{"id":1587,"date":"2022-08-19T15:24:32","date_gmt":"2022-08-19T09:54:32","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=1587"},"modified":"2022-11-17T10:22:06","modified_gmt":"2022-11-17T04:52:06","slug":"no-claim-bonus-ncb-in-car-insurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/no-claim-bonus-ncb-in-car-insurance\/","title":{"rendered":"No Claim Bonus (NCB) in Car Insurance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/no-claim-bonus-ncb-in-car-insurance\/#What_is_a_No_Claim_Bonus_in_Car_Insurance\" >What is a No Claim Bonus in Car Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/no-claim-bonus-ncb-in-car-insurance\/#How_does_NCB_in_car_insurance_work\" >How does NCB in car insurance work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/no-claim-bonus-ncb-in-car-insurance\/#How_to_calculate_No_Claim_Bonus_in_Insurance\" >How to calculate No Claim Bonus in Insurance?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/no-claim-bonus-ncb-in-car-insurance\/#NCB_can_be_calculated_for_claim-free_years\" >NCB can be calculated for claim-free years:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/no-claim-bonus-ncb-in-car-insurance\/#Facts_about_No_Claim_Bonus_in_Insurance\" >Facts about No Claim Bonus in Insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/no-claim-bonus-ncb-in-car-insurance\/#Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\" >Click on the below links to read some cases resolved by Insurance Samadhan:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>Did you know that your car insurance company gives you a bonus for not claiming and driving well? Every car insurance company provides a \u00a0\u201cNo claim bonus ( NCB )\u201c at the time of renewal to its policyholders as a reward for not claiming during the term of the policy.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-1589 size-full\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/No-Claim-Bonus-NCB-in-Car-Insurance2.jpg\" alt=\"No Claim Bonus (NCB) in Car Insurance\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/No-Claim-Bonus-NCB-in-Car-Insurance2.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/No-Claim-Bonus-NCB-in-Car-Insurance2-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/No-Claim-Bonus-NCB-in-Car-Insurance2-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/No-Claim-Bonus-NCB-in-Car-Insurance2-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/No-Claim-Bonus-NCB-in-Car-Insurance2-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/No-Claim-Bonus-NCB-in-Car-Insurance2-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_No_Claim_Bonus_in_Car_Insurance\"><\/span><strong>What is a No Claim Bonus in Car Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>NCB is a discount on the <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/top-factors-that-could-affect-your-car-insurance-premiums\/\">premium<\/a> offered by an insurer at renewal if there is no claim during the term of the policy for all vehicles. Also, if you decide to buy another car, and you have not made a single claim for your existing car, then also you can avail NCB for your new car.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_does_NCB_in_car_insurance_work\"><\/span><strong>How does NCB in car insurance work?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>NCB is a reward as well as motivation to drive well. If you have not made any <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/dos-and-donts-while-filing-a-motor-insurance-claim\/\">claim<\/a> in the first year, then your insurer will give you a 20% NCB discount. Similarly, if in the consecutive year (2<sup>nd<\/sup> year), you have not claimed, the NCB discount will be 25%. You will keep earning rewards for no claim. This will go on till a 50% discount.<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_calculate_No_Claim_Bonus_in_Insurance\"><\/span><strong>How to calculate No Claim Bonus in Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Insurance companies give access to an NCB calculator on their website. You can visit the website of your insurance company and calculate your NCB for your vehicle.<\/p>\n<p>In India, NCB begins with 20% and can be 50% in maximum:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"NCB_can_be_calculated_for_claim-free_years\"><\/span><strong>NCB can be calculated for claim-free years:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>After 1st year: 20%<\/p>\n<p>After 2nd year: 25%<\/p>\n<p>After 3rd year: 35%<\/p>\n<p>After 4th year: 45%<\/p>\n<p>After 5th year: 50%<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Facts_about_No_Claim_Bonus_in_Insurance\"><\/span><strong>Facts about No Claim Bonus in Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>NCB is considered as evidence of a responsible driver.<\/li>\n<li>NCB can be terminated in the following situations:<\/li>\n<\/ol>\n<ul>\n<li>When a claim is made during a policy year, then NCB will not be allowed in the subsequent year.<\/li>\n<li>If the policyholder fails to renew his policy within 90 days from the date of expiry of the existing policy.<\/li>\n<\/ul>\n<ol start=\"3\">\n<li>NCB for a vehicle insured can only be transferred to a new one of the same class. We cannot transfer the NCB of a two-wheeler to a new car or vice versa.<\/li>\n<li>NCB can never be transferred to the other party. NCB cannot be transferred to the new owner of the already insured car.<\/li>\n<li>In order to transfer the NCB, an NCB certificate from the existing insurer is essential.<\/li>\n<li>At the time of renewal, NCB can be transferred from one insurance company to another.<\/li>\n<li>The benefit of NCB is only offered with the Own Damage cover. You cannot avail the NCB against a third-party cover.<\/li>\n<li>If in a car accident, the fault of the driver cannot be determined, then expenses will be divided into the two (with the third party), then no claim bonus will be affected.<\/li>\n<\/ol>\n<p>Insurance Samadhan has resolved 14500+ customer complaints related to insurance. If you want any guidance, then you can contact us. We\u2019ll be happy to help you.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\"><\/span>Click on the below links to read some cases resolved by Insurance Samadhan:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/5-reasons-why-health-insurance-claims-get-rejected-amid-covid-19\/\">Health Claim Rejection amid Covid-19<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Mis-selling in life insurance policy<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/\">Death Claim Rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p>You can also<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/no-claim-bonus-ncb-in-car-insurance\/\"\n  },\n  \"headline\": \"No Claim Bonus (NCB) in Car Insurance\",\n  \"description\": \"NCB is a reward as well as motivation to drive well. If you have not made any claim in the first year, then your insurer will give you a 20% NCB discount. Similarly, if in the consecutive year (2nd year), you have not claimed, the NCB discount will be 25%. You will keep earning rewards for no claim. This will go on till a 50% discount.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/No-Claim-Bonus-NCB-in-Car-Insurance2.jpg?resize=768%2C432&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Shailesh Kumar\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2022-08-19\",\n  \"dateModified\": \"2022-08-20\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Did you know that your car insurance company gives you a bonus for not claiming and driving well? Every car insurance company provides a \u00a0\u201cNo claim bonus ( NCB )\u201c at the time of renewal to its policyholders as a&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/no-claim-bonus-ncb-in-car-insurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1588,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[12],"tags":[77,72,73,78,71,76,79,74,75],"class_list":["post-1587","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance","tag-calculation-of-ncb","tag-car-insurance","tag-ncb","tag-ncb-calculation","tag-ncb-in-car-insurance","tag-ncb-in-insurance","tag-no-claim-bonus-calculation","tag-no-claim-bonus-in-car-insurance","tag-no-claim-bonus-in-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - 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