The NCB earned on the vehicle is 25% or more and no claims in the premium 2 years or a brand new vehicle entitled to 25% or more NCB can opt for this cover. This NCB will be protected if not more than one claim is made during the policy period provided that the renewal is affected on or before 90 days of expiry of the policy. The clause also provides that claims for damage to all glasses or partial theft of accessories only have occurred and no other damages to the insured vehicle have been claimed, the loss will not be treated as a claim by the insured. In the event of theft of vehicle, if insured purchases a new vehicle and insures with the insurer within 90 days of the theft, the existing NCB will be applicable. In effect the loss will not be treated as a TL/CTL. The insured is required to provide Renewal Notice or copy of previous policy with declaration of NCB along with the proposal form to avail of this cover.