No-Claim Bonus (NCB) Continuity / Grace Period
No-Claim Bonus (NCB) Continuity / Grace Period. The accumulation of NCB (20% - 25% - 35% - 45% - 50% over 5 consecutive claim-free years), the loss of NCB. — DigiSurvey.
What it covers क्या कवर होता है
The accumulation of NCB (20% - 25% - 35% - 45% - 50% over 5 consecutive claim-free years), the loss of NCB on claim (reverts to 0% unless NCB Protection add-on is in force), and the renewal grace period for carrying forward NCB.
NCB का जमाव (लगातार 5 claim-free वर्षों में 20% - 25% - 35% - 45% - 50%), क्लेम लेने पर NCB का नुकसान (NCB Protection add-on न हो तो 0% पर वापस), और NCB continuity के लिए renewal grace period।
Surveyor's verdict / key conditions सर्वेयर की जाँच
Standard slabs — year 1: 20%; year 2: 25%; year 3: 35%; year 4: 45%; year 5 onwards: 50%. On ANY claim (even small) NCB resets to 0% unless NCB Protection is in force. Grace period for renewal with NCB continuity is typically 90 days from policy expiry — if renewal is beyond that gap, NCB is forfeited and starts from 0%. On a change of vehicle, NCB is retained if the previous NCB certificate is produced within the grace window. Verify from the renewal / NCB-reserving letter and the previous insurer's system. On TL settlement, 2 years' NCB is counted lost (not just the current year).
मानक slabs — वर्ष 1: 20%; 2: 25%; 3: 35%; 4: 45%; 5 और बाद: 50%। किसी भी claim पर (छोटे पर भी) NCB शून्य, जब तक NCB Protection न हो। NCB continuity के साथ renewal grace आमतौर पर policy expiry से 90 दिन — उससे अधिक gap पर NCB forfeited, 0% से शुरू। गाड़ी बदलने पर पिछला NCB certificate grace window में पेश करने पर NCB retained। renewal / NCB-reserving letter और पिछली बीमा कंपनी के system से verify करें। TL settlement पर 2 साल का NCB loss (सिर्फ़ चालू वर्ष नहीं)।
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