What is NCD?

NCD is short for "No Claims Discount". It means that if you don't make any claims on your car insurance for the year, you get a 10% discount off the price of your car insurance premium year on year. You can accumulate this yearly discount for more savings upon renewal, capped at a maximum of 50%.

Read more about NCD:

What do I enter for my current NCD entitlement when I request for a quote?

Please look for your NCD entitlement in your renewal notice or query your existing insurer. If in doubt, please select 0%. We'll be validating the NCD after your policy start date and as such, if you’re entitled to NCD, we’ll refund the difference to you. If the premium you have paid changes as a result of providing us with an incorrect NCD, we’ll contact you within 30 days from your policy start date, to advise you of additional payment required, or refund any excess amount paid by you.
 

Do you have NCD Protection coverage?

Yes. We offer an NCD Protector rider at a nominal fee, as an optional cover for policyholders who have 30% NCD or above.

Purchasing this optional cover will protect your NCD for one claim during the Period of Insurance.

If you’re currently enjoying Safe Driver Discount (SDD) under the policy with us, your SDD will also be affected.

If you make more than one claim within the Period of Insurance, then your NCD and any SDD you have may be affected as shown in the following table.

Please note that this NCD reduction rate is only applicable to Singlife policies, as the NCD reduction rate for other insurers may be different.

For Annual Plan policy

Current No Claims Discount with us No Claims Discount with us upon renewal
  Motor Lite plan Motor Standard and Motor Prestige plan
After one claim After two claims After one claim After two claims
30% 30% 0% 30%
20%
40% 40%
10% 40%
30%
50% 50% 20% 50%
40%
50% with SDD 50% 20% 50%
40%


For Dual-Year Plan policy

Current No Claims Discount with us No Claims Discount with us upon renewal
  Motor Lite plan Motor Standard and Motor Prestige plan
After one claim After two claims After one claim After two claims
30% 40%
10%
40%
30%
40% 50% 20% 50%
40%
50%
50%
20% 50%
50%
50% with SDD 50%
20%
50%
50%


Please refer to your policy documents for more details.

Will I lose my NCD if the accident is not caused by me?

If we can confirm that you’re not at fault for the accident, we will not reduce your NCD. This only applies if the accident in question involves identifiable Singaporean car(s).
 

How do I know if I'm at fault or not at fault in an accident?

Insurers use a guide called the Barometer of Liability Agreement, as well as photographs and/or statements taken at the scene of the accident. Police records are also utilised to determine how much each party is liable for in an accident. Depending on the decision, the reimbursement amount and the No Claims Discount for the policyholder may be affected.

I did not purchase any NCD protector. What will happen to my 50% NCD and Safe Driver Discount if I make a claim for which I am at fault?

Please refer to the tables below.

This NCD reduction rate is only applicable to Singlife policies, as the NCD reduction rate for other insurers may be different.

For Annual Plan Policy
 

Current No Claims Discount with us No Claims Discount with us upon renewal
  Motor Lite plan Motor Standard and Motor Prestige plan
After zero claim After one claim
After zero claim After one claim
0% 10% 0% 10%
0%
10% 20% 0% 20%
0%
20% 30% 0% 30%
10%
30% 40% 0% 40%
20%
40% 50%
10% 50%
30%
50% 50% with SDD 20% 50% with SDD
40%
50% with SDD 50% with SDD 20% 50% with SDD
40%

 

For Dual-Year Plan policy

Current No Claims Discount with us No Claims Discount with us upon renewal
  Motor Lite plan Motor Standard and Motor Prestige plan
After zero claim After one claim1
After zero claim1 After one claim1
0% 20% 0% 20% 0%1
10% 30% 0%
30%
10%
20% 40% 0%
40%
20%
30% 50% 10%
50%
30%
40% 50% with SDD 20%
50% with SDD
40%
50% 50% with SDD 20%
50% with SDD
40%
50% with SDD 50% with SDD 20%
50% with SDD
40%

If you’re currently earning 50% NCD and still remain claim-free when your policy is due for renewal, we wi’ll reward you with a Safe Driver Discount (SDD).

1Assuming you have one claim and the accident falls on the second year of the period of insurance.

Please refer to your policy documents for more details.

Is NCD transferrable to another person or driver?

NCD is only transferrable to your spouse/child provided your spouse/child is taking the new motor insurance policy with us. In addition, your spouse/child's driving experience must minimally match the NCD level (i.e. minimum five years of driving experience is required to request for 50% NCD transfer). This is a non-reversible, one-time transfer and you’ll have to sign an Undertaking form. Please email us at personal_insurance@singlife.com to request for the form.
 

Can my NCD be extended to cover more than one car?

NCD is restricted to one nominated car only.

If my NCD has been earned in another country, is it still acceptable?

Please email the NCD letter issued by the previous insurer to personal_insurance@singlife.com. We’ll assess the situation and let you know.
 

Can I use my NCD from my motorcycle insurance for my car insurance?

No. NCD benefits are not transferrable between different vehicle types.

Will I lose my NCD if there is a break in ownership of my car?

You can keep your NCD for up to 24 months, in the event of a break in ownership of your car.

Will my windscreen claims affect the NCD?

No. Claims for windscreen damage will not affect the NCD.

This webpage is published for information only and Singapore Life Ltd. accepts no liability whatsoever with respect to its use or its contents. 

The information contained here is accurate as at 16 Aug 2022.