NCD

• Wen^Chu

  9 Sep 05, 00:17

  Hi pals , any webpage where i can check my NCD points?
• w2k_83

  9 Sep 05, 12:02

  I dun think there's any website to check your NCD... It shld be quite easy to calculate your NCD, judging by the number of yrs of clean record u haf...
• digicharat

  9 Sep 05, 17:48

  then what is consider a clean record?
  tio carpark summon, forgot to put cashcard when passing erp summon still will have clean record?
• nick34

  9 Sep 05, 20:07

  Originally posted by digicharat:

  then what is consider a clean record?
  tio carpark summon, forgot to put cashcard when passing erp summon still will have clean record?

  Clean record for NCD refers to no one claimed your insurance policy (Third party claim) for 5 years
  
  After 5 years of clean record ... you will be granted 10% discount on your insurance premiums on the 6th year and 20% on the 7th till you get 50% d/c ( meaning 10 years of clean record)
• w2k_83

  9 Sep 05, 22:39

  And if u still really can't figure it out after Nick's explanation, juz call up your insurance to ask.. To add on Nick's reply, its not only no one claim your insurance, its also inclusive of u yourself claiming your own insurance to repair your car...
• digicharat

  10 Sep 05, 03:12

  ok understood.
  thanks for the info.
• kmkm

  10 Sep 05, 12:16

  Originally posted by nick34:

  Clean record for NCD refers to no one claimed your insurance policy (Third party claim) for 5 years
  
  After 5 years of clean record ... you will be granted 10% discount on your insurance premiums

  Didn't know it's 5 years, I thought it's 3 years?
• Ponders

  12 Sep 05, 07:26

  for insurance in singapore... does NCD transfer if i change insurance company?
  
  can i accumulate the total years of clean record from different companies?
  
  if i am an authorised insured driver under a main policyholder, does that count in collecting clrean record?
• nick34

  12 Sep 05, 08:22

  Originally posted by kmkm:

  Didn't know it's 5 years, I thought it's 3 years?

  from what i know is 5 years ... for a cfm ans ... do call up your insurance co. like what w2k 83 have mentioned
  
  Cheers
• nick34

  12 Sep 05, 08:25

  Originally posted by Ponders:

  for insurance in singapore... does NCD transfer if i change insurance company?
  
  can i accumulate the total years of clean record from different companies?
  
  if i am an authorised insured driver under a main policyholder, does that count in collecting clrean record?

  You must be the policy holder to start accumulating NCD.
  
  For example your dad is the policy holder and your name is listed in the policy as authorise driver. Your dad will accumulate the NCD but the insurance premium will depend on the youngest driver of the car .... weird ??? thats how the insurance works ...
• w2k_83

  12 Sep 05, 15:41

  Originally posted by Ponders:

  for insurance in singapore... does NCD transfer if i change insurance company?
  
  can i accumulate the total years of clean record from different companies?
  
  

  NCD is transferable...
• w2k_83

  12 Sep 05, 15:42

  Originally posted by nick34:

  You must be the policy holder to start accumulating NCD.
  
  For example your dad is the policy holder and your name is listed in the policy as authorise driver. Your dad will accumulate the NCD but the insurance premium will depend on the youngest driver of the car .... weird ??? thats how the insurance works ...

  Confirm only the policy holder accumulates the NCD ah? Not both? That's something I've been trying to find out for some time haha