NCB Protection Add-Ons Cover

Key Features of NCB Protection Cover

Following are the salient features of NCB protection add-on cover in two-wheeler insurance:

Check some important tips to save bike premium costs:

1. Your No Claim Bonus stays safe even after a claim

   Normally, making even one claim can wipe out your entire No Claim Bonus. With NCB Protection Cover, your accumulated NCB remains unchanged, even if you raise a claim during the policy year.
2. You can make a claim without losing your NCB

   With this add-on, making a claim does not automatically cancel your No Claim Bonus. Most insurers allow one or two claims in a year while keeping your NCB intact.
3. Works for common real-life claim situations

   NCB Protection usually applies to claims related to accidents, partial damage, total loss and theft. This means your NCB remains protected in most situations where riders actually need to raise a claim.
4. You pay a little extra, save more later

   This add-on costs a bit more than your regular premium, but it helps you avoid higher premiums in future renewals.
5. Can be added while buying or renewing the policy

   You can opt for NCB Protection Cover when purchasing a new two wheeler insurance policy or during renewal. Insurers usually offer it only if you already have an existing No Claim Bonus.
6. Gives you flexibility to claim when it really matters

   With NCB Protection in place, you do not have to avoid filing a claim just to save your bonus. You can claim for major repairs while keeping your NCB intact for the next year.
7. Helps maintain lower premiums over the long term

   By protecting your NCB year after year, this add-on helps keep your insurance premiums lower in the long run, especially if you already have a high NCB percentage.