No Claim Bonus (NCB) in Car Insurance: Complete Guide (2026)

No Claim Bonus (NCB) can save you up to 50% on your car insurance premium. Yet many car owners lose it unnecessarily.

What Is NCB? NCB is a discount on your own damage premium for not making claims during a policy year.

NCB Slabs:

• 1 claim-free year: 20%
• 2 years: 25%
• 3 years: 35%
• 4 years: 45%
• 5+ years: 50%

How to Protect Your NCB:

1. Do not file small claims - if claim amount is less than NCB discount, pay out of pocket
2. Renew on time - even a one-day lapse resets NCB
3. Port your policy - NCB transfers when switching insurers
4. Buy NCB protection add-on

When You Sell Your Car: NCB is attached to the policyholder, not the car. Get an NCB retention certificate from your insurer.

Need help with car insurance? Contact Insurance Support to compare quotes and maximize your NCB.