Motor Insurance NCB Calculator India
Estimate India motor insurance no-claim bonus percentage and Own Damage premium discount from claim-free renewal history.
Estimate motor insurance NCB in India
Calculate the standard no-claim bonus step and its estimated discount on the Own Damage portion of a motor premium.
How motor insurance No Claim Bonus works in India
IRDAI explains that No Claim Bonus (NCB) is a benefit on the Own Damage (OD) premium for claim-free years, generally starting at 20% and increasing up to 50%. It belongs to the insured rather than the vehicle and can generally be carried when changing insurers with appropriate proof. IRDAI motor insurance consumer information.
Standard NCB progression used by this calculator
The estimate uses the commonly prescribed progression of 20%, 25%, 35%, 45% and 50% after one through five consecutive claim-free years. A claim in the expiring policy period is treated as resetting the standard NCB to zero for the estimate.
NCB applies to Own Damage, not the full premium
Motor insurance quotes can contain Own Damage, third-party liability, add-ons, taxes and other components. Applying the NCB percentage to the full invoice would overstate the discount. Enter only the pre-NCB OD premium in this calculator.
Renewal terms can change the result
Policy lapses, claim-protection add-ons, transfer documentation, vehicle changes and insurer/product wording can affect eligibility. Use this result as a renewal estimate and confirm the actual NCB percentage on the insurer's quote or certificate before purchase.