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You are here: Skip Navigation LinksHome > Insurance > Services > Claims Center > Claims Frequently Asked Questions
CLAIMS FREQUENTLY ASKED QUESTIONS



Do you have questions on claims?
Well, Kurnia has come up with a comprehensive FAQ section that will help answer some common questions asked by our insured here.


- No Claims Discount
- Excess
- Under Insured
- Betterment
 
- Own Damage Claims
- Kurnia Express
- Theft Claims
- Windscreen Claims



NO CLAIMS DISCOUNT
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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%
 
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%.
 
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.
 
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