# ‘Excess’: Insured, but still responsible — retained record

> Retained news record from news:india-hindu-business.

Canonical: https://highsignal.app/data/records/30ece0a96922b2ad

[← sources](https://highsignal.app/data)


source: [news](https://highsignal.app/data/news) (news:india-hindu-business)  published 2026-10-25 11:19 ingested 2026-10-26 02:57

[original source ↗](https://www.thehindu.com/business/excess-insured-but-still-responsible/article71623110.ece)

## retained text



```
The NCB rewards claim-free years, either through a discount on renewal premium or an increase in the sum insured, depending on the type of policy.
```



document fetched 2026-10-26 02:57 · canonical https://thehindu.com/business/excess-insured-but-still-responsible/article71623110.ece