汽车保险 NO CLAIMS DISCOUNT - NCD

最近爱人和歪歪都各自成为车主，过去曾经学过计算车险保费，不过经过几年的时间，所学的知识都忘得光光。

于是，在网络的帮助下，歪歪可以再做复习了解NCD- 没有索赔的的折扣率。

只要没有claim过汽车保险，每一年的保费都会随年下降。最多五年，第五年后的每一年，折扣55%。

以便预算两人在2013年，需要为各自的汽车保费，做多少的准备。

以下资料来自- Kurnia.com                                                                     

1.	What is NCD?
	NCD, short for No Claim Discount, is a discount given to the policyholders upon renewal of their motor insurance if no claim is made or arises from the policy for a continuous coverage of 12 months. The discount given is based on a fixed rate provided by Persatuan Insurans Am Malaysia (PIAM) Motor Tariff.
	NCD For Private Car
	Period of Insurance Discount After the first year of insurance 25% After the second year of insurance 30% After the third year of insurance 38.33% After the fourth year of insurance 45% After five or more years of insurance 55%
新车下地的第二年，折扣25% 。 歪歪的小白-Perodua Viva Elite在明年就可以获得25%汽车保险折扣。（必须没有claim过车险）
2.	Will I have NCD if this is the first time I purchase a vehicle?
	If you are buying a vehicle for the first time, you will not have NCD on your motor policy for the first year on the road. If you have at least one claims free year, then, upon renewal of your motor insurance policy, you will be rewarded with a 25% NCD off your renewal premium.
3.	Can I transfer my NCD from one vehicle to another?
	Yes you can. This typically happens when you have sold your old vehicle and want to transfer your NCD to the vehicle you are purchasing. If you do not transfer your NCD to another vehicle, your NCD entitlement level will drop one level each year. For example, if your NCD entitlement is 55% this year, it will drop to 45% next year, if it is not transferred to another vehicle. This will continue until the NCD level reaches 0%.
NCD是跟车主跑的，所以当车主旧车换车，NCD可以由旧车转移到新车。
4.	How will my NCD be forfeited?
	If any claim is made or arises (with exception to windscreen and No-fault Own Damage claim) on your motor insurance policy during the period of cover, your NCD for that vehicle will be forfeited and reverts to 0%. You will have to begin to accumulate your discount in a new cycle. 只要有claim过车险，NCD就被取消，一切从0开始。例如原本折扣55%，因为claim过车险，下一年的保费不能获得折扣，一切从0%再开始跑过。 这个claim不包括汽车大镜 （你必须另外要求加保windscreen，才能claim）。 至于 No-fault Own Damage claim， 歪歪就不大明白，不是自己的错的话，当然就不用claim自己的保险了吧？ 至于汽车保费计算，通过网络，只要直接把资料输入Insuranceinfo car premium calcutor就可以得到答案了。

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