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NCD Protector Plus for Your NCD Car Insurance Policy


DirectAsia Exclusive: NCD Protector in Singapore

DirectAsia Car INsurance NCD Protector Plus If you are currently at NCD30/40 or have held NCD50 for 5 years, DirectAsia’s NCD Protector Plus is exactly what you will need to add-on to your car insurance plan! With the NCD Protector Plus, you will get more than just NCD protection! In fact, you will be able to advance to the next NCD level even with 1 at-fault claim. Now that's what we call happier motoring!

Looking for car insurance plans with NCD protection in Singapore? Get a quote from us now.

Protect and advance your NCD with DirectAsia’s NCD Protector Plus

Leverage our NCD Protector Plus as an add-on to further supplement your current NCD policy. A No Claim Discount Protector protects your NCD by allowing you to make claims under your policy without affecting your current NCD. NCDs work best if you are a safe driver and have not made an insurance claim during your years of driving experience. However, such things are not guaranteed, and the likelihood of a mishap still exists, regardless of how careful you try to be. Should you wish to make a claim then, without a NCD Protector, your NCD will automatically be reduced by 30%. Not only will you have to pay potentially hundreds of dollars on your premium upon the renewal of your policy, but you will also have to spend years to start building up your NCD back up to the level it once was.

Getting A NCD Protector Plus for Your Car Insurance in Singapore

At DirectAsia, we currently offer a NCD Protector Plus as an optional benefit for all cover types – Comprehensive (COM), Third-Party Fire and Theft (TPFT), and Third-Party Only (TPO). Learn more about the cover types here.

No matter how vigilant and careful you are on the road, the possibility of getting involved in accidents and road mishaps will never diminish. As such, it is imperative that you ensure that your car insurance policy can financially protect you from the expenses derived from such unforeseen circumstances.

With the optional ‘NCD Protector Plus’ cover

Your current No Claim Discount is up to

Your reduced No Claim Discount is up to
1 'at-fault' claim 2 'at-fault' claims 3 or more 'at-fault' claims
60% 60% 20% 0%
50% (5 years) 60% 20% 0%
50% (Less than 5 years) 50% 20% 0%
40% 50% 10% 0%
30% 40% 0% 0%

*If you have selected the optional 'NCD Protector Plus' cover upon sign-up or policy renewal.

Reduction if you don't have our "NCD Protector Plus"

When an accident occurs, your No Claim Discount will be reduced as described in the table below. Please declare the NCD according to your situation:

Without the optional ‘NCD Protector Plus’ cover

Your current
No Claim Discount

Your reduced No Claim Discount
if you make
1 or more 'at-fault' claim
if you make
2 or more 'at-fault' claims

Please note: NCD30/40/50/60 that is protected under our DirectAsia policy is not transferable to another insurer and also does not necessarily protect you against non-renewal or cancellation of your policy by us.

Get a Quote on Our NCD Protector Plus for Your Car Insurance Today

At DirectAsia, we take on a client-first methodology wherein all our insurance policies and services are tailored to better serve you and your needs. Protect your NCD with our NCD Protector Plus. Get a quote from us today.

Frequently Asked Questions

Does the NCD Protector Plus apply to anyone who has NCD?

Only drivers with NCD30/ 40/ 50/ 60 can add NCD Protector Plus to their current car insurance policy.

I've been a named driver on someone else's insurance, can I still get a NCD?

If you have been a named driver on someone else's insurance, you are not entitled to any NCD.

But if you have been driving a company car and you then buy a personal car, you would be allowed to transfer the NCD provided you can show the number of claims' free years you have with a letter from the HR department of your employer or from the leasing company.

What is a No Claim Discount (NCD)?

A No Claim Discount is a discount that we offer you on your renewal premium if there are no claims on your policy during the current period of insurance. You may still be entitled to a No Claim Discount even if you have made a claim, provided you are not liable for the accident and that you have been insured with us for the past 12 months. Here's more details on NCD and who is eligible.

What is NCD Protector Plus? How does it work?

NCD Protector Plus is an optional benefit to add on to your Car Insurance.

Only applicable for customers with NCD30/ 40/ 50/ 60, the NCD Protector Plus provides an opportunity for customers to protect or advance their NCD status for a nominal fee.

With NCD Protector Plus, customers can still advance to the next NCD level the following year even with 1 at-fault claim. Most insurers will only allow you to maintain your NCD status when you have an at-fault claim.

What other optional benefits can I add to my car insurance policy?

Other than NCD Protection Plus, we offer the following add-ons: 

  • Personal Accident for Driver
  • Medical Expenses for Driver and Passengers
  • No Claim Discount (NCD) Protection
  • My Workshop/My Authorised Distributor Workshop
  • 24 Hour Breakdown Assistance 
  • Loss of Use
  • New for Old Replacement Car 
  • My Accessories 

Learn more about our optional benefits here.

Can I protect my No Claim Discount (NCD)?

If you select NCD Protector Plus under our optional benefits then we will protect your No Claim Discount (NCD), when you make up to one claim under your policy and if you renew with us. Only applicable for NCD30, NCD40, NCD50 and NCD60 only.

Should I buy car insurance plans with NCD protector features?

Car insurance plans with NCD protection is a valuable feature well worth paying for. It offers you a discount on your premium and is based on your driving record. In short, it is a reward for good driving, so make full use of it by looking for a plan with NCD protection – such as DirectAsia’s NCD Protector Plus!