A No-Claim Discount (‘NCD’) is an entitlement given to you if no claim has been made under your policy for a year or more with the current/existing insurer. It reduces the premium you have to pay for the following year. This is your insurer's way of recognising and rewarding you for having been a careful driver. There is a standard followed by all insurers in setting the NCD, depending on your type of vehicle (private, commercial or motorcycle) and the period of insurance with no claim. The following table shows how the NCD is set by all insurers across the industry. Private Car Period of insurance with no claim Discount on renewal 1 year 10% 2 years 20% 3 years 30% 4 years 40% 5 years or longer 50% Motorcycle/Commercial Vehicle Period of insurance with no claim Discount on renewal 1 year 10% 2 years 15% 3 years or longer 20%

Contractors' All Risks insurance covers a wide range of projects such as residential and commercial building construction, renovation works and infrastructure projects.

Yes, so long as the driver has a valid driving license and fulfils our underwriting criteria as named driver, you can purchase this plan and add them as a named driver in the Comprehensive Family NCD Builder Plan.

You will receive a redemption link via the email address provided during your insurance application within 3 to 4 months from your policy activation date. The Shell Fuel e-Voucher will be credited to your Shell App upon successful redemption.​

No, each ECICS Motor Excess Protector Insurance Policy is meant to cover 1 vehicle at any one point in time. At the point of policy inception, you need to declare your vehicle registration number.