NCB Protection Cover in Two Wheeler Insurance
As a responsible bike rider, you must hold a clean driving record that led you to earn a valuable reward, i.e. NCB (No Claim Bonus). But what if you had to make a claim? Generally, even a single claim could make your NCB zero and increase your future premiums. That's where the NCB protection cover steps in. This powerful add-on with your bike insurance ensures your accumulated NCB stays intact, even after raising a claim and helps you save money. Let's explore how it works and why it's a smart move for any bike owner who values both protection and saving.
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₹1.3/day*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.
Key Features of NCB Protection Cover in Two WheelersInsurance
Following are the salient features of NCB protection add-on cover in two-wheeler insurance:
- A Long-Term Deal:NCB cover guarantees low premiums for more than a year, depending on how many NCBs are collected.
- Transferable Benefits: 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.
- Enhanced 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 NCB Protection Work?
Let's find out how NCB protection cover works with the help of an example:
Mr. Kartik bought a comprehensive bike insurance policy along with an NCB protection add-on cover. His first-year premium was ₹2,000. Since he didn't file a claim, the second-year premium dropped to ₹1800. Unfortunately, he had an accident in the second year and filed a claim. Thanks to the NCB protection, his third-year premium still dropped to ₹1600, and the accumulated bonus remained intact.
What is Covered under NCB Protection Cover in Bike Insurance?
The inclusions under the NCB protection add-on cover are as follows:
- It protects your no-claim bonus in the event of an Own Damage (OD) claim raised for the loss or damage that occurred.
- 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.
- 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-
- When wrong claims are made in the existing policy.
- For hiding materialistic facts, misrepresentation, or any kind of fraudulent scenario.
- Claims raised under third-party liability only policies.
Who Should for an 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.
Additionally, this bike insurance add-on cover is ideal for:
- New bike owners and existing policyholders.
- Riders of expensive or superbikes with higher repair costs.
- Individuals living in accident-prone areas.
Those looking to maintain a low premium without losing NCB benefits.
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 Non-disclosure or misrepresentation of important facts.
- Breach of policy terms & conditions.
In case you have any related to NCB in your bike insurance you can also connect with our customer care at 1800-208-8787.
FAQs for NCB Protection Cover
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Q1: Is NCB protection cover transferable to my family member or friend?
Ans: No, you cannot transfer NCB protection cover to any of your near and dear ones. You cannot transfer it by selling your motor vehicle to another party because it belongs to the policyholder, not the motorbike.
Note- The NCB protection cover is transferable only in case of the death of the policyholder and is only transferable to the nominee.
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Q2: Is NCB protection add-on cover available with the base plan?
Ans: This add-on cover is available with a comprehensive bike insurance plan and standalone own-damage bike insurance plans.
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Q3: Can I increase add-on covers in my base two-wheeler insurance policy along with NCB cover?
Ans: Yes, you can increase as many add-ons as you want with the base policy along with NCB cover.
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Q4: Is it possible to use a single No Claim Bonus protection cover on two different bikes or multiple bikes?
Ans: No, the No Claim Bonus applies to just one bike insurance policy and one bike. The policyholder cannot use the No Claim Bonus protection cover feature for multiple bikes or insurance policies, but yes can be transferred from one policy to another.
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Q5: Is an NCB protection cover necessary?
Ans: It is not compulsory to get this add-on. Buy this add-on to protect your bike from accidents or damage.
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Q6: Is this add-on beneficial for superbikes or expensive bikes only?
Ans: We especially recommend this add-on for superbikes and expensive bikes, but anyone can benefit from the cover if they are highly prone to road accidents and cause damage to the bike.
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Q7. How to get an NCB certificate?
Ans: In case you are planning to change your insurance provider, you can easily transfer your accumulated bonus (NCB) from one insurer to another, you must issue an NCB certificate from your previous insurer to get it transferred.
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Q8. How is NCB calculated for bike insurance?
Ans: NCB starts at 20% after one claim-free year and increases each consecutive year without a claim, up to 50% after five years. The discount applies only to the own damage (OD) portion, not third-party premiums.
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Q9. What happens to my NCB if I sell my bike?
Ans: You can retain your NCB and transfer to your new bike insurance policy by requesting an NCB retention letter from your current insurer.
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Q10. How to claim NCB when renewing bike insurance?
Ans: If you're renewing with the same bike insurance company, NCB is auto-applied. For a new insurer, provide the previous year policy (PYP) details or NCB certificate.