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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.

Can I transfer my NCD from one vehicle to another?

Yes, you can. This typically happens when you have sold your old vehicle and want to transfer your NCD to your new one. The NCD rate is attached to your name, so you can easily transfer this. However, you cannot transfer your NCD to another person.

If you do not transfer your NCD to another vehicle, your NCD entitlement level will drop one level each year. For example, if your NCD entitlement is 55% this year, it will drop to 45% next year, if it is not transferred. This will continue until the NCD level reaches 0%.

Recent FAQ

Am I still entitled to the reward if my friends and family buy products through your counter directly?

No. You can only receive your reward if your friends and family purchase a Pacific & Orient Insurance Motor product...

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 ...

What is Equipment Insurance?

Our Equipment Insurance pays for the loss or damage to your movable equipment for...