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How can safe driving save me even more money?

How can safe driving save me even more money?

If you have not violated any traffic rules for three consecutive years, you are entitled to a Certificate of Merit from the Singapore Traffic Police.

Should your NCD be 30% and above for a private car policy or 20% for a privately owned commercial vehicle policy, some insurers may reward you with a further 5% discount upon presentation of your Certificate of Merit.

For details, please visit the website

[source: General Insurance Association of Singapore]


If I make a claim, automatically lose NCD?

[source: General Insurance Association of Singapore]

If I make a claim, will I automatically lose my NCD?

Not necessarily.

All insurers in Singapore use a guide called the Barometer of Liability Agreement (BOLA) to determine how much each party is liable in an accident.

The BOLA is designed to speed up claims processing. It does not diminish your right to contest liability under the law.

Under the BOLA, your NCD will not be affected if your liability is 20% or less in an accident involving an identified vehicle. In all other cases, your NCD may be affected.

Does my NCD apply to me, or to my vehicle?

In principle, your NCD applies to you and not to your vehicle. For example, if you sell your vehicle and buy another one, you will retain your NCD. However, if you own more than one vehicle, you might have a different NCD for each vehicle. You should check the details with your insurer, but generally:

Your NCD can:
Be transferred to another vehicle you own, but it cannot be applied to more than one vehicle at any point in time. For example, if you have accumulated a 30% NCD while using one vehicle, it does not follow that the same NCD applies to any other vehicle that you own or decide to buy. In other words, you will have to earn the NCD for each vehicle separately.

Your NCD cannot:
Be transferred to another person.


Guide to No Claim Discount Bonus NCD

When your NCD is 50%, you are usually offered the option of purchasing a NCD Protector from the insurer. For the additional premium, you can reduce or stop your NCD bonus from hitting zero.

E.g. If you don't have any NCD Protector, and you get involved in a car accident, your NCD will drop from 50% to 20% for the first claim. The 2nd claim within the year, will cause your NCD to drop from 20% to zero!

Should you purchase NCD Protector, the following scenario will apply.

No. of claims made or arisen during the period of insurance NCD entitlement on renewal of the policy
One 50%
Two 20%
Three or more Zero

The cost of adding a NCD protector is on average $80 to $100, so ask your insurer or agent to add it in if you are eligible.

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