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What Happens to NCB If The Car Insurance Renewal is Delayed?

10 April 2026

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Does Filing a Small Claim Always Mean Losing Your No Claim Bonus?

21 May 2026

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What happens if you Switch Insurers While Renewing Car Insurance?

When switching insurers, the accumulated NCB can usually be transferred to the new car insurance provider and policy.

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How to Transfer NCB?

Since NCB is linked to the policyholder, when you sell your car or switch the insurance, you can transfer the NCB and retain the benefits. Here's how to do so:

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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, NCB conditions, and renewal rules may vary between insurers offering car insurance plans in India.

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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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Our team will contact you shortly to provide personalized assistance with your insurance plan. Table of Content What is NCB in Car Insurance, and How Does It Work?

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Thank you for your interest!

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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What is NCB in Car Insurance, and How Does It Work?

No claim bonus discount typically starts at 20% and may go up to 50% after several claim-free years. The NCB applies primarily to own damage coverage, not to third-party car insurance, benefiting drivers who maintain claim-free records with lower premiums.

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FAQs

The benefits of NCB in insurance vary depending on the number of years. It usually starts at 20% after the first claim-free year and can extend up to 50% after five consecutive claim-free years.