Year 1 (no claim)
20% discount on Own Damage premium at first renewal.
No Claim Bonus
Understand your NCB before you claim.
Understand your No Claim Bonus (NCB) before filing a claim. NCB is a renewal discount earned for claim-free years that can cut your Own Damage premium by up to 50%.
What is NCB
A reward for driving carefully.
The No Claim Bonus is a discount insurers give on your Own Damage premium at renewal, as a reward for a claim-free year. It applies only to the OD component, not to Third Party premium.
NCB slabs
How the discount grows year on year.
Year 2 (no claim)
25% discount.
Year 3 (no claim)
35% discount.
Year 4 (no claim)
45% discount.
Year 5+ (no claim)
50% discount (the maximum).
NCB Slab Calculation
Learn exact formulas and multi-year savings in our guide: [NCB Slabs Explained: How Much Can You Save Over the Years?](/learn/renewal-guide).
Any claim in a year
NCB resets to 0% at the next renewal, unless you have NCB Protection add-on.
NCB transfer
Take your NCB to a new vehicle.
When you sell your vehicle, ask us for an NCB retention letter. It's valid for three years and lets you apply the same NCB to the Own Damage premium of your next vehicle, even with a different insurer.
Should you claim?
The math before you file a small claim.
If the repair cost is close to what you'd save from your NCB next year, it may be cheaper to pay out of pocket. Talk to us before you file: we'll calculate the trade-off and let you decide.
Our Commitment
Protect your NCB.
Add an NCB Protection add-on at your next renewal for a small extra premium. One claim won't reset your bonus.