*If you have held NCD50 for at least the last five (5) consecutive years, you qualify for an additional saving exclusively with DirectAsia. Learn more.
Reduction in your No Claim Discount
No Claim Discount
Transfer of your NCD
If you do not report an accident
If you have been a named driver on someone else's insurance, you are not entitled to any NCD.
But if you have been driving a company car and you then buy a personal car, you would be allowed to transfer the NCD provided you can show the number of claims' free years you have with a letter from the HR department of your employer or from the leasing company.
If you select NCD Protector Plus under our optional benefits then we will protect your No Claim Discount (NCD), when you make up to one claim under your policy and if you renew with us. Only applicable for NCD30, NCD40, NCD50 and NCD60 only.
A No Claim Discount is a discount that we offer you on your renewal premium if there are no claims on your policy during the current period of insurance. You may still be entitled to a No Claim Discount even if you have made a claim, provided you are not liable for the accident and that you have been insured with us for the past 12 months.
NCD Protector Plus is an optional benefit to add on to your Car Insurance.
Only applicable for customers with NCD30/ 40/ 50/ 60, the NCD Protector Plus provides an opportunity for customers to protect or advance their NCD status for a nominal fee.
With NCD Protector Plus, customers can still advance to the next NCD level the following year even with 1 at-fault claim. Most insurers will only allow you to maintain your NCD status when you have an at-fault claim. Read more here.