Editor’s Note (Updated on May 12, 2025):
This article has been updated following feedback from the General Insurance Association of Singapore (GIA).
Contrary to previous version, there is currently no publicly accessible portal provided by GIA for checking your No-Claim Discount (NCD) directly.
Motorists should instead verify their NCD by referring to their current insurance policy documents or contacting their insurer directly.
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When it comes to car insurance in Singapore, one of the most important terms you’ll hear is No-Claim Discount (NCD). Your NCD significantly affects your car insurance premium.
The higher your NCD, the more discount you enjoy. Yet, many drivers aren’t exactly sure how to check their current NCD status, especially when switching insurers or renewing policies.
Keeping track of your NCD is important for several reasons.
When renewing or switching insurance providers, you want to ensure that your entitled discount is properly applied to your new policy. It also allows you to better estimate your next insurance premium, as a higher NCD can lead to significant savings.
Furthermore, if you are planning to purchase a new vehicle, knowing your NCD is helpful because you can transfer it to your new car.
In the event of an accident, understanding how much your NCD will be affected can also help you make an informed decision about whether to file an insurance claim or settle minor damages privately.
Inaccuracies in your NCD record could cost you hundreds of dollars a year, so it’s vital to stay informed.
The most straightforward way to check your NCD (No-Claim Discount) is through your current motor insurance provider.
Typically, when you renew your policy or request a quotation, your insurer will state your NCD percentage clearly on the policy documents.
Many insurers also offer online customer portals where you can log in to view your policy details, including your current NCD.
If you’re unsure, a quick call to your insurer’s customer service hotline can help confirm your NCD status.
It’s especially important to double-check your NCD if you’ve recently switched insurers, to ensure it has been accurately carried over.
If you notice that your NCD is lower than expected, raise the issue with your insurer as soon as possible.
Provide any supporting documentation you have, such as prior insurance certificates or renewal notices, that reflect your correct NCD entitlement.
Your No-Claim Discount is a valuable reward for safe and claim-free driving.
Regularly verifying it helps ensure that you receive the premium savings you’re entitled to and protects you against administrative errors.
By staying on top of your insurance records and communicating directly with your insurer, you can enjoy peace of mind and continued savings, especially if you’re maintaining a 50% discount.
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