Motor NCB: how not claiming for 3 years saves you ₹9,000
No-claim bonus demystified — protect it, transfer it, and know when to claim anyway.
No-claim bonus is a discount on your own-damage premium — 20% after 1 claim-free year, 25% after 2, 35% after 3, 45% after 4 and 50% after 5. On a ₹20,000 own-damage component, 50% NCB saves you ₹10,000 — every year until you claim.
When to claim and when not to
Scratch costing ₹4,500? Don't claim if you have 35%+ NCB — you'll lose more at renewal than you gain. Accident that needs 40,000 of body work? Claim — NCB is meant to be used when it hurts. Add NCB protect for about ₹600 and you keep the slab even after one small claim.
Three rules
- NCB belongs to the owner, not the car — transfer it when you sell and buy new.
- You have 90 days after expiry to retain NCB if you pause — don't let it lapse.
- Declare past claims honestly — a hidden NCB forgone at inspection is a repudiation later.
View MotorCare Comprehensive — zero-dep + engine protect + NCB protect from ₹8,990.