Motorists can now claim directly from own insurer without losing NCD
MOTORISTS who are not at fault in accidents can now claim directly from their own insurer without losing their No-Claim Discount (NCD), under Bank Negara Malaysia’s (BNM) revised motor insurance policy.
BNM’s Consumer and Market Conduct Department deputy director Lailatul Akma Mohd Shukor said the “Own Damage Knock-for-Knock” option allows comprehensive policyholders to repair their vehicles through their own insurer instead of waiting for the at-fault driver’s insurer.
The scheme speeds up repairs, removes out-of-pocket costs, and preserves the driver’s NCD. Claims can be made by submitting a police report and required documents, she said in a BFM podcast.
The reforms also shorten claim processing times – by 20 working days for own damage and up to 80 working days for third-party property damage.
BNM also launched Digital Roadside Assistance for authorised towing, workshop access, and online submissions. Unresolved cases can be referred to the Financial Ombudsman Service. — FocusM Aug 30, 2025
