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In case of a small accident with bumper damage, can you file the claim?

This information is based on standard motor insurance guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI) and commonly followed industry practices. Policy coverage and conditions may vary by insurer.

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Expert Note

This information is based on standard motor insurance guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI) and commonly followed industry practices. Policy coverage and conditions may vary by insurer.

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What is No Claim Bonus?

NCB in insurance refers to the discount you receive on the premium if you did not file for any claims during the preceding policy period. It is a reward for maintaining your vehicle and safe driving habits. You could receive significant premium benefits.

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What Is No Claim Bonus or NCB in Car Insurance?

No claim bonus, commonly known as an NCB , is a discount insurers give you for every consecutive year you complete without filing an own-damage claim. It exists to reward the careful drivers and to keep low-risk customers from subsidising accident-prone ones.

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How Much NCB Can You Accumulate?

No Claim Bonus (NCB) is awarded for every claim-free year within the comprehensive or standard own-damage car insurance policy. The standard NCB slab, as per the industry practice, aligned with the guidelines from the Insurance Regulatory and Development Authority of India, is as follows:

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What Is No Claim Bonus or NCB in Car Insurance?

No claim bonus, commonly known as an NCB , is a discount insurers give you for every consecutive year you complete without filing an own-damage claim. It exists to reward the careful drivers and to keep low-risk customers from subsidising accident-prone ones.