCD, you can save up to 55% on your insurance premium—significant savings that can help ease the financial burden of owning a car.

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