How to increase your NCB discount in motor insurance?

To increase the No Claim Bonus (NCB) in motor insurance, policyholders can follow several strategies and practices. NCB is a reward offered by insurance companies to policyholders for not making any claims during the policy term. Here are some tips to increase NCB:

• Drive Safely and Responsibly: Avoid accidents and drive defensively to minimise the risk of claims. Safe driving habits reduce the likelihood of accidents and help maintain a claim-free record, thereby earning higher NCB discounts over time.
• Renew Policy Without Claims: Renew the motor insurance policy regularly without making any claims. Continuous renewal of the policy without claims helps accumulate NCB discounts year after year.
• Opt for Voluntary Deductibles: Consider opting for voluntary deductibles, which are additional deductibles chosen by the policyholder apart from the compulsory deductible. Opting for higher voluntary deductibles can reduce the premium cost and encourage policyholders to avoid minor claims, thereby preserving NCB.
• Transfer NCB to New Vehicle: If you sell your existing vehicle and purchase a new one, you can transfer the accumulated NCB to the new vehicle’s insurance policy. This allows you to retain the NCB discounts earned on the previous vehicle and apply them to the premium for the new vehicle’s insurance policy.
• Buy NCB Protection Cover: Some insurance companies offer NCB protection covers as add-ons to motor insurance policies. NCB protection cover safeguards the accumulated NCB in case of a claim, allowing policyholders to 
• retain their NCB discounts even after making a claim during the policy term.