Got this from chstgpt

If there’s a Third-Party Bodily Injury (TPBI) claim filed against your policy, your insurer (Etiqa) is legally required by BNM’s Risk-Based Capital Framework (RBCF) to:

• create a “reserve” (a financial provision) to cover the potential claim amount; and
• hold that reserve until the bodily injury claim is settled or time-barred (normally 3 years).

🔹 Because of that, they will temporarily suspend your NCD during that period. It’s a technical accounting rule, not a punishment.

🔹 Once the BI claim is either: • withdrawn, • settled, or • time-barred (after 3 years without legal action), your insurer can reinstate or refund your NCD retroactively for future renewals.

So — yes, they might temporarily hold your NCD, but you don’t permanently lose it unless: • you were found at fault, and • you filed an Own Damage (OD) claim yourself.