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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 Happens to Your NCB If Repairs Take Too Long After an Accident?

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Does No Claim Bonus Apply to Third Party Car Insurance in India?

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Does a Cashless or Reimbursement Claim Affect NCB Differently?

No. Both are treated the same way. What matters is that a claim was raised, not how it was settled.

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Does No Claim Bonus Apply to Third Party Car Insurance in India?

No. No claim bonus does not accrue on a standalone third-party-only policy, and it never reduces a third-party premium even if you also hold a separate OD policy. Two separate rules explain this clearly: