NCD Protector Plus

Motorcycle Insurance NCD Protector Plus

Protect and advance your NCD with NCD Protector Plus

DirectAsia offers customers with NCD20, NCD25 and NCD30 the opportunity to protect and advance their NCD status through the purchase of NCD Protector Plus at a nominal fee. This way, if you have an at-fault claim, the NCD Protector Plus will allow your NCD to advance to the next level (up to a maximum of NCD30) the following year.
 
With the optional ‘NCD Protector Plus’ cover

Your current
No Claim Discount

Your revised No Claim Discount
if you make
1 'at-fault' claim*
if you make
2 or more 'at-fault' claims
NCD30 NCD30 NCD0
NCD25 NCD30 NCD0
NCD20 NCD25 NCD0


*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 No Claim Discount

if you make
1 or more 'at-fault' claim

NCD30 NCD0
NCD25 NCD0
NCD20 NCD0


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.

Frequently Asked Questions

What is my NCD 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 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), 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 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?

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.



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