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

What is Equipment Insurance?

Our Equipment Insurance pays for the loss or damage to your movable equipment for...

What value should my vehicle be insured at?

You should insure your vehicle based on its current market value when you apply for...

Can I buy a PrOmilej policy without submitting a picture of my odometer?

No. You must submit a photo of your odometer reading via our mobile application or...