Introduction
If you have a clean driving record, you are entitled to a premium discount through the No Claim Discount (NCD). This article explains how to save on car insurance as a zero-accident driver, including strategies for choosing policies, valuable add-ons, and how BJAK simplifies insurance and roadtax checks and renewals.
1. Maximize Your NCD
- Ensure there are no gaps in annual renewal, as NCD drops one level if a policy expires.
- NCD transfer is only allowed under your own NRIC and for the same vehicle class when changing cars.
2. Choose the Right Policy for Your Needs
- Comprehensive: Maximum coverage including theft, accidents, and third-party protection.
- Third-Party Only: Suitable for older cars or tight budgets but offers less protection.
- BJAK allows quick comparison so you can pick the policy best suited to your driving history.
3. Use Strategic Add-Ons
- VIP Rescue: One-time towing within BJAK’s coverage area at no extra cost.
- Key Care: Reimbursement for lost or damaged key replacement.
- Warranty: Protects engine and transmission for cars up to 15 years old.
- These add-ons help prevent large claims that could reduce your NCD in the future.
4. Other Money-Saving Tips
- Combine Roadtax & Insurance: BJAK’s simultaneous renewal makes it convenient and sometimes cheaper.
- Check Policies Online: Avoid hidden charges or manual errors.
- Avoid Unnecessary Premiums: Only select add-ons relevant to your car and driving style.
Conclusion
Zero-accident drivers can save significantly on car insurance with the right strategies.Maximise your car’s protection by selecting add-ons wisely, without wasting money.
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