Frequently Asked Questions

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

Motor Claims – General

What is a No Claim Discount (NCD)?

A NCD is a reward scheme for policyholders who do not make any claims over the duration of the policy for the year. The rate of NCD is dependent on the class of your vehicle. For private cars, the scale of NCD can range from 25% to 55%. For motorcycles and commercial vehicles, it can range from 15% to 25%.

Recent FAQ

When was the implementation of the Liberalisation of Motor Tariffs?

First introduced on 1^st July 2016, insurers and takaful operators were given the flexibility to offer new motor products...

Motor Claims – General

If I add a Private Hire Car endorsement to my Private Car policy, am I entitled to a refund if I cancel this endorsement?

You are entitled to a refund of the premium upon cancellation of your Private Hire Car endorsement on...

What is the premium to be saved compared to a traditional P&O Private Car Comprehensive Policy?

You will save between 10% to 40% on your basic premium (inclusive of the premium for the optional...