The NCD grants motor insurance customers who have insurance continuity as well as a claim-free record a discount. Directly applied at the time of purchasing a motor insurance policy. It is designed to provide customers with more value and convenience, while also complying with the regulations of the Saudi Central Bank.

We'd like to inform you that you'll be eligible for the benefit of No Claim Discount (NCD) if you maintain continuous insurance on all your vehicles, and make sure there is no car insurance lapse or any claim made under your policy. Be sure to check the Terms and Conditions for more details on discount eligibility by following link. Terms and Conditions

By avoiding car accidents with liability on the policy holder that might turn into claims. Secondly, make sure you continue insuring the vehicle on a yearly basis, and with every year that passes without having an insurance claim, your discount will increase provided that you have no gaps in motor insurance

This discount only applies to the policyholder and will be automatically applied when you purchase your policy. So, all you have to do is meet the eligibility criteria and enjoy your NCD discount when you purchase or renew your policy. To ensure that you’re eligible for the NCD, please make sure that all of our eligibility criteria and regulations are met.

The NCD will get impacted based on the number of insurance gap days, according to the following cases:

1. The policy holder will be eligible for NCD for a period of 30 days after the policy expiry date.
2. After 30 -180 days, the NCD will be lost on that specific vehicle for a year (temporary 0), however the history will be kept, and it will be restored upon the timely renewal next year.
3. After 180 days the NCD history will be lost and starts form 0% on all vehicles.

The discount continues and is applied to the new vehicle if the vehicle was insured within 365 days after the policy was canceled\expired for the vehicle that was sold, and in case that the customer exceeds 365 without being registered as an insured, he will lose the eligibility for the NCD, considering the terms and conditions.

By visiting Najm’s website and accessing NCD service. Najm smart phones application.

The insured entitled to view his entitlement to the NCD by visiting the Najm website and accessing the NCD service, and he can also contact Najm.

Being continuously insured. This means that your insurance coverage is always in effect, without a gap more than 30 days.

The grace period is 30 days starting from the expiry date of the policy, and from 30 to 180 days gap, the NCD is temporarily lost for the vehicle, and if the gap exceeds 180 days, the NCD is completely lost for all vehicles.

Yes, all vehicles owned by individual can earn a no claim discount as per the insurance record of the vehicle owner.

Yes, your no claim discount will be the same all the vehicles under your ownership.

Yes, the NCD applies to comprehensive insurance with the same mechanism as the third-party insurance, However, comprehensive insurance policyholder gets a higher discount.

All Saudi motor insurance companies provide the NCD service.

No

No

No

Your NCD is linked to the policyholder’s insurance record and has nothing to do with the vehicle claim record.

The no-claims discount is impacted if the percentage of liability in the accident exceeds 50%. For more details, please visit the conditions for NCD.

The no-claims discount is impacted if the percentage of liability in the accident exceeds 50%. For more details, please visit the conditions for NCD.

The no claims discount will not get impacted if the percentage of liability in the accident is less than 50%. For more details, please visit the conditions for NCD.

The no claims discount will not get impacted if the percentage of liability in the accident is less than 50%. For more details, please visit the conditions for NCD.

The no claims discount will not get impacted if the percentage of liability in the accident is less than 50%. For more details, please visit the conditions for NCD.

Insurance company must provide you with all the necessary details indicating the reason for not being eligible for NCD and the policy quotation including the NCD. You can visit Najm website to check your eligibility for the NCD and view the entire insurance record for all the vehicles you own.

You can check your entitlement by simply visiting Najm website and access the NCD service. You can also check the entire insurance record of all the vehicles you own or contact our customer service team at 199033 for more information.

The NCD database can only be recorded by the insurance companies that operate inside the Kingdom of Saudi Arabia.

Any update on the percentage of liability for an accident, this will be reflected in the insurance record of the vehicle owner and, accordingly, on the no claims discount.

The following guidelines can help you check your current NCD:

1. When you visit any insurance company for the purpose of renewing or purchasing an insurance policy.
2. Visit Najm website to find out all about your NCD.

You will get NCD for the comprehensive insurance policy according to your insurance record.

The discounts are applied separately to each vehicle taking into account the type of insurance policy.

If you are more than 50% at fault in an car accident, your NCD rate will be impacted

If you are less than 50% at fault in an accident, your NCD won’t be impacted.

If you are less than 50% at fault in an accident, your NCD won’t be impacted.

The NCD depends on the percentage of liability in the claim and is only impacted if the percentage of liability in the claim is more than 50%.

Lease-to-own vehicles are not included in the NCD. After the ownership of the vehicle is transferred to an individual, the NCD will start to be applied, according to the terms and conditions.

The discount is affected when there is a claim regardless of the number of claims during the calendar year.

In case of the accident turns into a claim, your NCD will be affected in your insurance record, and thus automatically your NCD on all vehicles will be affected.

Yes, because the NCD is linked to the insurance record and not to the vehicle, taking into account the other terms and conditions of the NCD.

The NCD will be applied automatically upon purchasing the insurance policy.

The NCD is affected only if the liability percentage in the claim is more than 50%, whether the vehicle is insured or not.

The NCD will be lost entirely.