If no claim is made or arises from your policy, and provided you car is insured for a period of 12 months in each of the following instance, you are entitled to a no claim discount or NCD on renewal of your policy...as follow:
Period of Insurance NCD
After the 1st year of insurance 25%
After the 2nd year of insurance 30%
After the 3rd year of insurance 38 1/3%
After the 4th year of insurance 45%
After the 5th year and more 55%
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