How to Check Your Car Insurance Expiry and NCD Online 2026

Keeping your motor insurance active helps ensure you remain financially protected in an accident and meet the legal requirements for driving in Malaysia. Furthermore, without active insurance, you cannot renew your road tax.

Before you proceed with your car insurance renewal, it is highly recommended that you perform a quick online check. Knowing your exact policy expiry date and verifying your current No Claim Discount (NCD) can help you renew on time and ensure the applicable NCD is reflected in your motor insurance renewal.

PIAM has compiled this guide to help you check your vehicle's insurance status and NCD using established industry platforms.

Why You Must Check Your NCD Before Renewing

The No Claim Discount (NCD) rewards you for safe driving by giving you a discount on your motor insurance premium for maintaining a claim-free record. If no claims are made under your policy during a 12-month period, you earn a discount on your premium for the following year.

Because NCD is tied to you (the policyholder) and not the car, your NCD data is stored in a centralised database managed by Insurance Services Malaysia (ISM). It is important to verify this percentage before you renew insurance motor policies, especially if you have recently transferred ownership of a vehicle or changed insurance companies, to ensure the applicable discount is reflected correctly.

Private Car Insurance NCD Rates in Malaysia

Method 1: How to Check Your NCD via MyCarInfo (Official Industry Database)

To check your NCD entitlement, the most direct and convenient method is through MyCarInfo, the public portal powered by the ISM central database. Every general insurer in Malaysia uses this exact database to underwrite your policy.

Step-by-step Guide:

Visit the MyCarInfo official website at mycarinfo.com.my.

Select the "NCD Enquiry" feature.

Enter your Vehicle Registration Number (License Plate).

Enter your NRIC Number (or Passport/Company Registration number).

Click "Check". The system will display your current NCD percentage, your next NCD effective date, and the current insurer on record.

Pro-Tip: MyCarInfo also provides a free "Vehicle Value Check" tool. We recommend using this to determine the correct Sum Insured for your vehicle to avoid under-insurance or

over-insurance during your car insurance renewal.

Method 2: How to Check Your Car Insurance Expiry via MyJPJ

To check when your policy expires, you can use the official Road Transport Department (JPJ) platforms. The MyJPJ mobile application provides a convenient way to check your digital road tax (eLKM) and motor insurance expiry information in one place.

Step-by-step Guide:

Download and log in to the MyJPJ mobile application.

Navigate to the "Profile" or "My Vehicle" section.

Select your vehicle registration number.

The screen will display your digital road tax (e-LKM) alongside your exact Motor Insurance Expiry Date and the name of your current insurance provider.

Platform Comparison: Where to Check What?

Preparing for Your Car Insurance Renewal

Once you have completed your car insurance check and confirmed your NCD, you are ready to review your renewal options. When navigating the Malaysian car insurance market, it is important to note that motor insurance premiums for comprehensive and third party, fire and theft are subject to the phased liberalisation of motor tariffs. This means insurers use risk-based pricing, and premiums will vary based on your age, location, driving habits and the vehicle model.

Before buying, always check:

Coverage Type: Are you buying Comprehensive, or Third-Party, Fire & Theft?

Special Perils: Does the quote include add-ons for flood, landslide and other natural disasters?

Panel Workshops: Are your insurer’s approved workshops conveniently located near you and has a wide network coverage suitable for your driving needs?

Frequently Asked Questions (FAQ)

What happens to my NCD if I get into an accident?

If you are at fault in an accident and a claim is made against your car insurance, your NCD will reset back to 0% at your next renewal. However, if the accident was caused by a third party, and you make an Own Damage Knock-for-Knock (OD-KFK) claim, your NCD will remain intact, subject to the applicability of and terms and conditions of the OD-KFK framework.

Can I transfer my NCD to a new car?

Yes. NCD is attached to your name, not the vehicle. If you sell your old car and buy a new one, you can legally transfer your accumulated NCD to the new vehicle to lower the premium.

However, you cannot transfer your NCD to another person (e.g., your spouse or child).

Can I renew my road tax if my car insurance has already expired?

No. The JPJ system requires proof of an active insurance policy before a road tax (LKM) can be issued. You must renew your motor insurance first. The data will automatically sync with JPJ's system, allowing you to then renew the road tax via MyEG, the MyJPJ mobile application, or a post office.

Why does MyCarInfo show my NCD is lower than I expected?

If you recently made a claim, or if you recently transferred your NCD to another vehicle, the database would reflect the change. If you believe there is a clerical error, you must contact your current insurance provider directly to rectify the record with ISM. Please also check your current and next NCD level effective dates.