You can submit your details through our online form. Our team will review your information and guide you with suitable options based on your needs and coverage requirements.

Response time may vary depending on the information provided, but our team will aim to follow up as soon as possible after receiving your submission.

Safe Harbour helps you compare options across insurers, understand coverage differences, and receive guidance tailored to your needs, so you can make a more informed decision with confidence.

To prepare a motor insurance quote, we may require details such as your vehicle information, driver particulars, current insurer and policy expiry date where applicable.

No-Claim Discount (NCD) is a discount on your premium for not making any claims during your policy period. It can be transferred between insurers, subject to eligibility and insurer guidelines.

Your No-Claim Discount (NCD) is generally transferable between insurers, subject to eligibility and insurer guidelines. Our team can assist in checking and applying your NCD accordingly.

Premiums may vary based on factors such as your vehicle type, driving experience, claims history, usage and the level of coverage selected.

Not usually. Once your details are available, the process is generally straightforward. Our team can guide you through the key steps, explain any important considerations and help make the switch smoother.

It is recommended to review your renewal options before your policy expiry date to ensure continuous coverage and allow sufficient time for comparison.

If you are involved in an accident, you should follow the Motor Claims Framework (MCF) guidelines:

At the scene:

• Exchange particulars and note vehicle numbers
• Take clear photos of the accident scene and all vehicles
• Contact your insurer for assistance or towing support
  

Reporting requirements:

• Report the accident to your insurer within 24 hours or the next working day
• File a Traffic Police report if the accident involves injury, fatality, government property, foreign vehicles, pedestrians, cyclists or hit-and-run cases
  

Important:

• Failure to report the accident may result in your insurer rejecting your claim, affecting your No-Claim Discount (NCD) or declining policy renewal
  

Do not:

• Move your vehicle before taking photos (unless necessary for safety)
• Engage unauthorised tow-truck operators at the scene

Premiums may vary depending on the insurer and your profile. Safe Harbour helps you compare available options and identify suitable coverage, so you can make a more informed decision based on both value and protection.