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What is NCB (No Claim Bonus) in Car Insurance & How it Works?

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NCB Calculation for Car Insurance

Claim free years

No Claim Bonus

After 1 year


After 2 years


After 3 years


After 4 years


After 5 years


Let us understand with an example.

On the first renewal, the policyholder is entitled to a 20% discount if he has not made a claim. In the second renewal, he will receive a 25% discount if he has not made a claim.  

Therefore, his premium would be lesser every year, and he would have saved his money, if he had not made a claim during his policy tenure.

Thus, the money saved on the Own Damage premium increases annually as the discount increases annually, to a maximum of 50%, till there are zero claims.  

When is a No Claim Bonus in Car Insurance Applicable?

Is it a Good Idea to Make Small Claims and Lose No Claim Bonus?

Benefits of NCB in Car Insurance

How to Retain NCB Even After Filing a Claim?

Important Things to Know about No Claim Bonus in Car Insurance

What to do with the No Claim Bonus (NCB) on Your Existing Policy?

How to Claim your No Claim Bonus for a New Vehicle Insurance Policy?

What are the Documents Required for NCB Transfer?

What Happens to NCB if the Vehicle is in an Accident or Stolen?

FAQs about No Claim Bonus in Car Insurance