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Information - Driver's Improvement Point System (DIPs) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Incentive Scheme Incentive Scheme for Good Drivers Motorists with a clean driving record for a continuous three years will enjoy a 5% discount over and above the usual No-Claim Bonus when they renew their insurance policy. They must not have made any claims on their vehicles' insurance for the past three years. Owners of all privately owned vehicles, including buses and motorcycles, are eligible for the incentive scheme given by the participating insurance companies. Please check with your insurance company on their driving insurance incentive scheme which may vary with different insurance company.
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