{"id":31364,"date":"2023-09-21T08:20:49","date_gmt":"2023-09-21T00:20:49","guid":{"rendered":"https:\/\/carsome.my\/news\/item\/car-ncd-transfer"},"modified":"2024-07-15T11:29:15","modified_gmt":"2024-07-15T03:29:15","slug":"car-ncd-transfer","status":"publish","type":"post","link":"https:\/\/www.carsome.my\/news\/item\/car-ncd-transfer","title":{"rendered":"How to Transfer Your NCD &#038; Carry Your Insurance Savings Over to Your Next Car"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">For most of us, owning a car is not cheap. With the monthly loan installments, maintenance costs, road tax, and insurance, it\u2019s easy to see how quickly the cost of owning a car can climb. Fortunately, the <\/span><a href=\"https:\/\/www.carsome.my\/news\/item\/car-ncd-transfer\"><span style=\"font-weight: 400;\">no-claim discount (NCD)<\/span><\/a><span style=\"font-weight: 400;\">, which is available to all car owners in Malaysia can help you save on your yearly car insurance premium. What\u2019s more, you can even transfer your NCD whenever you buy a new car, ensuring that you retain those savings.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So what exactly <\/span><span style=\"font-weight: 400;\">is the meaning of NCD<\/span><span style=\"font-weight: 400;\"> and how do you transfer a car NCD in Malaysia? We\u2019ll discuss it further below.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"601\"><strong>Table of Contents<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"601\">\n<ul>\n<li><a href=\"#a\">What Is a No-Claim Discount (NCD)?<\/a><\/li>\n<li><a href=\"#b\">How to Calculate Your Car Insurance NCD Rate?<\/a>\n<ul>\n<li><a href=\"#c\">How to Check Your Car Insurance NCD Online<\/a><\/li>\n<\/ul>\n<\/li>\n<li><a href=\"#d\">How to Transfer Your NCD to a New Car?<\/a>\n<ul>\n<li><a href=\"#e\">Steps to Transfer Your NCD to a New Car in Malaysia<\/a><\/li>\n<\/ul>\n<\/li>\n<li><a href=\"#f\">What Happens to Your NCD If You Get Involved in an Accident?<\/a><\/li>\n<li><a href=\"#g\">How Much Can You Save with an NCD Transfer in Malaysia?<\/a><\/li>\n<li><a href=\"#h\">Other Things to Know About Your Car Insurance NCD<\/a><\/li>\n<li><a href=\"#i\">Choose CARSOME for a Trusted Place to Get a Car &amp; Insurance<\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><a name=\"a\"><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">What Is a No Claim Discount (NCD)?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A car insurance NCD or no-claim discount or no-claim bonus, is a form of discount that is offered by insurance providers to you (the vehicle owner) if you haven\u2019t made any claims against <\/span><a href=\"https:\/\/www.carsome.my\/news\/item\/car-insurance-in-malaysia\"><span style=\"font-weight: 400;\">your motor insurance policy<\/span><\/a><span style=\"font-weight: 400;\"> in the past year.<\/span><span style=\"font-weight: 400;\"> NCD is applied every time you renew your motor insurance, so the longer you go without claiming against your motor insurance, the more you save on your premium. This acts as an incentive to encourage <\/span><a href=\"https:\/\/www.carsome.my\/news\/item\/defensive-driving-tips\"><span style=\"font-weight: 400;\">safe driving<\/span><\/a><span style=\"font-weight: 400;\"> and indirectly helps to reduce the number of <\/span><a href=\"https:\/\/www.carsome.my\/news\/item\/8-common-causes-of-car-accidents-in-malaysia\"><span style=\"font-weight: 400;\">road accidents<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In Malaysia, you can enjoy a maximum discount of up to 55 percent on your car insurance with NCD if you don\u2019t claim against your insurance for six consecutive years and above. Here\u2019s how your NCD can be preserved and carried forward to the next year:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No claims have been made in the 12 months prior to the date of renewal of your motor insurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No accident claims have been made against your insurance policy by a third party in the past 12 months.<\/span><\/li>\n<\/ul>\n<p><a name=\"b\"><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">How to Calculate Your Car Insurance NCD Rate?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The NCD rate is set by Persatuan Insurans Am Malaysia (PIAM) and varies according to the type of vehicle. The different NCD categories in Malaysia are private cars, motorcycles, and commercial vehicles. The maximum discount obtainable is capped at 55 percent for cars and 25 percent for both motorcycles and commercial vehicles. Below are the <\/span><span style=\"font-weight: 400;\">NCD percentage rates<\/span><span style=\"font-weight: 400;\"> for the different vehicle types.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>No Claim Period\u00a0<\/b><\/td>\n<td><b>Private Car NCD (%)<\/b><\/td>\n<td><b>Motorcycle NCD (%)<\/b><\/td>\n<td><b>Commercial Vehicle NCD (%)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1st Year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2nd Year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">25<\/span><\/td>\n<td><span style=\"font-weight: 400;\">15<\/span><\/td>\n<td><span style=\"font-weight: 400;\">15<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3rd Year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">30<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4th Year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">38.33<\/span><\/td>\n<td><span style=\"font-weight: 400;\">25<\/span><\/td>\n<td><span style=\"font-weight: 400;\">25<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5th Year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">45<\/span><\/td>\n<td><span style=\"font-weight: 400;\">25<\/span><\/td>\n<td><span style=\"font-weight: 400;\">25<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6 Year Onwards<\/span><\/td>\n<td><span style=\"font-weight: 400;\">55<\/span><\/td>\n<td><span style=\"font-weight: 400;\">25<\/span><\/td>\n<td><span style=\"font-weight: 400;\">25<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">To calculate your NCD rate, you must be aware of if and when you have made a claim against your car\u2019s insurance.<\/span><span style=\"font-weight: 400;\"> When you renew your private car insurance in the second year, you\u2019ll obtain a 25 percent discount on your premium if you haven\u2019t made any claim against your insurance policy in the past 12 months.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the sixth year, which is after five years of not making any insurance claim, you\u2019ll obtain the maximum <\/span><span style=\"font-weight: 400;\">NCD insurance discount<\/span><span style=\"font-weight: 400;\"> rate of 55 percent. You can enjoy this discount for the rest of your life, as long as there are no claims against your policy.<\/span><br \/>\n<a name=\"c\"><\/a><\/p>\n<h3><span style=\"font-weight: 400;\">How to Check Your Car Insurance NCD Online<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you\u2019re not sure how much NCD you have accumulated on your car insurance, you can do an NCD online inquiry. This service is available on several platforms such as on some car insurance providers and database websites.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some websites you can visit to check your NCD online are <\/span><a href=\"https:\/\/www.mycarinfo.com.my\/ncdcheck\/online\"><span style=\"font-weight: 400;\">mycarinfo.com.my<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.fincrew.my\/en\/ncd-checker.html\"><span style=\"font-weight: 400;\">fincrew.my<\/span><\/a><span style=\"font-weight: 400;\">. To check your NCD, simply input the car plate number and car owner&#8217;s passport or MyKad number into the required fields and submit it. The system will then provide you with your current NCD percentage, your current and next NCD effective date, and your current insurance policy cover period.<\/span><\/p>\n<h2><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-35547\" src=\"https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/MyCarInfo-NCD-Check.png\" alt=\"Result of a car insurance NCD online check\/inquiry\" width=\"885\" height=\"461\" srcset=\"https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/MyCarInfo-NCD-Check.png 885w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/MyCarInfo-NCD-Check-300x156.png 300w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/MyCarInfo-NCD-Check-768x400.png 768w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/MyCarInfo-NCD-Check-150x78.png 150w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/MyCarInfo-NCD-Check-696x363.png 696w\" sizes=\"(max-width: 885px) 100vw, 885px\" \/><\/h2>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Example of an online car NCD inquiry from mycarinfo.com.my<\/span><\/p>\n<p><b>Read More:<\/b> <a href=\"https:\/\/www.carsome.my\/news\/item\/right-car-insurance\"><span style=\"font-weight: 400;\">Tips To Find The Right Car Insurance For You<\/span><\/a><br \/>\n<a name=\"d\"><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">How to Transfer Your NCD to a New Car?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You can transfer your NCD to another car to continue enjoying a discount on your insurance premium. However, there are two conditions you need to fulfill before doing so.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Both vehicles must belong to the same owner:<\/b><span style=\"font-weight: 400;\"> Both the old and new cars must be registered to your name and identity card. That means if you\u2019re buying a car or taking over a car from a family member, you have to change the car&#8217;s ownership at the Road Transport Department <\/span><span style=\"font-weight: 400;\">(Jabatan Pengangkutan Jalan\/JPJ)<\/span><span style=\"font-weight: 400;\"> before transferring your NCD.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Both vehicles must be of the same type:<\/b><span style=\"font-weight: 400;\"> You can only transfer NCD between vehicles of the same type, meaning from a private car to another car or from a motorcycle to another motorcycle. This is because the NCD rate varies between different vehicle types.<\/span><\/li>\n<\/ul>\n<p><a name=\"e\"><\/a><\/p>\n<h3><span style=\"font-weight: 400;\">Steps to Transfer Your NCD to a New Car in Malaysia<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Transferring your NCD to another car is actually an easy process. <\/span><span style=\"font-weight: 400;\">You first have to remove the NCD from your old car, also called an \u2018NCD withdrawal\u2019, and add it to your new car.<\/span><span style=\"font-weight: 400;\"> Here are the steps you have to follow to do it.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prepare the necessary documents including a copy of your MyKad and bank details.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Go to your old car\u2019s insurance provider&#8217;s nearest branch and fill out the form to transfer your NCD.<\/span><span style=\"font-weight: 400;\"> You\u2019ll receive a copy of the form once your application has been approved.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you have a remaining balance on your premium, you\u2019ll have to pay it before renewing your new car\u2019s insurance. You can usually make payments in cash or online.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Next, you just need to renew the insurance for your new car and provide the necessary documents including the copy of the NCD transfer form mentioned in step 2.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If your insurance has expired, you can renew the insurance for your current\/old car and reset its NCD to 0 percent. Then, present your old car\u2019s vehicle ownership certificate (VOC). Make sure it\u2019s the latest VOC which should display the highest NCD rate you have when renewing the insurance for your new car to transfer the NCD.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Don\u2019t forget to double-check your new NCD rate and make sure all your information is accurately updated.<\/span><\/li>\n<\/ol>\n<h2><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28308\" style=\"color: #222222; font-family: Verdana, BlinkMacSystemFont, -apple-system, 'segoe ui', Roboto, Oxygen, Ubuntu, Cantarell, 'open sans', 'helvetica neue', sans-serif; font-size: 15px;\" src=\"https:\/\/carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot_41-1.png\" alt=\"Car insurance\" width=\"932\" height=\"620\" srcset=\"https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot_41-1.png 932w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot_41-1-300x200.png 300w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot_41-1-768x511.png 768w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot_41-1-150x100.png 150w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot_41-1-696x463.png 696w\" sizes=\"(max-width: 932px) 100vw, 932px\" \/><\/h2>\n<p><b>Read More: <\/b><a href=\"https:\/\/www.carsome.my\/news\/item\/carsome-warranty-claim\"><span style=\"font-weight: 400;\">How to Claim Your 1-Year CARSOME Extended Warranty<\/span><\/a><\/p>\n<p><a name=\"f\"><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">What Happens to Your NCD If You Get Involved in an Accident?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you get into an accident and are at fault, you will get your NCD reset to 0 percent when you make a claim against your policy. However, getting involved in an accident won\u2019t necessarily reset your NCD as it depends on who is at fault and how the accident claims are settled.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are some situations where being in an accident won\u2019t affect your current NCD.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>When you or the third party involved chooses to cover the repair costs on your own<\/b><span style=\"font-weight: 400;\"> without claiming against your policy. This usually happens when the accident is minor and the repair cost is small. However, you can also choose to pay for the repairs out of pocket if the cost is lower than the savings you enjoy from your NCD. This is an option some drivers take especially if their basic insurance premium is high.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>If you\u2019re involved in an accident and are not at fault<\/b><span style=\"font-weight: 400;\">. Once the police confirm that you\u2019re innocent after you make your police report, you can file a No-Fault Own Damage claim (NFOC) against the insurance provider of the third party involved.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>If you have additional coverage<\/b><span style=\"font-weight: 400;\"> such as a windscreen cover, you can claim for a windscreen repair without it affecting your NCD. You can also get a <\/span><a href=\"https:\/\/www.carsome.my\/news\/item\/car-insurance-in-malaysia\"><span style=\"font-weight: 400;\">special perils coverage<\/span><\/a><span style=\"font-weight: 400;\"> which covers damage from floods, landslides, and other natural disasters.<\/span><\/li>\n<\/ul>\n<p><a name=\"g\"><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">How Much Can You Save with an NCD Transfer in Malaysia?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The amount you can save by doing a car insurance NCD transfer depends on the value and insurance premiums of your cars. If you transfer the NCD from a lower-valued car to a higher-valued car, such as from a <\/span><a href=\"https:\/\/www.carsome.my\/buy-car\/perodua\/myvi\"><span style=\"font-weight: 400;\">Perodua Myvi<\/span><\/a><span style=\"font-weight: 400;\"> to a <\/span><a href=\"https:\/\/www.carsome.my\/buy-car\/honda\/civic\"><span style=\"font-weight: 400;\">Honda Civic<\/span><\/a><span style=\"font-weight: 400;\">, you\u2019ll be able to save a good amount of money on your insurance premiums. <\/span><span style=\"font-weight: 400;\">To know how much you can save on your car insurance, here\u2019s a simple calculation of how an NCD transfer will affect your insurance premiums.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Without Transferring Your NCD<\/b><\/td>\n<td><b>With Transferring Your NCD<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Insurance premium of your old car (Perodua Myvi): RM800<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Insurance premium of your new car (Honda Civic): RM4,000<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Perodua Myvi: RM360 (RM800 &#8211; 55% NCD)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Honda City: RM4,000 (0%)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Perodua Myvi: RM800 (0%)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Honda City: RM1,800 (RM4,000 &#8211; 55% NCD)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Total premium: RM4,360<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Total premium: RM2,600<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Based on the table above, you can save RM1,760 if you transfer the NCD from a Perodua Myvi to a Honda Civic. So, the next time you buy a car, make sure to transfer your NCD so you can enjoy better savings on your insurance premium.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28299\" src=\"https:\/\/carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot_42-1.png\" alt=\"car steering wheel\" width=\"935\" height=\"623\" srcset=\"https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot_42-1.png 935w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot_42-1-300x200.png 300w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot_42-1-768x512.png 768w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot_42-1-150x100.png 150w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot_42-1-696x464.png 696w\" sizes=\"(max-width: 935px) 100vw, 935px\" \/><br \/>\n<a name=\"h\"><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">Other Things to Know About Your Car Insurance NCD<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you still have doubts about transferring your car NCD in Malaysia, here are the answers to some common NCD-related questions<\/span><\/p>\n<ol>\n<li><b> Can I transfer the NCD from my car to my motorcycle?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">No, you can\u2019t transfer the NCD from one vehicle type to another.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Can I transfer my NCD online?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">While you can\u2019t transfer your NCD to another car via an online platform, you can get a trusted insurance agent to help you with the process. However, if you have the time, it\u2019s probably easier and more straightforward to do it in person.<\/span><\/p>\n<ol start=\"3\">\n<li><b> How much NCD do I have if I\u2019m buying a car for the first time?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">If you\u2019re a first-time car buyer, you wouldn\u2019t have any NCD to your name. Therefore, your NCD rate will be 0 percent and will accumulate until you reach the maximum NCD of 55 percent, provided that you have not claimed against your insurance policy.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Does my NCD expire? How long does it last?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Your NCD won\u2019t expire if you renew your motor insurance every year and don\u2019t claim against your policy. However, if you skip renewing your motor insurance the next year, your NCD rate will drop one tier and continue dropping for every year that you skip your insurance renewal.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, if you have a 55 percent NCD and skip renewing it next year, then the NCD will drop to 45 percent. If you don\u2019t renew your motor insurance, your NCD will continue to decrease until it eventually reaches 0 percent after about five years.\u00a0<\/span><\/p>\n<p><b>Read More:<\/b> <a href=\"https:\/\/www.carsome.my\/news\/item\/what-to-do-in-a-car-accident\"><span style=\"font-weight: 400;\">What to Do in a Car Accident<\/span><\/a><\/p>\n<p><a name=\"i\"><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">Choose CARSOME for a Trusted Place to Get a Car &amp; Insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">We hope this article on <\/span><a href=\"https:\/\/www.carsome.my\/news\/item\/car-ncd-transfer\"><span style=\"font-weight: 400;\">how to transfer your NCD<\/span><\/a><span style=\"font-weight: 400;\"> can help you when you get a new car in the future. If you\u2019re looking for an affordable, quality pre-owned car, check out <\/span><a href=\"https:\/\/www.carsome.my\/buy-car\"><span style=\"font-weight: 400;\">CARSOME<\/span><\/a><span style=\"font-weight: 400;\">. We put all CARSOME cars through a stringent 175-point inspection to ensure they\u2019re free of major accident, fire, and flood damage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Each car also comes with a one-year warranty and a five-day money-back guarantee. <\/span><span style=\"font-weight: 400;\">You can even <\/span><a href=\"https:\/\/www.carsome.my\/car-insurance\"><span style=\"font-weight: 400;\">renew your car insurance with CARSOME<\/span><\/a><span style=\"font-weight: 400;\"> and compare competitive rates from Malaysia\u2019s top insurance providers before you decide on the right policy for your car.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Visit <\/span><a href=\"https:\/\/www.carsome.my\/buy-car\"><span style=\"font-weight: 400;\">CARSOME<\/span><\/a><span style=\"font-weight: 400;\"> to find your dream car today or <\/span><a href=\"https:\/\/news.carsome.com\/mobile-app-download\"><span style=\"font-weight: 400;\">download our app<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">This content was originally published on 30\/8\/2022. It has been updated for freshness, accuracy, and comprehensiveness.<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let\u2019s look at what an NCD is, how it affects your motor insurance premium, and how to transfer your NCD to another car.<\/p>\n","protected":false},"author":39,"featured_media":28298,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[117,199],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Transfer Your Car NCD in Malaysia &amp; Save Money<\/title>\n<meta name=\"description\" content=\"Learn about the no-claim discount (NCD) in Malaysia including the meaning of NCD, how to calculate, transfer your NCD, check your NCD online, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.carsome.my\/news\/item\/car-ncd-transfer\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Don\u2019t Pay Extra for Car Insurance: Here\u2019s How to Transfer Your NCD\" \/>\n<meta property=\"og:description\" content=\"The more NCD (no-claim discount) you have, the more you save on your car insurance. 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