If i am not wrong, your new insurance company can check whether
you have registered a previous car and from that registration they
can trace your previous insurance company from whom will provide
them your NCD details.
But it depends on the kind of insurance company, some of them are
not member of a certain network so they don't have access to such
info.
Because my need not tell my new insurer anything and both my NCD
and COM was transferred.
anyway, i advise against NTUC income... they are quite pain in the
ass to claim from.
