I’m intending to change from HDFC Ergo to ACKO insurance coverage for my Volkswagen Polo.

BHPian safe_rider lately shared this with various other fanatics.


My Polo 2021 is guaranteed by HDFC Ergo and also I made a solitary case to fix the back bumper. The case is resolved currently, and also all is great. Currently, it’s time for me to restore the plan, and also I would certainly require your assistance in making clear the below:

  • Vehicle was bought in Jan 2021.
  • The insurance coverage has NCB defense and also I made a solitary case up until Jan 2022.
  • Currently, I’m intending to choose ACKO insurance coverage and also I see a concern ‘Did you make an insurance claim in the last plan duration?’ – Ought to I choose ‘Yes’ and also shed 20% or needs to I choose ‘No’ given that I have NCB defense in my existing plan.
  • According to ACKO client treatment agent, the NCB defense stands just if I restore the plan with the very same insurance provider and also NCB defense will certainly not secure me if I restore the plan with an additional insurance provider.

Can a person assist me to comprehend?

Right Here’s what BHPian headers needed to claim regarding the issue:

Also a solitary case does not qualify one to an NCB – No Case Benefit!

One can transform insurer on-line however it does not conserve a lot. NCB transfers are feasible if the leaving insurer’ plan mentioning your NCB is dealt with by the brand-new insurance provider as an appropriate file.

Hope that makes clear.

Right Here’s what BHPianneeraj0272 needed to claim regarding the issue:

According to me, your earlier insurance coverage service provider will offer an NCB certification to you mentioning that you are qualified to whatever NCB you are qualified to. Please allow us recognize whether HDFC Ergo gives you with this certification after you have made an insurance claim? Otherwise then that implies that the NCB Defense strategy is insurance provider reliant and also we will certainly shed this defense if we transform insurance provider after an insurance claim like in your instance.

I have an interest in understanding this as my NCB is 65% and also I, inevitably, take the NCB Defense add-on.

I assume you ought to get in touch with an insurance coverage representative.

Right Here’s what BHPian it was not me needed to claim regarding the issue:

You are heading in the direction of making incorrect insurance claims regarding your existing case condition.

Please keep in mind that ACKO will certainly not recognize any type of NCB throughout real case time. Insurance provider have a common data source regarding such points.

Right Here’s what BHPian adisan needed to claim regarding the issue:

From fundamental research study, it appears to be a conventional condition with various other insurance companies additionally.

So the concern is, which choice exercises less costly?

If proceeding with your existing insurance company, you will certainly obtain the NCB discount rate. What is the overall costs with all your attachments?


If you pick a brand-new insurance company, NCB will likely be 0. What is the overall costs with all your attachments?

Various other variables like simplicity of case procedure, efficiency of RSA, and so on ought to additionally be thought about prior to determining.

Have a look at BHPian remarks for even more understandings and also details.


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