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! 🚗💰
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.
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).
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.
🔹 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?
✅ 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.
How do I check my NCD?
You can check your current NCD level on any Laferla motor insurance policy by logging in to your Laferla Account or contacting our team. 📞💬
For more information, contact our team or check your policy terms.