Car Insurance

NCD is short for "No Claims Discount". It means that if you don't make any claims on your car insurance for the year, you get a 10% discount off the price of your car insurance premium year on year. You can accumulate this yearly discount for more savings upon renewal, capped at a maximum of 50%.

Read more about NCD:

• 6 things you should know about your NCD

Please look for your NCD entitlement in your renewal notice or query your existing insurer. If in doubt, please select 0%. We'll be validating the NCD after your policy start date and as such, if you’re entitled to NCD, we’ll refund the difference to you. If the premium you have paid changes as a result of providing us with an incorrect NCD, we’ll contact you within 30 days from your policy start date, to advise you of additional payment required, or refund any excess amount paid by you.
 

Yes. We offer an NCD Protector rider at a nominal fee, as an optional cover for policyholders who have 30% NCD or above.

Purchasing this optional cover will protect your NCD for one claim during the Period of Insurance.

If you’re currently enjoying Safe Driver Discount (SDD) under the policy with us, your SDD will also be affected.

If you make more than one claim within the Period of Insurance, then your NCD and any SDD you have may be affected as shown in the following table.

Please note that this NCD reduction rate is only applicable to Singlife policies, as the NCD reduction rate for other insurers may be different.

For Annual Plan policy

For Dual-Year Plan policy

Please refer to your policy documents for more details.

If we can confirm that you’re not at fault for the accident, we will not reduce your NCD. This only applies if the accident in question involves identifiable Singaporean car(s).
 

Insurers use a guide called the Barometer of Liability Agreement, as well as photographs and/or statements taken at the scene of the accident. Police records are also utilised to determine how much each party is liable for in an accident. Depending on the decision, the reimbursement amount and the No Claims Discount for the policyholder may be affected.

Please refer to the tables below.

This NCD reduction rate is only applicable to Singlife policies, as the NCD reduction rate for other insurers may be different.

For Annual Plan Policy
 

For Dual-Year Plan policy

If you’re currently earning 50% NCD and still remain claim-free when your policy is due for renewal, we wi’ll reward you with a Safe Driver Discount (SDD).

¹Assuming you have one claim and the accident falls on the second year of the period of insurance.

Please refer to your policy documents for more details.

NCD is only transferrable to your spouse/child provided your spouse/child is taking the new motor insurance policy with us. In addition, your spouse/child's driving experience must minimally match the NCD level (i.e. minimum five years of driving experience is required to request for 50% NCD transfer). This is a non-reversible, one-time transfer and you’ll have to sign an Undertaking form. Please email us at [email protected] to request for the form.
 

NCD is restricted to one nominated car only.

Please email the NCD letter issued by the previous insurer to [email protected]. We’ll assess the situation and let you know.
 

No. NCD benefits are not transferrable between different vehicle types.

You can keep your NCD for up to 24 months, in the event of a break in ownership of your car.

No. Claims for windscreen damage will not affect the NCD.