Hi All,

I am having a situation now right , back in May 2021 I sold my car (I was at NCD 55%). Till now I haven't buy a new car cause my company allow WFH and has no sign of WFO yet.

Want to ask , do my NCD downgraded to NCD 45% if I don't buy car by May 2022 ?
Or the NCD 55% sticks with me ?

Please help.

Thanks.

Like say I buy a new car in April 2022 (less than a year from my last SOLD car) , my NCD will still be 55% and when I renew car insurance next year April 2023 , the NCD still 55%. Correct ?

if I buy a new car in Sep 2022 (more than a year from my last SOLD car) , my NCD will be 45% and when I renew car insurance next year April 2023 , my NCD increases back to 55%. Correct ?

Thanks.

I am thinking how soon do I need to buy a new car to keep my hard earned 55% NCD.

I need a car anyway because company cannot be WFH forever.

Just wanted to know how soon.

Oh I see. My last renewed car insurance is Feb 2021.
Before Feb 2022 buy car = 55%
Before Feb 2023 buy car = 45%

Thanks a lot bro. Understood.

Yes bro. You are right. hahahaha...