I met with a car accident last month. It was a wet day and I was driving along Braddell Road exiting towards Thomson Road. I noticed a stationary car along the filter lane so I slammed on the brakes. For whatever reasons, the brakes refused to oblige and I could feel my car sliding towards the car ahead. I remembered I swore, but it didn’t help. My life flashed before my eyes. Bump! The nightmare lasted only a few seconds. Luckily we were all okay. Protect your 50% NCD! I have had a clean driving record until this accident. And I have been driving enough years to enjoy the 50% No Claims Discount (NCD) off my car insurance. I reported the accident to my insurer and was told that my NCD would likely drop to 20%, because I did not purchase any NCD protection. Read More at BigFatPurse...