Insurance is generally divided into 2:
- Life
- General

General insurance includes Motor-vehicles, fire, flood, marine/ship, etc.
i.e. non-life lah.

Currently, I'm getting NCD 55% + 7% extra from my agent, as their main goal is to achieve annual target only. However, when it is open up, I can get 55% + 10% ?

For me, I don't see a need to utilise the agent. If my car accident, I'll contact the claims/adjuster within the insurance company directly. It is unlike life-insurance where the agent will help me to sort it out.