NCB Protection (NCB Protector) add-on cover protects the No Claim Bonus earned until previous year, even if there is a claim in this year’s policy. No Claim bonus (NCB) is applicable on renewal of the policy for every claim free policy year.
Normally, in the event of any claim, this discount is withdrawn completely when you renew your insurance and NCB becomes NIL. So, it is better to opt for this NCB Protector add-on cover, if you want to get NCB earned up to the previous year.
NCB Protector benefit is available for limited number (1 or 2) of own damage claims only. If you have had more than 1 or 2 number of claims, as specified by the insurer in one year, then your NCB will become NIL.