司機唔係車主或投保人，如果有claim，NCB 會扣車主定司機。

NCB是投保人的，有Claim是扣投保人(即車主)，不會關司機的事，因為司機跟本上是沒有NCB，希望幫到你

NCB = NO CLAIM BONUS
換言之就是如果該份保單該年無claim過，下次續保可以得10%保單折扣，最高可得60%折扣，所以NCB只會扣出事車輛該份保單續保折扣，而不是扣去某人的折扣，所以如果你想claim份保單，就先要計計失去NCB後架車續保費用貴定自陶腰包更便宜喇，因為如果你架車來年要買全部，而現時擁有60%NCB而對方只要求你賠償幾千蚊，咁我建議你自己賠錢仲底過claim保險喇，因為60%折扣即$10,000單價你只付$4,000而60%NCB要連續購買五年而無claim過先得到，所以claim保險前記得計清條數先呀，唔係得不償失就後悔莫及！

NCB to be deducted on the policy owner only.
Usually, the car owner is the policy holder.
The driver is not necessarily be the policy holder.
How can you deduct his NCB if he is not the policy holder involved?
The excess conditions involving a driver is whether he/she is
(1) named in the policy or not?
(2) age over 25 or not?
(3) driving experience over 2 years or not?