Overview
A No Claim Discount (NCD) (also known as a No Claim Bonus in Malta) is a reward for careful drivers. If you do not make a claim on your policy, you can receive a discount on your next renewal. In Malta, NCD is tied to each vehicle, and not to the driver specifically. This means that if you own multiple vehicles, opening a claim on one of them will not impact your No Claim Discount on the other(s).
How does NCD work?
- Each claim-free year earns you a discount on your premium.
- The discount increases every year, up to a maximum limit (e.g., 70%).
- If you make a claim, your NCD may be reduced or lost, depending on the circumstances.
Will I lose my NCD if I make a claim?
- Yes – If the accident was your fault or if we are unable to recover costs from a third party.
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No – If you were not at fault and we recover the full cost of the claim from the responsible party.
Can I protect my NCD?
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Yes! On Private Vehicle policies, NCD Protection is available as an optional add-on. This allows you to open one claim per policy period without affecting your discount.
Can I transfer my NCD from another insurer?
- Yes, if you’re switching to Laferla, you can transfer your NCD from your previous insurer.
- Proof of NCD (a renewal notice or confirmation letter) will be required.
- Payment method verified
You can check your current NCD level on any Laferla motor insurance policy by logging in to your Laferla Account or contact our support on info@laferla.com.mt to submit a ticket.