No Claim Bonus (NCB) is applicable on the Own Damage premium and grows every claim-free year:
Year 1: 20% • Year 2: 25% • Year 3: 35% • Year 4: 45% • Year 5+: 50%
NCB is linked to the vehicle owner (not the vehicle) and transfers when you buy a new car or bike. Protect it with NCB Protection Cover — one claim without protection resets it to zero.
Yes. Under the Motor Vehicles Act, 1988, a minimum Third Party Motor Insurance policy is mandatory for every vehicle on Indian roads — cars, bikes, trucks, buses, auto rickshaws, and e-rickshaws. Driving without valid insurance attracts a fine of ₹2,000 for the first offence and ₹4,000 for subsequent offences, along with potential imprisonment.
Third Party motor insurance covers only your legal liability to others — bodily injury, death, and property damage. It is mandatory but does not cover damage to your own vehicle. Comprehensive motor insurance adds Own Damage (OD) Cover for your own vehicle — protecting against accidents, fire, theft, and natural calamities. Comprehensive is strongly recommended for all vehicles under 10 years old.
Zero Depreciation (also called Nil Dep or Bumper-to-Bumper cover) is an add-on that ensures parts are reimbursed at full replacement cost without any depreciation deduction. Standard policies deduct 25–50% on rubber, plastic, and fibre parts. Zero Dep is the most impactful add-on for vehicles under 5 years old — available for cars, two-wheelers, and commercial vehicles.
No Claim Bonus (NCB) is a discount on your Own Damage premium for every consecutive claim-free year: 20% (year 1), 25% (year 2), 35% (year 3), 45% (year 4), and 50% (year 5+). NCB is linked to the vehicle owner — it transfers when you buy a new vehicle. Making a claim resets NCB to zero unless you have NCB Protection Cover.
Standard comprehensive motor insurance covers the EV battery as part of the vehicle for sudden and accidental damage. However, battery degradation (capacity loss over time) is excluded as wear-and-tear. Specialised EV insurance policies include a dedicated battery endorsement for more comprehensive protection. Always verify battery cover terms when buying EV insurance for your electric car, scooter, or e-rickshaw.
Yes. TropoGo supports expired motor insurance renewal (break-in renewal). For policies expired within 90 days, renewal is usually possible but the insurer may require a vehicle inspection before reinstating OD cover. All accumulated NCB is forfeited on a lapsed policy. For policies expired over 90 days, a fresh physical inspection is mandatory. Renew as early as possible to preserve NCB and legal compliance.
Commercial vehicles (trucks, lorries, taxis, buses, auto rickshaws, e-rickshaws) require Commercial Vehicle Insurance — not private vehicle insurance. Key mandatory covers include Third Party liability and Passenger Carry Liability (for passenger-carrying vehicles). Optional covers include Goods in Transit, Zero Depreciation, Roadside Assistance, and Driver/Cleaner PA. Fleet operators with 5+ vehicles can access consolidated fleet policies through TropoGo.
