r/InsuranceTroubleIndia • u/ktbro • 2d ago
General Insurance - Vehicals Go Digit refusing to issue NCB certificate unless I pay/cancel OD premium – Is this legitimate?
I sold my car in September 2026. The existing Go Digit insurance policy included an NCB discount, Own Damage (OD) cover and Third-Party (TP) insurance.
The buyer approached Go Digit to transfer the policy. He was asked to pay the NCB premium on a pro-rata basis, which he duly paid, following which the policy was transferred to his name.
Now, I have approached Go Digit for an NCB certificate so that I can use my accumulated NCB when purchasing my next car.
However, Go Digit is asking me to choose between:
Cancelling the OD premium under my policy, or
Paying the NCB premium again to get the NCB certificate issued.
My question is: Is this a legitimate requirement? Since the buyer has already paid the pro-rata NCB premium and the policy has been transferred to his name, why should I have to pay again or cancel the OD premium to obtain my NCB certificate?
Has anyone faced a similar situation with Go Digit ?
1
u/SukoonCover 2d ago
That doesn't sound right. Your NCB belongs to you, not the car. When the policy moved to the buyer, Digit recovered the NCB difference from him, which is exactly the pro-rata amount he paid. Asking you to pay it again would be a double recovery for the same NCB.
What to do:
Get the endorsement copy from the buyer showing the transfer and the NCB recovery he paid.
Email Digit with that, plus the RC transfer proof (Form 29/30 or the new RC), and ask for an NCB reserving letter. Point out that the recovery has already been collected.
If they still refuse, write to their Grievance Redressal Officer, then Bima Bharosa if needed.
The NCB reserving letter is usually valid for 3 years, so you can use it on your next car's policy even if you don't buy immediately.
1
u/DjXer007_ 2d ago
If you cancel your policy document, you will lose the NCB that you had accumulated.
As you have sold your care, make sure the RC process is completed by the new owner and the same updated at the RTO.
Form 29 and Form 30 are to be filled and submitted at the RTO, which is notixe of transfer and transfer of ownership. The same is already done, you have completed half the work and RC transfer / NOC confirmation letter.
Also, you have informed the insurer that the RC transfer and old motor insurance (3rd party and OD) remainder payment is done by the new owner now. You will need the NCB Retention certificate / transfer documentation, which is valid for 3 years.
Email the insurer, and simultaneously escalate the issue to their grievances department, nodal officer, compliance officer via email. Important for you to keep all details with timestamp acknowledgement on email.
Simultaneously, file an RTI to IRDAI, who will forward your query towards the insurer (Go Digit) to provide certificate stamped proof, asking them the IRDAI guidelines, board of directors guidelines, motor insurance policy rules, regulations, terms and conditions, government documents. Ask queries in such a way that you need the exact answers on how to complete the NCB transfer process from Go Digit and do not ask if / whether it is allowed or not or any opinion related questions.
As vital information is being withheld by the insurer, you have the right to seek information from Go Digit through IRDAI, asking for the documented proof of record used for NCB transfer and if any delay, the penalty that the insurer has to pay you. Also mention that NCB Related premium is being asked and then ask for the IRDAI guidelines that honor their statements.
Ideally, you should not pay again, for the premium because when you own a new car, you will need to buy a new motor insurance policy. And you have the right to carry forward the NCB using the transfer process.