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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 Burglary Insurance?

Our Burglary Insurance pays for the loss or damage...


What if I cannot afford to pay the excess?

If you are unable to pay the excess, your insurer may refuse your claim or...

What are the additional benefits Total Assist offers for Cars?

With Total Assist, you are also entitled to the following benefits...