車型(xing)ncd系數指的(de)(de)是(shi)無賠(pei)款優待(dai)系數，通(tong)常是(shi)根據車險(xian)(xian)(xian)信息平臺所(suo)反饋(kui)的(de)(de)被保險(xian)(xian)(xian)機動(dong)車連(lian)續(xu)三(san)年(nian)的(de)(de)出(chu)險(xian)(xian)(xian)記錄來(lai)確(que)定(ding)車險(xian)(xian)(xian)ncd系數的(de)(de)浮動(dong)范(fan)圍(wei)。而通(tong)過(guo)ncd系數，保險(xian)(xian)(xian)公(gong)司可以有效識別客戶風(feng)險(xian)(xian)(xian)，從(cong)而運(yun)行(xing)風(feng)險(xian)(xian)(xian)管理(li)，而對于車主(zhu)們(men)來(lai)說(shuo)，車險(xian)(xian)(xian)ncd系數則(ze)會在一定(ding)程度上(shang)影響其所(suo)需繳納的(de)(de)車險(xian)(xian)(xian)保費。

比如某保(bao)險(xian)(xian)(xian)公司(si)規定為(wei)(wei)(wei)：若車(che)(che)主(zhu)連(lian)續(xu)三年未(wei)出(chu)險(xian)(xian)(xian)，則(ze)車(che)(che)險(xian)(xian)(xian)ncd系(xi)數(shu)為(wei)(wei)(wei)0.6，連(lian)續(xu)兩年未(wei)出(chu)險(xian)(xian)(xian)，則(ze)ncd系(xi)數(shu)為(wei)(wei)(wei)0.7，若上一年未(wei)出(chu)險(xian)(xian)(xian)，則(ze)ncd系(xi)數(shu)為(wei)(wei)(wei)0.85等(deng)。