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For assistance with claim related queries in the CYCLONE affected regions of Tamil Nadu, Andhra Pradesh, and Kerala, please click here

NCB Retention


    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


  • 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.