Frequently Asked Questions
FREQUENTLY ASKED QUESTIONS
You can go to your prefer workshop to do repair work.
Max is 20% NCD for Motorcycle Insurance Policy.
No, NCD is not transferable to another person.
We may repudiate liability for the accident in view of a breach in policy conditions.
Your NCD will drop to 0% if you involved accident and claims incurred.
If you have involved accident with below third party, you need to make police report
- someone is injured
- hit-and-run
- accident involve government vehicle/property
- foreign vehicle, or
- pedestrian/cyclist
You should make accident report within 24 hour at SOMPO Insurance reporting center
Things to bring is
-
NRIC
-
License
-
Certificate of Insurance
-
Police Report (if any)
-
Medical Report (if any)
-
Motorcycle (go to reporting center)
Your NCD will be further penalised by one level on top of any NCD reduction resulting from the claim made under your motorcycle insurance policy.
| Existing NCD | After Penalty Reduction |
| 20% | 15% |
| 15% | 10% |
| 10% | 0% |
Yes. You can withdraw the NCD while your policy is still in force, subject to no claims made under your motorcycle insurance policy. You need to top up the difference in premium due to the NCD withdrawal.
You must notify Insurer or contact Ensure immediately upon receiving such documents. Any delay on your part may make it more difficult to handle the claim.
As the facts of an accident will be different from case to case and we will need to evaluate each case on its own merits and handle the claims accordingly by the claims department.
You have to lodge a police report in Malaysia and have the vehicle towed back to Singapore for repair.
It may take a longer time to arrange for a tow service from Malaysia depending on the location of the accident. The nearest Malaysia towing services provider in the area will tow the vehicle to the Causeway and handover the vehicle to the Singapore towing services.
- Comprehensive covers for legal liability to third party (both bodily injury and property damage) as well as damage to your own Motorcycle caused by accidental collision.
- Third Party Fire and Theft covers for legal liability to third party (both bodily injury and property damage) as well as damage to your own Motorcycle as a result of fire or theft only.
- Third Party covers for legal liability to third party (both bodily injury and property damage) only.
NCD is a way of rewarding you for being a safe driver.
Below is a table to shows how the NCD is determined by most insurer in the Singapore insurance industry.
| Number of accident-free years | Percentage of NCD awarded to motorcycle |
| First year | 0% |
| Second consecutive years | 10% |
| Third consecutive years | 15% |
| Four consecutive years | 20% |
You may walk in to any of SOMPO appointed Accident Reporting Center to do accident report.
All accidents must be reported to insurer within 24hrs or by the next working days with your motorcycle. Insurer reserve right to repudiate liability for the accident in view of a breach in policy condition. Furthermore, your NCD entitlement will be further reduced by one level on top of any NCD reduction resulting from the claim made under your motorcycle insurance policy.
| Existing NCD | After penalty reduction |
| 20% | 15% |
| 15% | 10% |
| 10% | 0% |
Yes, if you are at fault of the accident.
Pls refer to the table below:
| Vehicle type | Current NCD | NCD after one claim |
| Motorcycle | 20% and below | 0% |
You will need to report to police when you involves accident with
- government vehicle or property
- foreign vehicle
- pedestrian or cyclist
- injury to anyone
- hit-and-run accident
You may walk in to any motorcycle workshop to repair or submit an Own Damage or Third party claim.
Yes, subject to additional premium will be charged and no claims made under your motorcycle insurance policy. You need to top up the difference in premium due to the NCD withdrawal.
Please provide a copy of transfer ownership letter from LTA to us so that we can assist you to cancel your policy. You may email to us at sompo@ens.com.sg
You must notify Insurer or contact us immediately upon receiving such documents, so that we can assist accordingly. As the facts of an accident will be different from case to case, we will need to evaluate each case on its own merits and handle the claims accordingly by the claims department.
You should lodge a police report in Malaysia and arrange towing to send the vehicle back to Singapore for repair if towing is required. It may take a longer time to arrange for a tow service from Malaysia depending on the location of the accident. The nearest Malaysian towing service provider in the area will tow the vehicle to the Johor Bahru Causeway and handover the vehicle to the Singapore towing service provider.
We will verify with your previous insurer and adjust the NCD accordingly.
If you declare a higher NCD, you will need to pay us the difference, and vice versa.
The driver involved in the accident must report personally, with a copy of driving license, NRIC and the certificate of insurance to Authorised Accident Reporting Centre. The vehicle have also be made present for photo-taking at the time of reporting.
You will email policy documents to you and no hardcopy will be mailed to you.
No refund shall be made where a claim has been made under the policy.
Your NCD will be reduced to 0%.