No Claim Bonus

[PolicyWala]

I was reading an article on the internet, came across a new term called Protected NCB.
1- What is Protected NCB?

Protected No Claims Bonus (PNCB) is an addition to a policy where protection is added to a customer’s No Claims Bonus to limit it being affected following an accident should they be found to be at fault. Customers can pay to protect it. This ensures that if they have an accident the NCB remains intact.

2- Is it available in India?

3- If yes, how?

It's not available in India. Normal practice in UK.

[Madhura]

Protected No Claims Bonus (PNCB) is an addition to a policy where protection is added to a customer’s No Claims Bonus to limit it being affected following an accident should they be found to be at fault. Customers can pay to protect it. This ensures that if they have an accident the NCB remains intact.
It's not available in India. Normal practice in UK.

But why would someone pay to get the protected NCB?