To change the NCB value, please login to acko.com. On your policy card, please click 'View Details'. On clicking the view details, you will be redirected to the policy details page where you will see an 'Edit Policy' button. Once you click on the edit policy button, a new pop-up will open with all the possible types of changes you can make in the policy. Edit the NCB and update the new NCB Value. As per the new NCB Value, your premium will be re-calculated and accordingly, once you make additional payment in case of an increase in premium, the new policy copy with the updated details will be generated.. In case the new premium is lesser (increase in NCB) a refund will be initiated and the new policy copy with the updated details will be generated.