Sometimes, even though you are very careful on the road, doesn’t mean that others will be careful too.  In cases like hit-and-run or fake number plate, the victim has to bear the cost of repair work.  How do we protect ourself and not loosing our NCB?  Instead of buying car insurance the traditional way, you can now pay extra premium to protect your NCB.  In any case when your car met in an accident, it won’t affect your NCB at all.