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Does car insurance protect your no-claim discount?

By , Writer · As of 12 Nov 2026 (Singapore time)

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-car-insurance-protect-your-no-claim-discount

Car insurance promotions today: HL Assurance, 25% off; Etiqa, 20% off, new customers only. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.

Only with an NCD protector. 13 of the 20 insurers we compare offer one, 11 as a paid add-on; 7 do not name one. It usually needs a discount of 10% to 50% already, often costs about 10% more, and keeps your discount after one claim a year. A second claim usually still cuts it.

The figures

  • Insurers compared: 20, with 121 plans between them.
  • Insurers with at least one plan that covers it: 2.
  • Insurers that sell it as an optional add-on: 11.
  • Insurers whose documents do not say: 7.
  • Cheapest plan that covers it, for Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount: ECICS Comprehensive, S$763.00.
  • Median price among the insurers that cover it, for the same example: S$1,174.64.

What each insurer says

Each insurer's most favourable plan on this question, quoted from its policy documents. Prices are for Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount.
InsurerCovered?What the policy saysFrom
ECICSYesfrom S$763.00Yes
Comprehensive8 of its 8 plansNCD protector: Included from 10% NCD: one claim in the policy year does not cut your No Claim Discount (ECICS's brochure)
S$763.00Buy Now
QBEYesfrom S$1,586.28Yes
Private Motor Prestige Comprehensive1 of its 3 plansNCD protector: Free for 10% NCD and above, protects the NCD whatever the number of claims (product page; the July 2023 benefit sheet says 30% NCD and above, first at-fault claim only)
S$1,586.28Buy Now
AIGOptional add-onfrom S$732.80Optional add-on
AIG Car Insurance Collision Only2 of its 2 plansNCD protector: Optional from 30% NCD (adds 9.2%): your first claim in the policy year leaves your NCD as it is; the protected NCD can't be moved to another insurerWho is priced: Cars registered in an earlier year than this one (a car registered this year is priced on AIG's own quote); any driver age; one claim in 3 years under S$40,000, loaded by its amount as AIG does (nothing under S$10,000, then 20% to 75% of the unloaded figure, plus 10% for an outdoor job), with the claim taken as more than a year ago; all-age authorised drivers and unlimited mileage (restricting the drivers' ages or the mileage on AIG's customise step takes 5-20% off); the NCD protector, when chosen, adds 9.2%
S$732.80Buy Now
Great AmericanOptional add-onfrom S$751.11Optional add-on
Motor Private Car Comprehensive (Authorised Workshop)2 of its 4 plansOptional covers (extra premium): NCD Protector (at least 50% NCD); daily transport allowance S$50 a day from the first day of repair, up to 10 days (repairs of at least three days)
S$751.11Buy Now
EtiqaOptional add-onfrom S$753.48Optional add-on
Private Car Insurance – Comprehensive (Authorised Workshop)4 of its 8 plansOptional covers (extra premium): NCD Protector (30% NCD and above; priced here when you choose it: 10% more on Comprehensive); Etiqa Package (courtesy car, towing up to S$500 a year, higher personal accident cover, personal effects S$500); Gap Cover up to S$80,000; sunroof up to S$2,000; solar film up to S$1,000; free child seat cover up to S$300Cover: Priced from Tiq's own quote API for 1649 of the form's car variants (587 priced as the closest Tiq variant of the same model line, fuel and engine size); drivers aged 24 to 75, any driving experience; up to two at-fault claims in the last 3 years totalling up to S$29,999, priced by Tiq's own count and amount buckets; experience of 11 to 12 years takes Tiq's 2% off and 13 years or more its 4-5% off, each band at its lower end, 20 years at Tiq's 20-year rate and more than 20 years at its ">20" rate (about 1% less third party and 3% less own damage); the main driver's own occupation can move Tiq's price (5-10% less for teachers, civil servants, homemakers, students and retirees, 2.5-7.5% more for the self-employed, up to 20% more for some outdoor jobs); comprehensive at Tiq's default S$2,500 excess (third-party covers carry none); the optional NCD Protector is not priced here
S$753.48Buy Now
MS First CapitalOptional add-onfrom S$776.66Optional add-on
Comprehensive3 of its 3 plansNCD protector: Optional (extra premium) at 50% NCD: one claim keeps 50%, two claims drop it to 20%, three or more to nil; NCD falls to 10% if an accident is not reported within 24 hours
S$776.66Buy Now
SompoOptional add-onfrom S$830.39Optional add-on
Comprehensive Cover – Authorised Workshop Plan2 of its 4 plansNCD protector: Optional, about 10% more premium, for NCD 10% or more: one at-fault claim in the year leaves your NCD as it is (a second claim cuts it); loss of use (S$50 a day, up to 7 days) and waiver of excess (once a year) are other paid add-ons
S$830.39Buy Now
FWDOptional add-onfrom S$866.72Optional add-on
Drivo Classic5 of its 5 plansOptional covers (extra premium): NCD Protector (at least 30% NCD; free at renewal after two years at 50% NCD with Income); daily transport allowance S$50 or S$100 a day, up to 7 days, for the first two claims; excess waiver (S$600 excess only); Roadside assistance and wellness cover S$8.72 a year
S$866.72Buy Now
AllianzOptional add-onfrom S$873.27Optional add-on
Allianz Motor Protect Comprehensive10 of its 26 plansWho is priced: Main drivers aged 25 to 75 (under 25 refused; 76 and over referred to an underwriter), no claim in the last 3 years; Comprehensive for cars made within the last 15 years, third-party covers for older cars too; the price does not depend on occupation or marital status; the optional NCD protector (NCD 30% and above) is in the price when you add it on the results page; the personal accident add-on is priced on the portal and is not in the figure
S$873.27Buy Now
Great EasternOptional add-onfrom S$890.03Optional add-on
Drive and Save Plus Comprehensive (Authorised Workshop)3 of its 5 plansOptional covers (extra premium): NCD Protector (50% NCD); loss of use S$80 a day, up to 7 days
S$890.03Buy Now
UOIOptional add-onfrom S$1,134.45Optional add-on
UniCar Comprehensive Value2 of its 4 plansNCD protector: Optional for NCD 30% or more: one claim in the year leaves your NCD as it is; loss of use (the daily amount in the schedule, up to 5 days when repairs take over 3 days) is another paid add-on
S$1,134.45Buy Now
India InternationalOptional add-onOptional add-on
Comprehensive (any workshop or authorised workshops)1 of its 3 plans24-hour roadside assistance: Towing up to S$300 (no 24-hour roadside service named on the buy page); also included: special perils, strike, riot and civil commotion, and passengers' legal liability; NCD protector add-on at 10% of the premium
–
MSIGOptional add-onOptional add-on
MotorMax2 of its 2 plansOptional covers (extra premium): Excess Waiver (waives the standard excess on the first 2 claims in a policy year) and NCD Protector (30% NCD or higher)
–
HL AssuranceNot statedfrom S$713.21Not stated
Car Protect360 Comprehensive2 of its 2 plansThe plan's documents do not mention it.
S$713.21Buy Now
ERGONot statedfrom S$790.88Not stated
SMART Comprehensive4 of its 4 plansThe plan's documents do not mention it.
S$790.88Buy Now
IncomeNot statedfrom S$866.72Not stated
Drivo Classic5 of its 5 plansThe plan's documents do not mention it.
S$866.72Buy Now
SinglifeNot statedfrom S$1,162.45Not stated
Motor Lite3 of its 3 plansThe plan's documents do not mention it.
S$1,162.45Buy Now
LibertyNot statedfrom S$1,232.96Not stated
Comprehensive Preferred Plan4 of its 11 plansThe plan's documents do not mention it.
S$1,232.96Buy Now
Budget DirectNot statedNot stated
Car Insurance – Comprehensive4 of its 4 plansThe plan's documents do not mention it.
–
DirectAsiaNot statedNot stated
Car Insurance – Comprehensive, Value plan15 of its 15 plansThe plan's documents do not mention it.
–

All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.

See every insurer's price for your own answers, with each plan's cover side by side.

Compare car insurance

Buy Now addresses

Each listed insurer's best-value plan for Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount, lowest premium first.

Questions people ask

Does car insurance protect your no-claim discount?

Only with an NCD protector. 13 of the 20 insurers we compare offer one, 11 as a paid add-on; 7 do not name one. It usually needs a discount of 10% to 50% already, often costs about 10% more, and keeps your discount after one claim a year. A second claim usually still cuts it.

Where do these answers come from?

From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 121 plans from 20 insurers. The policy wording is the final word on what is covered.

Which plan is cheapest?

For Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount, ECICS Comprehensive is the cheapest plan that covers it, at S$763.00 today, GST included. The median of each insurer's lowest price is S$1,174.64.