Frequently Asked Questions

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

Document Checklist

I am not at fault and the third party did not lodge a police report, how can I file a claim?

You will have to file an Own Damage claim initially against your own policy as you have not fulfilled the criteria of an ODN claim. The determination of fault is made at our discretion and based on documentary evidence. As such, if you can substantiate your claim with documentary evidence later, we will consider your claim as an ODN claim and allow the NCD.

Otherwise, your NCD will remain forfeited as the claim falls under an Own Damage claim.

Recent FAQ

If I am a safe/good driver without any traffic summons and reported accidents, will my premium be lowered?

Yes. Driving behaviour and driving experience is considered in risk...

How soon can I renew my insurance, and will I benefit from the next NCD level?

You can renew your insurance up to 60 days before it expires, and...

Do I have to pay an excess if my car has been stolen?

Yes, you still do. But you will only need to pay your basic excess...