No Claim Discount
*If you have selected the optional 'NCD Protector Plus' cover upon sign-up or policy renewal.
if you make
1 or more 'at-fault' claim
Please note: NCD25/ NCD30 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.
If you have been a named rider on someone else's insurance, you are not entitled to any 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 NCD20, NCD25, NCD30 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. Here's more details on NCD and who is eligible.
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.