oo ok got it. thx..
do u ask for it? or they automatically give u?
you earn 10% per year if no claim or you can try ask your dad for it. NCD can transfer btw parent/child, spouse. Malaysia/Singapore. Maximum NCD is 50%
26 is below 31 age group, premium is higher. you can search some online tools to get quotation, try key in diff car eg. subaru WRX, Nissan March, QQ to see what is the effect of your "sport" car have on your premium.