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

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Does Filing a Claim Automatically Reduce Your NCB?

Yes, in most standard policies. A single claim, however small, resets your no claim bonus to zero unless you hold an NCB protection add-on.