How much does your no-claim bonus actually save?
Your NCB can slash your own-damage premium by up to 50%. Enter your base premium and select your NCB slab to see the exact discount and your final payable amount.
Premium & NCB details
NCB slab-wise breakdown
See how your discount and payable premium change across every NCB slab. The highlighted row is your current selection.
| NCB slab | Discount amount | Net premium | Total payable | You save |
|---|
Premium vs. NCB slab
The blue bars show your net premium at each NCB slab. The orange line shows the discount amount — higher NCB means a smaller premium and bigger savings.
Net premium and discount by NCB slab
Based on your base premium of ₹12,000
Four things to know about your NCB
Your no-claim bonus is simple but has a few important rules.
1. It grows every claim-free year
You start at 20% after one claim-free year, then 25%, 35%, 45%, and 50% after five or more claim-free years. It stays at 50% for as long as you don't claim.
2. One claim resets it to zero
If you make a claim, your NCB drops back to 0% at renewal. That's why small claims are often better paid out of pocket than claimed.
3. It applies only to own-damage
NCB reduces the own-damage premium, not the third-party liability premium (which is fixed by law) or add-on covers like zero depreciation.
4. It's transferable between insurers
If you switch insurers at renewal, your NCB carries over — just provide the previous policy and a no-claim certificate. Don't lose it by switching without proof.
Frequently asked questions
Common questions about no-claim bonus and how it affects your premium.
A discount on your own-damage premium for every claim-free year. It starts at 20% after one year and goes up to 50% after five or more claim-free years.
NCB discount = Base premium × NCB%. Net premium = Base premium − Discount. GST and add-ons are applied after the discount.
No. NCB applies only to the own-damage portion of your premium. Third-party liability premium is fixed by the regulator and is not discounted.
Your NCB resets to 0% at the next renewal. You'll need to build it back up year by year. This is why small claims are often better paid out of pocket.
Yes. Provide your previous policy and a no-claim certificate from the old insurer. The new insurer will apply the same NCB slab.
No. Add-on covers like zero depreciation, engine protection, or roadside assistance are priced separately and are not discounted by NCB.
You typically have a grace period (usually 30 days for car insurance). If you renew within it, NCB is preserved. Renewing after the grace period means losing your NCB.
50% after five or more consecutive claim-free years. It stays at 50% as long as you don't make a claim.
No. NCB is only a premium discount. Your claim settlement is unaffected by it. The only impact is that a claim resets your NCB at renewal.
No. Everything runs in your browser. Nothing is uploaded, tracked, or stored.
Very close. Insurers may round differently and may have minimum premium rules. Use these figures for planning, then confirm with your insurer's final quote.
Ready to renew? Make sure you claim your NCB.
Always carry forward your no-claim bonus — it can save you thousands every year.
