The No Claim Discount (NCD) Protector is an extension of your motor car insurance policy. It protects your NCD status – it allows you to make a claim under your policy without losing your NCD (%) status.

This benefit is only available to you if your NCD is 50%. (Some insurers allow their clients to add on this benefit if their NCD is 40% and above.)

The table below shows how the NCD Protector affects your NCD (%) if you have made claims within the policy period:

For example, if you have an NCD of 50% and have made one claim, your NCD will drop to 20%. The NCD protector will allow you to maintain your NCD at 50% upon your next motor insurance renewal.

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Do you know that your motor insurance also provides you with personal accident benefits? The insurer will pay you a lump sum of money for accidental death or bodily injuries if the accident is in direct connection with your vehicle or while traveling in or mounting/dismounting from your private motor car.

Generally the compensation amount is as follows although it may vary with different insurers:

a) “Death” – S$20,000
b) “Total and irrecoverable loss of sight in both eyes” – S$20,000
c) “Total loss by physical severance at or above the wrist or ankle of both hands or both feet or one hand together with one foot” – S$20,000
d) “Total loss by physical severance at or above the wrist or ankle of one hand or one foot together with the total and irrecoverable loss of all sight in one eye” – S$20,000
e) “Total and irrecoverable loss of all sight in one eye” – S$10,000
f) “Total loss by physical severance at or above the wrist or ankle of one hand or one foot” – S$10,000

Note that you’ll be compensated under only ONE of the above categories. The claim is usually limited to ONE accident during the (one-year) period of insurance you have with your insurer.

On top of the above coverage, passengers of your vehicle are also covered up to half of the amount for each category stated above.

As with all other insurance coverage, the insurer will not pay under certain circumstances. These include intentional, self-inflicted injury, suicide (even attempted suicide), physical (or mental) defect/infirmity, and drunk driving or driving under the influence of drugs.

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Most (if not all) auto insurers in Singapore issue a renewal notice to car owners. It’s not a legal requirement to do so, but it’s beneficial for vehicle owners. Renewal notices act as reminders that the policy is about to expire. They are usually sent one month before your policy expires.

A renewal notice contains basic information about your motor car insurance policy such as:

- Name of Insured
- Expiry Date
- Renewal Premium
- Vehicle Details
- Permitted Use & Exclusions/Restrictions that May Apply

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