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

Document Checklist

I am not at fault and the third party did not lodge a police report, how can I file a claim?

You will have to file an Own Damage claim initially against your own policy as you have not fulfilled the criteria of an ODN claim...

What is PrOtravel Insurance?

Our PrOtravel Insurance covers you when travelling overseas for any medical costs, accidents, travel delays and more...

Can I still get the reward if I make my purchase through your call center or front counter?

YES, you will receive the reward if you purchase directly online from our website or through our call center and front counter ...