how to transfer ncd to new car

In Malaysia, transferring your No Claim Discount (NCD) to a new car is a pretty straightforward process. First off, you'll need to get in touch with your current insurance company or agent and let them know you're looking to move that NCD over to your new ride. Typically, they'll ask for details from your old car's insurance policy, along with info about the new car—think registration number, engine number, that sort of thing. The insurer will then check your NCD eligibility and issue an NCD confirmation letter. Once you have that, you can hand it over to your new car's insurance provider to score the discount. Important heads-up: There's usually a time limit for NCD transfers. It's a good idea to get this sorted before your old car's policy expires or within the specified period after registering the new one. Miss that window, and you might not get the discount applied. Also, remember that your NCD discount increases the longer you go without making a claim—maxing out at 55%. So keeping a clean driving record really pays off. And if you own multiple cars, here's the thing: your NCD generally only applies to one vehicle. The others will have their own NCD calculated separately. Knowing these little details can help you plan your insurance costs better and make sure you get the best possible deal when you switch cars.