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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?

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What is NCB in Car Insurance, and How Does it Benefit You?

NCB in car insurance is a discount offered for not making any claims during a policy period, helping you reduce renewal premiums.

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Our team will contact you shortly to provide personalized assistance with your insurance plan. Table Of Content Introduction What is No Claim Bonus? How Much NCB Can You Accumulate?

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Our team will contact you shortly to provide personalized assistance with your insurance plan. Table of Content Introduction What is NCB in Car Insurance, What Are The Benefits of NCB?

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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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Nil Depreciation Car Insurance: Meaning & Benefits

No Claim Bonus (NCB) in car insurance is a reward given by a car insurance company to policyholders like you when you do not make any claims in the policy year. NCB is offered as a discount on the policy premium when renewing or buying car insurance online. The no claim bonus increases progressively with each claim-free year and can go up to 50% under standard guidelines. Understanding what NCB in car insurance is helps you reduce renewal costs. However, the benefit is lost if a claim is made, unless you have an NCB protection add-on. Note that NCB is linked to the policyholder, not the vehicle.