You may want to check with your previous or existing insurer on the NCD. If you are unsure about your NCD but would like to buy a policy immediately, you can enter it as 0%. We will also verify your NCD with your previous/existing insurer and refund on the difference in premium if you are entitled to any NCD. Alternatively, you may contact our Customer Service Consultant at +65 6820 8888 during our operating hours, Monday to Friday: 9am to 10pm, Saturday: 9am to 1pm. We’ll be happy to help.