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

Can I change my chosen mileage cover range?

Once cover has started, you can top up to the next level of mileage...

Can I change my bank account details?

Yes, you can. Submit the relevant form with the required supporting documents...

Can I get multiple rewards from the same person?

Yes, they use your unique referral link to purchase Pacific & Orient insurance for multiple vehicles, you can...