NCB Protection Add-on Cover in Bike Insurance

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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.

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