Frequently Asked Questions

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

Will I have an NCD if this is the first time I am purchasing a vehicle?

If you are buying a vehicle for the first time, you will not have NCD on your motor policy for the first year on the road. If you have at least one claims free year, then, upon renewal of your motor insurance policy, you will be rewarded with a 25% NCD off your renewal premium.

Recent FAQ

Can I get multiple rewards from the same person?

Yes, they use your unique referral link to purchase Pacific & Orient insurance for multiple vehicles, you can...

Motor Claims – General

How would my NCD be affected if I make a claim?

If you make an Own Damage claim, Windscreen claim, Theft claim or a third party has made a claim against your policy...

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...