NCD Protector Plus | Motor Insurance SG

Protect and advance your NCD with NCD Protector Plus

Exclusively at DirectAsia
If you are currently at NCD30/40 or has held NCD50 for 5 years, the NCD Protector Plus is exactly what you will need to add-on to your car insurance plan! With the NCD Protector Plus, you will get more than just NCD protection! In fact, you will be able to advance to the next NCD level even with 1 at-fault claim. Now that's what we call happier motoring!

With the optional ‘NCD Protector Plus’ cover
Your current No Claim Discount is up to	Your reduced No Claim Discount is up to
Your current No Claim Discount is up to	1 'at-fault' claim	2 'at-fault' claims	3 or more 'at-fault' claims
60%	60%	20%	0%
50% (5 years)	60%	20%	0%
50% (Less than 5 years)	50%	20%	0%
40%	50%	10%	0%
30%	40%	0%	0%

*If you have selected the optional 'NCD Protector Plus' cover upon sign-up or policy renewal.

Reduction if you don't have our "NCD Protector Plus"

When an accident occurs, your No Claim Discount will be reduced as described in the table below. Please declare the NCD according to your situation:

Without the optional ‘NCD Protector Plus’ cover
Your current No Claim Discount	Your reduced No Claim Discount
Your current No Claim Discount	if you make 1 or more 'at-fault' claim	if you make 2 or more 'at-fault' claims
NCD60	NCD20	NCD0
NCD50	NCD20	NCD0
NCD40	NCD10	NCD0
NCD0 - NCD30	NCD0	NCD0

Please note: NCD30/40/50/60 that is protected under our DirectAsia policy is not transferable to another insurer and also does not necessarily protect you against non-renewal or cancellation of your policy by us.

Frequently Asked Questions

I've been a named driver on someone else's insurance, can I still get a NCD?

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.

Can I protect my No Claim Discount (NCD)?

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.

What is a No Claim Discount (NCD)?

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. Here's more details on NCD and who is eligible.

What is NCD Protector Plus? How does it work?

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.

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