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NCB Protector Cover in Car Insurance
Unexpected claims shouldn’t cost you your hard-earned No-claim Bonus. With an NCB Protector Cover, your NCB stays safe even after certain claims and you can enjoy uninterrupted premium discounts year after year.
NCB Protector Add on Cover in Car Insurance
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What is an NCB Protector Cover?
No Claim Bonus (NCB) Protector is an add-on cover under Standalone Own Damage Policy that protects your No Claim Bonus even if you make a partial loss claim during the policy period.
Normally, making a claim results in the NCB becoming zero at renewal. With the NCB Protector add-on, your NCB percentage is protected and might increase during renewal, as per the option chosen in your policy schedule.
Note: NCB Protector add-on cover has been filed as Digit Private Car Pay As You Drive with Insurance Regulatory and Development Authority (IRDA) with UIN number IRDAN158RP0002V01201920/A0003V01202425
Benefits of NCB Protector Cover in Car Insurance
Same NCB Percentage
If you make a partial loss claim during the policy period, your NCB percentage will remain unchanged at renewal. You can continue to enjoy the same NCB as mentioned in your expiring policy.
Next Slab NCB Percentage
With this option, even if you make a claim, your NCB will increase to the next slab at renewal just as it normally would when no claim is made. You receive the higher NCB percentage applicable to the next level.
Keeps Your NCB Intact, Even After a Claim
With the NCB Protector cover, your No Claim Bonus (NCB) stays intact, even after you make a claim. This means you won’t lose the bonus you’ve built over the years, and you continue to get premium discounts at renewal.
Pay a Little Now, Save More Later
By paying a small extra amount for the NCB Protector cover, you can save significantly on future premiums even if you need to file a claim because your NCB remains protected.
Easy to Buy Anytime, Anywhere
You can purchase the NCB Protector easily online, without paperwork, and access the policy instantly through your app.
File Claims Without Worry
File a claim whenever needed; your NCB stays safe, so there’s no need to worry about losing your hard-earned discount.
Lower Premiums Year After Year
By keeping your NCB protected every year, you’ll enjoy lower premium payments for the long term, making the add-on a smart investment.
How Does NCB Protector Add-on Cover Work for Car Insurance?
An NCB Protector add‑on works by safeguarding your accumulated No Claim Bonus even if you file an eligible claim during the policy term. Here’s how the process typically works:
Buy NCB Protector
Buy NCB Protector with your car insurance policy.
Raise a Claim
Your NCB stays safe, even after a claim.
Accumulated NCB is Protected
Your accumulated NCB (up to 50%) remains intact after allowed claims.
At renewal
While renewing your protected NCB is applied as a discount to your premium.
What’s Covered in Digit’s NCB Protector Add-on?
NCB Protect Cover applies in the following situations:
What’s Not Covered?
How to Buy NCB Protector Add-On Cover from Digit?
Enter Car Details
On the Digit App or website, enter car registration number and select the policy status.
Choose a Plan
Select the type of car insurance plan, desired add-ons and the NCB Protector Cover.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
When is NCB Protector Add-on Cover Not Applicable?
NCB Protector does not apply in the following situations:
Total Loss or Constructive Total Loss - If your car is declared a total loss or constructive total loss, NCB Protector benefits are not available.
Exceeding the Allowed Number of Claims - The NCB Protector add-on allows only a limited number of claims (usually one or two) in a policy year. If you exceed this limit, your No Claim Bonus becomes invalid for the next renewal.
In Case of Theft (With Conditions) - If your car is stolen, you can retain your NCB only if you purchase and insure a new car with the same insurer within three years and have not exceeded the maximum allowed claim count as per your policy schedule. If these conditions are not met, the NCB will not be protected.
Transfer of Vehicle Ownership - If you sell or transfer your car to someone else, the NCB Protector add-on becomes void, as it is linked to the policyholder and vehicle together.
Standard Policy Exclusions Apply - Any exclusions in your main car insurance policy such as driving under the influence, invalid license, or intentional damage also automatically apply to the NCB Protector.
Who Should Buy an NCB Protector Cover?
NCB Protector Cover is ideal for policyholders who want to safeguard their accumulated No Claim Bonus despite needing to make a claim. It is especially useful for:
1. People Living in Accident-Prone Areas
If you frequently drive in areas with heavy traffic, narrow roads, or higher chances of minor accidents, this cover helps you retain your NCB even if you need to file a partial loss claim.
2. Owners of Luxury or High-End Vehicles
Repairs for premium cars can be costly. Even a small claim can reset your NCB to zero. With NCB Protector, you can make essential repairs without losing your accumulated benefit.
3. Policyholders with High Accumulated NCB
If you’ve built up a significant NCB over the years (25%, 35%, 45%, 50%), losing it due to a single claim can be expensive. NCB Protector helps you preserve and continue growing your discount.
Why Opt for NCB Protector Add-on Cover?
Even the most careful drivers can face unexpected situations like a minor accident, damage from natural disasters, or an unfortunate incident that wasn’t your fault. Without NCB Protector, a single claim would wipe out your No Claim Bonus, increasing your premiums for years to come.
With the NCB Protector add-on, your NCB remains safe even if you file a claim for such incidents, so you continue saving every time you renew your policy. This makes the add-on a smart choice for anyone who values long-term savings and financial predictability, no matter what the road brings.
What is the Cost of a No Claim Bonus (NCB) Protector Add-on?
The cost of the NCB Protector cover can affect your insurance premium based on several factors. It is usually calculated as a small percentage of your overall insurance premium, but the exact amount depends on the type of vehicle you own such as a hatchback, sedan, or SUV and the NCB percentage you have already accumulated. Insurers may also consider your claim history and the specific plan you choose.
The NCB Protector cover is especially valuable for policyholders who have accumulated a high NCB—typically those who have not made claims for several years. If you have a clean driving record, this cover allows you to maintain your well-earned discount, even if you must file a claim for a minor accident or unforeseen event. This means you continue to enjoy lower premiums and long-term savings, despite making a claim.
If you have a car insurance and have not built up any NCB yet, the immediate benefit of the NCB Protector add-on is limited. You may want to consider adding it once you start earning NCB, so that you can protect your growing discount as you continue your claim-free journey.
FAQs About NCB Protector Cover
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