[casper]

hi guys,

1. heard that NCD will only vote if you have more than 1 claim in during a policy year or more than 2 claims during 3 years consequnces policy years.
Is this mean that I still have NCD discount on next policy renew if I have one accident (claimable) this year?

2 what insurance company you prefer? pls benchmark, some have online renewer like Maybank, berjaya, MNI... what do you think?

[tengster]

casper:

1. NCD is earned after one fullyear policy w/o claim...increasing from 25%, 30%, etc...up to max 55%...at any year, you have a own damage claim/theft, your NCD will be ZERO.....It takes one accident to wipe out your accumulated NCD of 5years (i.e. 55%)....

2. Too sensitive to benchmark here....it's against our cyberethics and AW regulation I supposed.....stay away from those who sounds like hernia....

[casper]

tengster,

1. i read a document from MNI website that match what i said. try to have a look
http://www.mni.com.m...D Protector.pdf

2. haha, hernia...

[tengster]

casper:

THis one onli applicable if you have 45% NCD and above to be eligible to buy such policy....read the clauses to understand the policy beofre buying......no further comments.