MotorBabuNo claim bonus (NCB) calculator
How much your no claim bonus saves at renewal — and whether claiming a small repair is worth losing it. For car and two-wheeler insurance.
No claim bonus slabs
| Claim-free policy years | NCB on the own-damage premium |
|---|---|
| 1 | 20% |
| 2 | 25% |
| 3 | 35% |
| 4 | 45% |
| 5 or more | 50% |
| After a claim | 0% at the next renewal |
The same slabs apply to cars and two-wheelers. NCB lapses if the policy isn't renewed within 90 days of expiry. The third-party part of the premium never gets an NCB discount. Your insurer's renewal quote has the exact figures.
How the "is it worth claiming?" estimate works
A claim resets your NCB to 0% at the next renewal, and it then climbs back 20% → 25% → 35% → 45% → 50% over five claim-free years. The calculator adds up the discount you'd lose over the next five renewals, assuming your own-damage premium stays about the same, and compares it with the repair cost. It ignores the compulsory deductible and depreciation on parts, which make small claims even less worthwhile.
Never miss the 90-day window
Renewing late can cost you your whole NCB. MotorBabu reminds you 30 days before your policy expires — free, for every vehicle you own.
Questions people ask
What is no claim bonus (NCB)?
A discount on the own-damage part of your vehicle insurance premium for every policy year without a claim: 20% after one claim-free year, 25% after two, 35% after three, 45% after four and 50% after five or more.
Does NCB reduce the third-party premium?
No. NCB applies only to the own-damage premium. The third-party premium is fixed by the regulator by engine size and is the same with or without NCB.
When do I lose my NCB?
If you make a claim in the policy year, your NCB at the next renewal goes back to 0%. It also lapses if you don't renew within 90 days of the policy's expiry.
Can I transfer NCB to my new car or bike?
Yes. NCB belongs to you, not the vehicle. When you sell, keep the policy in your name or ask your insurer for proof of your NCB, and use it for your next vehicle's policy. The buyer of your old vehicle doesn't get your NCB.
Is it worth claiming a small repair?
Often not. A claim resets your NCB to 0%, and it takes five claim-free years to climb back to 50%. If the repair costs less than the NCB you'd lose over the next few renewals, paying yourself is cheaper. The calculator above estimates this.
What is an NCB protector?
An add-on many insurers sell that lets you keep your NCB after a claim (usually one claim a year). Check the terms — it's worth it mostly at 35% NCB and above.