Kiwi General Insurance has introduced the Super NCB feature, allowing policyholders to accumulate NCB of up to 90% - described as an industry-first by the insurer. According to reports from Mint, this represents a significant departure from conventional motor insurance where NCB typically resets to zero after each claim. Under Kiwi's system, a claim reduces the NCB by only one level, meaning a policyholder at 90% NCB would drop to 80%, while someone at 80% would drop to 70%.
The Super NCB feature has demonstrated strong early market acceptance since its launch in June 2026. As reported by Mint, Kiwi General Insurance has sold approximately 5,500 policies with around 98% attachment to Super NCB. The insurer's chairman and founder, Neelesh Garg, emphasized that the feature is designed to reward policyholder driving behavior and claims history rather than punishing customers for legitimate claims.
Under traditional motor insurance, NCB provides a 20% discount after the first claim-free year, rising to 50% after five consecutive claim-free years. According to Mint reports, this benefit applies only to own-damage premiums and carries over when policyholders switch insurers. The conventional system typically resets NCB to zero after any claim, creating a dilemma for customers deciding whether to claim smaller damages to protect their accumulated discounts.
Beyond Super NCB, Kiwi has introduced Flexi Repair, which allows policyholders to bank minor damages and combine them with larger repair claims later. As reported by Mint, this addresses the economic challenges of multiple small claims, each requiring separate deductibles and processing charges. The insurer also addresses the conventional system's limitation where customers switching insurers after making claims typically lose their accumulated NCB, instead assessing previous claims history and driving behavior to determine appropriate discounts.
The Super NCB feature represents a significant innovation in motor insurance, with industry experts noting its unusual structure and customer-friendly approach. According to Mint reports, CoverSure's Saurabh Vijayvergia described it as an interesting innovation, particularly the level-down mechanism. However, the feature is not available for customers transferring cars, as it's designed to reward individual driving behavior and claims history. The success of these innovative features will serve as a test case for whether customers value flexibility in a market where conventional incentives often encourage claim avoidance.
