NCD（Non Craim Discount）が昨年はゼロだったため、第三者賠償＋車両保険（Comprehensive）の保険料はHKD7,000強となり高かったが、今年はNCB1年目で20％OFFとなり、HKD6,000弱となった。日本の水準を考えるとそれでも高い気はする。更新の保険料をブローカーに支払うとこうしたCover NoteがFAXまたはPDFで送られてきて、後日保険会社（私の場合はZurich）から正式なPolicyが届く事となる。
Comprehensiveではなく、自賠責（Third Party Insurance)のみならHKD2,000程度になるが、事故が遭った場合の対応（相手方との示談交渉や賠償請求）は全て自分でやらねばならず、外国人にはハードルが高いためやむを得ないと言える。Zurichにしたのは、第三者賠償の最高額をHKD5.0mil (80百万円）まで追加保障できたため（通常の自動車保険はHKD2.0mil）。24時間のロードサービス付保されており、必要経費というところ。
NCD is an insurance feature that is almost unique to motor car insurance. Originally known as NCB, or No Claims Bonus, the name was changed to reflect the fact that this feature did not offer the policyholder any extra money, but rather a reduction on the next year's premium. NCD can significantly lower the annual premium of a motor vehicle insurance policy. It is, however, important to disclose the fact that you have NCD when receiving the quote; otherwise your premium may be much more than expected.
The scale of the discounts associated with NCD can vary between insurance companies; however we have provided an outline of the typical scale for private vehicles below:
- 1 year claim free driving: 20% NCD
- 2 years claim free driving: 30% NCD
- 3 years claim free driving: 40% NCD
- 4 years claim free driving: 50% NCD
- 5 years claim free driving: 60% NCD
The maximum amount of NCD that you are allowed is 60%, representing 5 years of claim free driving. With other classes of vehicles (such as commercial vehicles) NCD will typically begin at 10% after one year and go to a maximum of 30%. NCD will, however, generally change between insurers, so it is important to note what rates your insurer will use.
In the event of an accident NCD works on a 'step back' system. This means that a single serious accident should not eliminate the entitlement that you have towards NCD during the next policy year. An illustration of the step back system can be found below:
- 60% NCD will become 30% when the policy renews
- 50% NCD will become 20% when the policy renews
If you had an NCD below 50% and are involved in a claim during the policy year then you will receive no NCD when the policy renews. In addition to this, policyholder's with NCD of over 50% who make 2 or more claims during the policy year will not receive any NCD when the policy renews. Please remember that this NCD 'step back' system will only usually apply to private vehicles and with other classes of vehicles a single claim will typically mean that there will be no NCD entitlement the following year.