See your discount and final premium

Car insurance NCD calculator

Calculate your car insurance No Claim Discount (NCD) and net premium using Malaysia's standard PIAM discount scale.

Formula

net premium = basic premium × (1 − NCD%), where NCD% follows PIAM's standard scale: 25% / 30% / 38.33% / 45% / 55% for 1 to 5+ claim-free years

Assumptions

• Applies to the standard private car NCD scale — motorcycles and commercial vehicles follow different scales.
• NCD is applied to the basic premium only, before optional add-on covers, government tax, and stamp duty.
• A claim during the year typically resets your NCD to 0% (some insurers offer an optional NCD-protection add-on) — not modeled here.
• This calculator applies NCD to a basic premium you already have — it does not estimate what that basic premium should be.

Frequently asked questions

What happens to my NCD if I make a claim?
Making a claim typically resets your NCD to 0% at your next renewal, wiping out years of accumulated discount — some insurers offer an optional NCD-protection add-on that preserves your rate after a first claim.

Does my NCD transfer if I switch cars or insurers?
Yes — NCD is tied to you as the policyholder, not the vehicle or insurer, since PIAM's scale is standardized across all licensed companies. You can transfer it when you buy a new car or switch insurers.

Does this apply to motorcycle insurance?
No — motorcycles follow a separate NCD scale with different percentages; this calculator is for private cars only.

Sources

• PIAM — No Claim Discount scale