Introduction
Drivers earn an NCD (No Claim Discount) when they make no claims over a certain period. However, insurance systems occasionally show NCDs incorrectly or as duplicates, causing confusion. This article focuses on Incorrect NCD Display: How to Fix Duplicate NCD Issues, explaining why it happens and how to correct it according to PIAM regulations.
1. What is Duplicate NCD
- Duplicate NCD occurs when the insurance system shows more than one NCD record for the same owner or vehicle.
- System delays or unprocessed endorsements usually cause this issue.
- NCDs never “stack” — any old NCD transferred to a new policy will overwrite the previous record.
Understanding this concept allows you to identify whether the issue stems from the system or from data entry errors
2. Reasons for Incorrect NCD Display
- NCD transfer not completed: For example, after selling/buying a car or changing policies.
- Insurance system not updated: Especially for canceled old policies.
- Temporary duplicate records: The system may temporarily display both old and new NCDs until the endorsement is processed.
Tip: Don’t panic — these issues are usually easy to fix with the correct steps.
3. How to Fix Duplicate NCD
- Check NCD Status: Use digital platforms like BJAK to verify your NCD records.
- Contact the Insurance Company: Report any duplicate or incorrect displays. Provide policy documents, proof of payment, and endorsements if available.
- Obtain Official Confirmation: The insurer will update their system and issue a valid NCD confirmation.
- Monitor Your NCD Record: Check and ensure your NCD displays correctly before renewing your next policy.
4. Risks If Duplicate NCD is Not Fixed
- Your NCD discount may become invalid during renewal → higher premiums.
- The system showing overlapping or inconsistent NCDs can lead to rejected claims.
- Failing to process endorsements can cause you to lose your valid NCD.
Conclusion
Issues with Incorrect NCD Display: Duplicate NCD can happen due to delayed system updates or incomplete NCD transfers. Check your status on digital platforms like BJAK, contact your insurer, and obtain official confirmation to safely retain your NCD. This ensures your premium discount remains valid and prevents future claim issues.
Read More:
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