No Claim Bonus (NCB) calculator
A wrong NCB on the renewal notice is one of the most common mistakes in car insurance, and almost nobody checks it. If you made no claim this year, your discount should have gone up one step. This calculator tells you which step, what it's worth in rupees, and whether a late renewal has cost you the whole thing. It takes about thirty seconds, and it can save you a few thousand rupees.
हिंदी में: साल भर कोई claim नहीं किया तो renewal पर No Claim Bonus बढ़ जाता है। अपना current NCB डालिए और देखिए कि अगली बार कितना discount मिलना चाहिए और कितने रुपये बचेंगे।
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Fill in the details and press Calculate. Any field you get wrong will be pointed out.
What does the NCB result tell me?
Three things: which NCB slab you should get at your next renewal, how much that saves on your own-damage premium in rupees (with and without GST), and how your NCB will grow if you keep making no claims. If you entered your expiry and renewal dates, it also tells you whether a late renewal has wiped your NCB out.
Use it in two situations: when your renewal notice arrives and you want to check the NCB on it, and when you're deciding whether a small claim is worth losing your NCB for.
Which NCB slabs does it use?
| Claim-free years in a row | NCB at next renewal |
|---|---|
| 1 | 20% |
| 2 | 25% |
| 3 | 35% |
| 4 | 45% |
| 5 or more | 50% |
You move one step up for every policy year without an own-damage claim, and you stay at 50% after that. One claim takes you back to 0% at the next renewal. These slabs are the same at every insurer.
What do I need to enter?
- NCB on your current policy. It's printed on your policy schedule, usually beside the own-damage premium, as "NCB" or "No Claim Bonus %".
- Whether you made an own-damage claim this policy year.
- Own-damage premium before NCB, if you want the saving in rupees. On some schedules this is shown as "Basic OD premium". If yours shows only the figure after NCB, divide it by (1 minus your NCB) to get the before-NCB figure. For example, ₹9,000 at 25% NCB means ₹12,000 before NCB.
- Expiry and renewal dates, only if your policy has expired or might expire before you renew.
How do I check the NCB on my renewal notice?
Enter last year's NCB and "No" for claims. The result is the NCB your renewal notice should show. If it shows less, don't pay until it's corrected. This is one of the most common errors on renewal notices, especially when people switch insurers or the previous policy was bought through an agent.
Why is my rupee saving smaller than I expected?
Two reasons. First, NCB applies only to the own-damage premium. Third-party premium, add-ons and PA cover get no NCB discount at all. Second, insurers apply NCB after their own discount. So if your insurer already gives a big discount on own damage, NCB is taken from a smaller base. That's normal. The rupee figure shown here is the honest value of your NCB, and it's the number to weigh against any claim.
What happens if I renew late?
You have 90 days after expiry to renew and still keep your NCB. Enter both dates, and the calculator counts the gap exactly. At 90 days you're safe. From day 91, your NCB is lost, even with a spotless record.
But please don't treat 90 days as a comfortable window. From the minute your policy expires, your car is uninsured. Driving it is illegal, and you'd be personally liable for any accident. The insurer may also want to inspect the car before renewing a lapsed policy.
I made a claim. Is there any way to keep my NCB?
Only if you have an NCB protection add-on. Tick that box when you select "Yes" for a claim, and the calculator shows your NCB staying at its current slab. Insurers usually allow one or two protected claims a year. Check your policy wording for the exact number.
Without the add-on, a paid own-damage claim always resets NCB to 0%.
Does informing the insurer about an accident cost NCB?
Not if no claim is paid. You can report an accident, which you should whenever another person or vehicle is involved, and then pay your own repairs. Ask the insurer to close the intimation without payment, and keep their confirmation in writing.
What if the other driver was at fault?
If the other driver's insurer pays for your car's damage, your own NCB isn't affected. If you claim from your own policy instead, because it's faster, it counts as your claim and your NCB resets. Many people choose their own policy for convenience without realising this.
How much is my NCB worth over the next few years?
The "If you stay claim-free" row shows your NCB at each of the next five renewals. Multiply each by your own-damage premium before NCB, and you'll see how much your clean record is worth. At 45% to 50% NCB on a car with a ₹15,000 own-damage premium, that's roughly ₹7,000 to ₹9,000 a year with GST. That's the money a small claim puts at risk, and it's why the claim or pay yourself calculator exists.
Can I use my NCB on a new car?
Yes. NCB belongs to you, not the car. When you sell your old car, ask your insurer for an NCB certificate and use it when insuring your next one. If you keep the old car and buy another, the new car starts at 0%, because one NCB can't be used on two policies.
Do I lose NCB if I switch insurers?
No. Your NCB moves with you. The new insurer will ask for your previous policy copy and may check your claim history. Declare it honestly. A wrongly declared NCB can lead to a claim being rejected later.
I already paid and the NCB was wrong. Can it be fixed?
Yes. Write to the insurer with your previous policy copy showing your NCB and a note that no claim was made. They can issue an endorsement correcting the NCB and refund the extra premium. Do it quickly. It gets harder once the policy is months old, and much harder if you need to claim in between.
Why does my schedule show NCB in rupees instead of a percentage?
Some schedules show the NCB discount as a rupee amount on the own-damage section rather than as a percentage. Divide that amount by the own-damage premium before NCB to get the percentage. For example, ₹3,000 off a ₹12,000 own-damage premium is 25%.
Does NCB apply if I buy a standalone own-damage policy?
Yes. NCB is a discount on own-damage cover, whether that cover is part of a comprehensive policy or bought on its own. So a new car owner with three-year third-party cover and a one-year own-damage policy still builds and uses NCB on the own-damage policy each year. When you switch own-damage insurers, carry the NCB across with your previous policy as proof.
Is NCB different for electric or CNG cars?
No. The slabs and rules are the same for every private car, whatever the fuel.
A worked example
You're on 35% NCB, made no claim this year, and your own-damage premium before NCB is ₹15,000. Your renewal should move you to 45%. That saves ₹6,750 on own damage, or ₹7,965 with GST. Next year, if you stay claim-free, you'll reach 50%, and you'll stay there.
If you had made one claim, you'd go to 0% instead, and the ₹6,750 discount would become nothing at the next renewal.
Read how No Claim Bonus works for the full rules, including NCB certificates, family transfers and what happens when a claim is rejected.
Rates last checked: 8 November 2026. Content updated 8 November 2026.