Frequently Asked Questions

We help you stay ahead and informed with these helpful answers on protecting yourself, your home, business and more.

Motor Claims – General

What is a No Claim Discount (NCD)?

A NCD is a reward scheme for policyholders who do not make any claims over the duration of the policy for the year. The rate of NCD is dependent on the class of your vehicle. For private cars, the scale of NCD can range from 25% to 55%. For motorcycles and commercial vehicles, it can range from 15% to 25%.

Recent FAQ

What is Marine Cargo Insurance?

Our Marine Cargo Insurance covers the loss or damage to goods shipped by land, sea, or...

What is Credit Shortfall?

Credit Shortfall, also known as Gap Cover, is a stand-alone insurance policy that covers the difference...

How much is my premium for the Passenger’s Driver Plan (PDP) policy?

Your total premium depends on your type of plan, the number of people covered, and...