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Motorcycle Insurance NCD

 

Get Singapore's highest NCD cover for your motorcycle insurance here at DirectAsia

A No Claim Discount (NCD) is a discount that we offer you on your motorcycle insurance renewal premium if there are no claims on your policy during the current period of cover. 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. If unsure, just speak to our Customer Care specialist at 6665 5555, they will be able to help you out.

If you've had zero 'at-fault'
claims for the last
NCD level Premium discount
one (1) year NCD10 up to 10%
two (2) consecutive years NCD15 up to 15%
three (3) consecutive years NCD20 up to 20%

 

We wish to reward safe riders even more with our latest NCD discounts which are the highest in Singapore and only available at DirectAsia.

If you are currently at NCD20 Your No Claim Discount at DirectAsia is
for one (1) year 25%
for two (2) or more consecutive years 30%

 

It's worth remembering that DirectAsia will advance your protected NCD status with your current insurer if you've had an 'at-fault' claim with NCD Protector Plus - most insurers don't!

Every cent counts, get a quote now to see how much more you can save or call us at 6665 5555!

Transfer of your NCD Cover

Your No Claim Discount is not transferable to any other person. However, your NCD can be transferred from one motorcycle to another. 

For example: You've sold your 10 year old motorcycle and purchased a brand new one. You can transfer your existing NCD from your old motorcycle to the new motorcycle. If you bought a second motorcycle, you can decide which motorcycle will benefit from the NCD cover you've earned on your first motorcycle.

NCD if you have been riding as a named rider on somebody else policy

If you have been a named rider on someone else's insurance, you are not entitled to any NCD.

NCD if you were riding a company motorcycle

If you have been riding a company motorcycle and you then buy a personal motorcycle, you would be allowed to transfer the NCD to your new motorcycle insurance cover. This is provided you can show the number of "claim-free" years you have with a letter from the HR department of your employer or from the leasing company, if the motorcycle is leased.

NCD if you are a foreigner / expatriate coming to live in Singapore

You may be entitled to motorcycle insurance NCD, if you provide us with a letter from your last insurance company stating that

  • you have been insured over the last 12 months
  • the number of "claim-free" years.

Reduction in your No Claim Discount Cover

Where an accident happens, an automatic reduction in your No Claim Discount will apply. 

Your No Claim Discount will be reduced as described in the table below if one or more claims have been made by/against you during the same period of insurance:

Your current No Claim Discount: Your reduced No Claim Discount if you have 1 or more 'at-fault' claims:
30% 0%
25% 0%
20% 0%
15% 0%
10% 0%
0% 0%

 

If you do not report an accident

If you do not report an accident to us within 24 hours or by the next working day and/or do not provide your motorcycle to us for inspection in accordance with the terms of the Motor Claims Framework, we may reduce your No Claim Discount upon renewal of your policy by as follows:

Your current No Claim Discount: Upon renewal (non-reporting):
30% 25%
25% 20%
20% 15%
15% 10%
10% 0%
0% 0%

 

Frequently Asked Questions

What is my NCD cover if I have been riding as a named rider on somebody else's policy?

If you have been a named rider on someone else's motorcycle insurance, you are not entitled to any NCD.

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) cover, when you make up to one claim under your policy and if you renew with us. Only applicable for NCD20, NCD25, NCD30 only.

What is a No Claim Discount (NCD)?

A No Claim Discount is a discount that we offer you on your motorcycle insurance 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. 

What is NCD Protector Plus? How does it work?

DirectAsia offers customers with NCD20, NCD25, and NCD30 the opportunity to protect their NCD status through the purchase of NCD Protector Plus for a nominal fee. This way, if you have a claim - even if you are at fault, the NCD Protector Plus will allow your NCD to advance to the next level (up to a maximum of NCD30) the following year. Most insurers will only allow you to maintain your NCD status when you have an at-fault claim. Find out more about NCD Protector Plus.