What is No Claim Bonus in Car Insurance? - Bharti AXA GI&&No claim bonus is discount given by the insurer to the policyholder for making no claims. To learn more about No Claim Bonus read this article and make sure you choose the best insurance available.&&

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What is No Claim Bonus in Car Insurance?

What is No Claim Bonus in Car Insurance?


Did you know apart from being safe, responsible driving can give you monetary benefits  as well? You read that right. You can get a No Claim Bonus (NCB) for driving safely. Here’s everything you need to know about the No Claim Bonus.

Decoding No Claim Bonus

As a car owner, you ought to be having a car insurance. Consider this: Throughout the policy period, you drove carefully and ensured that nothing harmed either your car or you. If you do not file any claim with the insurer, you become eligible for a discount on premium for the next year, which is called as No Claim Bonus.

A comprehensive four-wheeler insurance policy covers 2 aspects: own damage (OD) and third-party liability (TPL). While OD provides protection against damage caused to your car and you, TPL covers damage caused to third-party or their vehicle. NCB is applicable only to the premium paid for the OD component.

Calculating the NCB

Since NCB is applicable to a no-claim history, it can be availed only from the second year of car insurance. The discount begins with a 20% discount for first claim-free year and can go up to maximum 50% for five consecutive claim-free years. After the fifth year, the discounted premium will remain constant for following claim-free years. So, you are entitled to reducing your premium rates to as much as half its amount with safe and responsible driving alone.

Protecting your NCB

Beware! One small incident and a claim filed, and your NCB will be back to zero. Thus, you will have to pay the non-discounted premium and start building NCB from scratch. However, you have the power to safeguard your NCB for a little cost. Whether you buy/renew car insurance online or offline, you can take the NCB Protector add-on. With this car insurance add-on cover, your NCB remains intact even if you file for a claim.  It means you don’t just get the claim reimbursed but can also get a discount on next year’s premium rate.

Retaining your No Claim Bonus

NCB is provided to a policyholder, not the car. But what happens when you sell your car and buy a new one? In this scenario, there are three things to be taken into consideration.

  1. When you sell the car, you can transfer the insurance to the buyer. If you do so, the new car owner will have to pay the insurer the difference in premium due to NCB. If the new owner has his own NCB, he can use it to get the discount.
  2. You can apply your NCB to the premium payable for insurance on new car. All you need to do is submit your buyer-seller agreement to the insurer along with an application requesting transfer of NCB to the new car.
  3. If you are not satisfied with the current insurer, you may also choose to change the insurer at this stage. You only need to submit the previous year’s policy document as well as the renewal notice from the old insurer which mentions the NCB you are entitled to.

Things to Remember

First and foremost, make sure you drive carefully and safely to have a no-claim history. Secondly, always renew the policy on time, before expiry or within 90 days of expiry, lest you lose your bonus. Thirdly, try to let go of small claims if the NCB can give you a bigger benefit.

Next time you hit the road, remember that you are competing for NCB. Think of No Claim Bonus as an award for being the ‘Most Responsible Driver’ of the year. Safe driving!

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