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Everything You Need To
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Of NCB In Car Insurance

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Protection of NCB

As a vehicle owner, you must take the first step of insuring your car against any kind of accidental damages on the road. A sound insurance plan can protect you from heavy financial liabilities in the event of damages to your car due to road mishaps or other incidents. The Indian motor laws already mandate a third-party insurance plan to be purchased by all car owners. You should take additional measures and insure your car against damages on the road. SBI General Insurance offers Private Car Insurance Policy- Package at a very nominal premium so that you can get the best protection plan for your car. Moreover, you can avail the Protection of No Claim Bonus add-on in car insurance.

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What is a No Claim Bonus?

A No Claim Bonus (NCB) in car insurance is a benefit that you can receive when you renew your insurance policy after one annual insurance term gets completed without. The No Claim Bonus in car insurance is awarded to you in the form of a discount when you renew your car insurance policy. The No Claim Bonus is only offered if you don’t make any insurance claims during your insurance policy period. The NCB in car insurance can be understood as a bonus from the insurance company to commend you for your safe and accident-free driving. The discount percentage of your No Claim Bonus can increase in subsequent years. If you keep availing the NCB in consecutive policy terms, the discount offered increases. The discount increases every claim-free year for up to 5 years.

Key Features and Benefits of NCB in Car Insurance

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What is the Protection of NCB Add-On in Car Insurance?

If you are purchasing a Private Car Insurance Policy – Package from SBI General, you can opt for the Protection of No Claim Bonus add-on cover. This add-on cover provides you with coverage for your NCB even if you make an insurance claim during your policy period. You can make up to one insurance claim for your car and still avail the NCB when you opt for this add-on cover.

Anyone who is holding / enjoying no claim bonus which is more than 25% should consider opting for Protection of NCB Add-On.

FAQs

No. The NCB bonus is only available for comprehensive car insurance policies. Thus, it is not available if you only opt for a third-party insurance policy.

The NCB will become void even if you make an insurance claim for even a minimal amount. The NCB does not depend on the amount of insurance claimed. It depends on whether any insurance claims were made in general or not.

No. If your NCB is applicable during the renewal of your policy, the discount will be applied automatically.

Private Car Insurance Policy - Package (UIN: IRDAN144RP0005V03201112)

Protection of NCB (UIN: IRDAN144RP0005V03201112/A0006V01202122)

Disclaimer: The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.

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© 2024 SBI General Insurance Company Limited | All Rights Reserved.

SBI General Insurance Company Limited I Corporate & Registered Office: 9th Floor, A & B Wing, Fulcrum Building, Sahar Road, Andheri(East), Mumbai - 400099 | For more details on risk factors, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale. 'For SBI General Insurance Company Limited IRDAI Reg. No. 144 dated 15/12/2009 | CIN: U66000MH2009PLC190546 | SBI Logo displayed belongs to State Bank of India and used by SBI General Insurance Co. Ltd. under license.

"SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products."

SBI General Insurance does not accept cash towards payment of premium against your policy. You may pay the premium against your policy through other modes like NEFT/ Debit card/ Credit card or visit our nearest branch.

You are advised not to make any payment into personal bank account/UPI Id of any employee of SBI General Insurance. Please undertake all transactions (financial or otherwise) only through registered SBI general branches or registered Agents/POSP/Intermediaries of SBI General Insurance or through our website.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS. IRDAI or its officials do not engage in activities like selling insurance policies, announcing bonuses, or investing premiums. The public receiving such phone calls is requested to lodge a police complaint.

For any unclaimed amount held by the Company or to update the contact details, bank details and nominee details please write to us at customer.care@sbigeneral.in or call us on 1800 102 111.

To check the unclaimed policy details you can access the following link - https://www.sbigeneral.in/unclaimed-policy-details

Any Legal Interpretation will be communicated in English Language only.

www.sbigeneral.in | 1800 102 1111

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