Another thing... as most cars in Singapore are insured by NTUC... I heard there are cases whereby, when two cars, both insured under NTUC meet an accident... NTUC decides that both sides are in fault... in the end, both sides lose their NCD...
dunno if its true... anyone can confirm this rumour I heard???
If its true, the NTUC insurance, though it may be cheaper, is not a good idea...