NCB Protect Cover Add-on In Car Insurance

No Claim Bonus Protect Cover Add-on in Car Insurance Policy

A No Claim Bonus (NCB) is a discount offered by the insurance company to the policyholder on the own-damage premium amount of the car insurance policy at the time of policy renewal. NCB is offered in return of not making a claim during the entire tenure of the car insurance policy. The NCB discount percentage ranges between 20%-50% depending on the number of claim-free years.

Number of Claim-Free Years

NCB Offered on Own-Damage Premium











NVB is available only if the policyholder has not made even a single claim during the entire policy period. Thus, if a policyholder makes even one claim, he/she is not entitled to the NCB. However, by opting for a car insurance add-on cover known as the NCB Protect, a policyholder can keep his/her NCB intact even after making a claim during the tenure of the policy subject terms and conditions of the insurance company.

Who Should Get A No Claim Bonus Protect Cover?

  • All car owners
  • New drivers
  • Car owners who wish to save the reward for not making much claims.

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No Claim Bonus Protect Cover Add-on FAQ

  • When can I opt for the NCB Protect cover?

    The NCB Protect cover can be opted for either at the time of policy purchase or policy renewal. Also, there are some insurance companies which allow addition of add-on covers in between the policy period.

  • Is the NCB Cover add-on available with a third party car insurance plan?

    No. Like all other car insurance add-ons, the NCB Protect cover is also available with only comprehensive and standalone own-damage car insurance plans and not with a third party car insurance plan.

  • How many claims are allowed with the NCB Protect cover?

    The number of claims allowed with the NCB Protect cover vary from insurance company to insurance company. However, generally up to 2 claims are allowed with the NCB Protect cover.

  • Can I add other add-ons also along with the NCB Protect cover to my car insurance plan?

    Yes, you can add as many add-ons as you wish with the NCB Protect Cover to your standard comprehensive/standalone own-damage car insurance policy.

  • When am I entitled to receive the NCB on the own-damage premium of my car insurance policy?

    The NCB on the own-damage premium of your car insurance policy is available to you at the time of policy renewal.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.