Find your vehicle insurance No Claim Bonus discount based on consecutive claim-free years.
0 years: 0% · 1 year: 20% · 2 years: 25% · 3 years: 35% · 4 years: 45% · 5+ years: 50% (most insurers cap NCB at 50%).
Illustrative estimate only — actual premiums and payouts depend on the insurer's underwriting, medical checks, and policy terms. Always get a quote directly from a licensed insurer.
No Claim Bonus (NCB) is a discount on your car or bike insurance's own-damage premium for staying claim-free, and the slabs are fixed by IRDAI under the Indian Motor Tariff regulations — identical across every insurer, so no company can offer you a better NCB rate than another. The structure is 20% after 1 claim-free year, 25% after 2 years, 35% after 3 years, 45% after 4 years, and 50% after 5 or more consecutive claim-free years, which is also the maximum — there is no way to reach 55% or higher no matter how many years you go without a claim.
The rule that catches people out most often: NCB applies only to the own-damage (OD) portion of your premium, not the third-party (TP) portion, so the effective discount on your total premium is always smaller than the headline NCB percentage suggests. It's also all-or-nothing per policy year — filing even a single small claim resets your NCB to zero immediately, regardless of how many claim-free years you'd built up before. This is exactly why a small claim (a minor scratch or dent) is often not worth filing: the NCB you lose, compounding over future years, frequently costs more than the repair bill itself. NCB is also portable — it follows you to a new insurer or a new vehicle, as long as you provide the NCB certificate from your previous policy, so it's never worth letting it go to waste by switching insurers without transferring it.
20% after 1 claim-free year, 25% after 2 years, 35% after 3 years, 45% after 4 years, and 50% after 5 or more consecutive claim-free years. These are fixed by IRDAI under the Motor Tariff regulations and are identical at every insurer — none can offer a higher rate.
No — NCB only discounts the own-damage (OD) portion of your premium, not the third-party (TP) portion. This means the actual rupee saving on your total premium is always smaller than the NCB percentage alone would suggest, since TP premium is unaffected.
It resets to zero immediately, regardless of how many consecutive claim-free years you had built up. This is why insurance advisors often recommend not filing a claim for very minor damage — the NCB lost (and the years needed to rebuild it) can cost more over time than simply paying for a small repair out of pocket.
Yes — NCB is portable. It transfers to a new insurer or a new vehicle as long as you provide the NCB certificate (or retention letter) from your previous insurer when buying the new policy. Always request this document when your policy ends, even if you're not switching immediately, so you don't lose the proof later.