NCB kya hai?
No Claim Bonus (NCB) ek reward hai jo insurance company aapko tab deti hai jab aap apne policy period ke dauraan koi bhi claim nahi karte. Ye reward agle saal ke insurance renewal premium par discount ke roop mein diya jata hai.
NCB kaise milta hai?
- Agar aapne poore policy year mein koi bhi claim nahi kiya, to aapko agle renewal par NCB milega.
- Ye discount 20% se start hota hai aur har saal badhkar maximum 50% tak pahunch sakta hai.
- NCB ko transfer bhi kiya ja sakta hai jab aap vehicle badalte hain ya insurer change karte hain.
NCB Slab Rate:
| Continuous Claim-free Year | NCB Percentage |
|---|---|
| 1 year | 20% |
| 2 years | 25% |
| 3 years | 35% |
| 4 years | 45% |
| 5 years or more | 50% (maximum) |
Extra benefit: Achhi claim history ka reward
Agar aapki claim history achhi hai aur aapke paas NCB accumulate hai, to agle saal:
- Aapko NCB discount to milega hi,
- Balki insurance company apne taraf se bhi aapko own-damage premium par extra discount de sakti hai.
- Isse aapka renewal premium aur bhi kam ho jaata hai, kyunki company ko lagta hai ki aap ek safe driver hain aur aapke claim karne ke chances kam hain.
- Yaani achhi claim history ka reward double milta hai: NCB + additional loyalty ya safe-driver discount.
No Claim Bonus Protection kya hai?
NCB Protection ek add-on cover hai jo aapke No Claim Bonus ko protect karta hai, chahe aapne chhota claim bhi liya ho. Iska matlab:
- Aap claim lene ke baad bhi apna accumulated NCB lose nahi karenge.
- Conditions hoti hain, jaise limited number of claims allowed hote hain aur claim ka amount bhi limit ke andar hona chahiye.
Galat NCB dene par kya hota hai?
- Insurance company policy ko reject kar sakti hai ya NCB recover kar sakti hai.
- Wrong declaration ko fraud maana ja sakta hai aur claim reject ho sakta hai.
- Insurance company aapko future mein blacklist bhi kar sakti hai.
- Aapko revised premium bhi dena pad sakta hai.
FAQs (Frequently Asked Questions)
1. Kya NCB har saal badhta hai?
Haan, har claim-free year ke baad aapka NCB badhta hai aur 50% tak ja sakta hai.
2. Agar maine chhota claim liya, kya mera NCB khatam ho jayega?
Haan, bina NCB protection ke ek chhota claim bhi aapka pura NCB khatam kar sakta hai.
3. Kya NCB transfer ho sakta hai?
Haan, NCB aapke naam par hota hai, vehicle-specific nahi. Aap apne naye vehicle ya naye insurer ke saath ise transfer kar sakte hain.
4. Kya third-party policy par bhi NCB milta hai?
Nahi, NCB sirf own-damage portion par hi lagta hai.
5. Policy lapse hone ke baad bhi NCB milta hai kya?
Agar aap policy lapse hone ke 90 din ke andar renew kar lete hain, to NCB continue rahta hai. Uske baad expire ho jata hai.
6. Kya zero-depreciation policy lene par bhi NCB ka loss ho sakta hai?
Agar aapne claim liya hai, to zero-depreciation hone ke bawajood aapka NCB lose ho sakta hai (agar NCB protection nahi liya hai to).
7. Kya galat NCB dena fraud mana jata hai?
Haan, galat NCB declare karna fraud ke category mein aata hai. Isse aapka policy cancel ho sakta hai aur claim reject bhi kiya ja sakta hai.
