NCB protection: the most under-appreciated motor add-on
By Editorial Team· 29 May 2026· 4 min read
NCB is a 20-50% premium discount for claim-free years. Make one claim and it resets to zero — losing 5+ years of savings. NCB protection (also called NCB cover) lets you make one claim per year without losing your accumulated bonus.
Cost vs benefit
NCB protection adds ₹500-1,500 to your premium. Your accumulated NCB is typically worth ₹3,000-8,000 in renewal savings. Math says: yes, take it.
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Editorial Team
Independent insurance writers and former product managers from leading insurers — focused on plain-English explainers, no marketing fluff.
Published 29 May 2026· 4 min read
