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For claim assistance in the cyclone affected areas of the EAST, please click here. Similarly, for assistance with claim related queries in the flood affected areas of Kerala and Himachal Pradesh please click here. To get assistance with claims for flood affected regions of Telangana and Andhra Pradesh, please click here.

NCB Retention

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    This add-on is for any private car which is 2 years old or above.


    With this add-on, you can retain your earned No-Claim Bonus (NCB) percentage, even after you've made a claim. Without this additional cover, the NCB would drop to 0% if you've made a claim in the previous car insurance policy period.

    If the value of your car is less than or up to Rs.10 lakhs, you can avail of this add-on while renewing your previous car insurance policy​ with ​​us or even a previous policy from another motor insurance company.

    The retainable NCB is applicable when :​

  • ​​​The N​CB percentage of the vehicle should be 25% and above               
  • One approved accidental claim is made during your car insurance policy period
  • The total value of the claim payment made during your policy period is up to 25% of the value of your car, as     
  •     mentioned in your policy​  
  • Your policy is renewed with us, within 90 days of its expiry, which is the normal grace period for availing NCB
Protects the NCB of the insured even if he/she claims (Own Damage) during the policy period

Benefit:

  • The NCB as per policy is  allowed provided renewal of policy is done with us within 90 days of the expiry of the policy
  • NCB is protected in case of  1 OD claim during the policy period
  • Claim amount should not be more than 25% of IDV

This is Applicable on Annual  Polices Only.