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We're here to help you find the perfect insurance plan. our team will get in touch. Health Insurance Travel Insurance Motor Insurance Home Insurance Lifestyle Insurance

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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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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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Top Add-On Covers to Consider for Your Car Insurance

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Nil Depreciation Car Insurance: Meaning & Benefits

07 July 2026

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

02 September 2026

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How is NCB in insurance calculated?

1 claim-free year: 20% 2 claim-free years: 25% 3 claim-free years: 35% 4 claim-free years: 45% 5 or more years: 50%

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What Is the NCB Slab Structure Set by IRDAI?

● 1 year claim-free: 20% NCB discount on OD premium ● 2 years claim-free: 25% ● 3 years claim-free: 35% ● 4 years claim-free: 45%

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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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Why Doesn't NCB in Insurance Apply to a Third-Party-Only Policy?

The logic behind NCB in insurance is that it rewards policyholders who do not make claims for damage to their own vehicle.

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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.

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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.