NCB Protection Add-on Cover in Bike Insurance

Starting at only ₹1.5 per Day*

Two wheeler Insurance banner image
Enter your details to buy Bike Insurance
By proceeding you agree to Terms & Conditions
Proceed without two wheeler number
  • compare buy
    Compare and buy at best price
  • instant policy
    Instant Policy Issuance
  • no unwanted calls
    No unwanted calls. We promise!

An insurance policy is seen as means to comply with the law rather than a lifesaver in times of need. One might undergo a drastic perception change if he or she were to understand what an excellent investment a bike insurance policy can be and the benefits that owning one will give. 

One such advantage of having a well-rounded policy with an add-on called NCB protect has been discussed below. Interested to know more? Read on.

What is a No Claim Bonus (NCB)?

A no-claim bonus is a discount or saving that the bike owner can avail of for having had a claim-free year. The discount increases with every successive claim-free year. The rates that are offered by insurers are as follows – 


No Claim Bonus Discount

For the first claim free year20%
For the second claim free year (continuous)25%
For the third claim free year (continuous)35%
For the fourth claim free year (continuous)45%
For the fifth claim free year (continuous)50%

Features & Benefits of NCB Protection Add-on

  • Depending on the policy, you can file 1-2 claims in a single policy year when you have this add-on. This means that even if you happen to be in an accident, your bonus will still be protected.
  • You can, therefore, continue to save money on your premiums in the coming years, making the insurance itself more affordable.

How NCB Protection Cover Works 

Rahul purchased comprehensive bike insurance along with the NCB protection cover add-on. During this policy tenure, he got into a minor accident and made a claim. Since he had an NCB protection add-on, he was still able to get his NCB bonus for that year. Whereas, Shiva also purchased a comprehensive bike insurance policy without NCB protection cover. He also met with an accident and raised a claim. So let’s see the status of his NCB in the table below.   

Calculation by

Rahul (with NCB Cover)

Shiva (without NCB Cover)

First-year premium

INR  22,000

INR  22,000

Premium for the second year

INR 20,000

INR 20,000

Premium after the NCB discount despite raising a claim

INR 16,000 (NCB 20%)

INR. 20,000 (NCB 0% )

Who Should Buy NCB Protection Cover?

This cover can be availed by any bike owner who has a valid own damage or comprehensive bike insurance policy. It is an add-on worth considering if one has purchased a new vehicle and wishes to save on as many premium payments as possible.

Moreover, if you are someone who owns a superbike or an expensive bike, owning the NCB Protection Cover is recommended. Also, if you live in an accident-prone/flood-prone area, availing NCB Protection Add-on would be helpful for you.

NCB Protection Add-on Cover in Bike Insurance FAQs

  • 1. What are the situations when NCB protection cover is terminated?

    An NCB protection cover can be terminated by the insurance provider if:

    • You make a fraudulent OD claim
    • You conceal important information related to the accident
  • 2. Can the NCB protection be applied to two different policies?

    No, the add-on is applicable to one policy at a time. 

  • 3. Is an NCB protection cover necessary?

    It is not compulsory to get this cover, however, if you live in an accident-prone area and are worried that your bike may suffer damage irrespective of how careful you are, then it makes sense to get the NCB protection add on.

  • 4. Is an NCB protection cover only ideal for those with super bikes or expensive bikes?

    While it is definitely ideal for those with superbikes or expensive bikes, anyone can benefit from the cover if they believe that they are at a high risk of having road accidents or suffering damage to the bike.

Recent Articles

View All

It's All About Selecting No-claim Bonus (NCB) During Bike In...

Select the appropriate no-claim bonus percentage while renewing your bike insurance policy and save significan...

Read More

Renewal of IFFCO-Tokio Two-wheeler Insurance Online: A Compr...

Renewing your two-wheeler insurance online is easier, faster, and simple and doesn't require paperwork. Follow...

Read More

Steps to Claim Reliance Bike Insurance

It's a big relief if you have someone who will cover all your financial losses that may incur in the future du...

Read More

Steps to Claim Bike Insurance at HDFC Ergo

All bike insurance policyholders expect an easy and hassle-free claiming facility from their bike insurance co...

Read More

Off-road Bike Insurance: All You Need to Know

Youngsters in India are very adventurous and love to do off-road riding. It is always advisable to purchase bi...

Read More

Different Types of Bike Insurance and Its Variants

What are the different variants of bike insurance available at the moment? Read on to find out the various typ...

Read More

Bike Insurance: Should You Buy It from Bike Dealers?

Do you need to buy insurance from a bike dealer? Is it mandatory? The answer may surprise you. Read more to de...

Read More

Everything You Need to Know About Acko Bike Insurance Before...

Acko bike insurance provides two bike insurance policies considering your requirements. They offer mainly thir...

Read More

Bike Insurance Premium for 125cc Engine

Bike insurance varies because of many factors, and one among them is bike capacity. Know the insurance policy ...

Read More