NCD Calculator & Claim Impact
Your No-Claim Discount is money — up to 55% off your premium. Check your next-year NCD, then see the 5-year price of making that claim before you decide who pays for the scrape.
Your NCD now
55%
NCD next renewal
55%
Premium next renewal
RM 540.00
vs RM 540.00 today
What this claim costs over 5 years
RM 1,640.04
The NCD you would have earned, lost. If the repair bill is smaller than this number, paying it yourself is usually the cheaper route — compare before you call the insurer.
5-year premium path
| Renewal | NCD (no claim) | Premium | NCD (after 1 claim) | Premium |
|---|---|---|---|---|
| Next renewal | 55% | RM 540.00 | 0% | RM 1,200.00 |
| +1 yr | 55% | RM 540.00 | 25% | RM 900.00 |
| +2 yr | 55% | RM 540.00 | 30% | RM 840.00 |
| +3 yr | 55% | RM 540.00 | 38.33% | RM 740.04 |
| +4 yr | 55% | RM 540.00 | 45% | RM 660.00 |
Assumes the premium base itself stays unchanged (real premiums track the sum insured, which falls every year — the NCD difference is what this tool isolates).
The NCD ladder (comprehensive, private car)
<1 yr
0%
1 yr
25%
2 yr
30%
3 yr
38.33%
4 yr
45%
5 yr
55%
One claim typically resets your NCD to 0% at the next renewal (some insurers step it down instead of resetting — confirm with yours). Two claims: same story, then it affects your loading.
Good to know
- The ladder for private-car comprehensive cover: 0% → 25% → 30% → 38.33% → 45% → 55% after five claim-free years. The tool tracks your position automatically.
- One claim typically resets the NCD to 0% at the next renewal. Some insurers step it down instead — confirm with yours.
- The 5-year projection isolates the NCD effect only; real premiums also fall as the sum insured drops each year.
- Decision rule: if the repair bill is less than the 5-year NCD loss shown here, paying out of pocket is usually cheaper.