NCB Protection Cover in Two-Wheeler Insurance

As a bike owner, you must have at least a third-party bike insurance policy. However, if you have a comprehensive insurance plan then you might be aware of the NCB Protection add-on cover. Buying an NCB protector with your two-wheeler insurance will help you in protecting the accumulated No Claim Bonus even if you raise a claim. To know more about this add-on cover, read on!

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What is an NCB Protection Cover in Bike Insurance?

A No Claim Bonus or NCB is a discount on the premium given to the policyholder for not raising a claim during the policy tenure and encouraging safe driving practices. NCB is a feature that offers a maximum of 50% savings on premiums after 5 consecutive claim-free years.

However, if a policyholder raises a claim during the policy tenure then he/she will not be eligible to get the benefit of No Claim Bonus anymore. Whereas with the NCB Protection Cover, the policyholder gets to enjoy the benefits of the accumulated bonus even if a claim for loss or damage is filed.

Features of NCB Protection Cover in Two Wheelers Insurance

Following are the salient features of NCB Protection Add-on Cover in Two Wheelers Insurance-

  • A Bonus Deal-NCB cover guarantees low premiums for more than a year, depending on how many NCBs are collected.
  • Easily Transferable- If you want to renew or transfer your policy to another insurer, you can transfer the NCB along with the protection add-on cover effortlessly.
  • Extra Security-NCB protection cover costs about 5%-10% of the standard policy or may be a little costly. However, it keeps the NCB intact even though the insured raises a claim during the policy period.

You may also read- No Claim Bonus in Two-wheeler Insurance

How Does No Claim Bonus (NCB) Protector Cover Works?

Let’s find out how NCB Protection Cover works with the help of an example-

Mr. X bought the NCB protection add-on cover with his comprehensive bike insurance plan. This premium amount of the updated bike insurance plan became Rs. 32,000. Since he did not raise a claim in the first year, the premium amount was slashed to Rs. 30,000.

But in the second year, he met an accident and had to file a claim. However, with the NCB protection add-on cover in the 3rd consecutive year, his insurance premium amount was slashed down to Rs. 28,000.

What is Covered under NCB Protection Cover in Bike Insurance?

The inclusions under the NCB protection add-on cover are as follows-

  1. It protects your no-claim bonus in the event of an Own Damage (OD) claim raised for the loss or damage that occurred.
  2. There is no loss in the bonus of accumulated NCB for the initial 2 claims preferred during this policy per year. However, you must check this with your insurer before buying this optional cover.
  3. The renewal of policy must be with the company to avail NCB discount.

What is Not Covered under NCB Protection Cover in Bike Insurance?

The exclusions under the NCB protection add-on cover are as follows-

  1. When wrong claims are made in the existing policy.
  2. For hiding materialistic facts, misrepresentation, or any kind of fraudulent scenario.

Who Can Avail the Benefits of the NCB Protection Cover?

All motorbike owners who wish to protect their driving history and be eligible for premium discounts should go for NCB protector cover. They can be new bike owners or the ones who are going to buy in the future. Moreover, we recommend NCB Protection Add-on Cover, especially to those who own a superbike or an expensive bike. Also, if you reside in an accident-prone area, you must go for NCB Protection Cover.

Geographical Limit- Any two-wheeler registered in India can avail of this add-on cover.

Pricing- Based on the make and current Insured Declared Value (IDV) of the two-wheeler.

Cost of a No Claim Bonus (NCB) Protection Cover

You can purchase the NCB Protection Cover over and above the base policy. NCB Protection Cover is an add-on, therefore, cannot be purchased independently without already having a comprehensive or standalone own-damage two-wheeler insurance policy.

The premium of protection cover add-on varies from insurer to insurer. The premium of NCB Protection Cover is roughly between 5% to 10% more than the standard bike insurance policy.

You may also read- How is NCB Calculated in Bike Insurance?

Termination of NCB Protection Cover

An NCB protection cover can be terminated by the insurer if-

  • A policyholder makes a fraudulent OD claim.
  • A policyholder hides necessary information related to the accident.


NCB Protection Cover is an add-on cover available with your bike insurance that you can buy to safeguard your NCB discount from being affected by filing claims. In case you have any related to NCB in your bike insurance you can also connect with our customer care at 1800-208-8787.

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