NCB calculator for car and two-wheeler insurance
This NCB calculator shows how much your no claim bonus is worth. Pick the number of claim-free years, enter the own-damage premium and it gives your NCB percentage, the saving in rupees, the premium you actually pay and the slab you move to at the next renewal — or why you lose it. It works the same way as an NCB calculator for car or an NCB calculator for bike, because Indian insurers use one table for both.
No claim bonus (NCB) is a discount on the own-damage (OD) part of a comprehensive or standalone OD policy. It belongs to you, not to the vehicle, rises with each claim-free year from 20% to a maximum of 50%, and drops to nil after a claim. Everything is calculated in your browser; nothing is sent anywhere.
How to use the NCB calculator
- Choose Car or Two-wheeler and whether you know the own-damage premium before NCB or after NCB.
- Enter the own-damage premium from your quote or last policy schedule — only the OD line, not third-party, personal accident cover or GST.
- Select how many claim-free years in a row you have, as shown by the NCB on your current policy.
- Say whether you have made a claim this year and whether the renewal will be more than 90 days after expiry.
- Read your NCB, the rupee saving and the next-renewal slab, and use the table to see every slab at a glance.
NCB Calculator features
Every NCB slab
0, 20, 25, 35, 45 and 50%, with the premium and saving for each.
Before or after NCB
Work forwards from the base OD premium or backwards from the discounted figure on your policy.
Claim and lapse rules
Shows the reset to nil after a claim and when a renewal is more than 90 days late.
Five-year view
Adds up the saving from the next five claim-free renewals at your current base premium.
Optional GST
Shows the rupee figures with 18% GST added, as they appear on a premium receipt.
NCB slab table
The no claim bonus table comes from the old India Motor Tariff (General Regulation 27). Insurers still print it in their IRDAI-filed policy wordings for private cars and two-wheelers:
| Claim-free record at renewal | NCB on own-damage premium |
|---|---|
| No claim made or pending in the preceding full year | 20% |
| Preceding 2 consecutive years | 25% |
| Preceding 3 consecutive years | 35% |
| Preceding 4 consecutive years | 45% |
| Preceding 5 consecutive years | 50% (maximum) |
How the NCB is calculated
NCB is a percentage taken off the own-damage premium only: OD premium after NCB = OD premium × (1 − NCB%). With an OD premium of ₹12,000 and three claim-free years (35%), the discount is ₹4,200 and you pay ₹7,800 for own damage. The third-party premium, fixed for each engine size by government notification, is added in full; GST is charged on the total.
If you only know the discounted figure, divide by (1 − NCB%): ₹5,000 at 50% NCB means a base OD premium of ₹10,000.
Rules that reset or protect your NCB
- A claim in the policy year means NCB is nil at the next renewal; you then start again at 20% after one claim-free year.
- Late renewal: policy wordings allow NCB only if you renew within 90 days of expiry (up to 365 days for forces personnel in forward areas, by declaration).
- Changing insurer: NCB moves with you; the new insurer may ask for the renewal notice or an NCB confirmation.
- Selling the car: the bonus stays with you and can be used on a replacement vehicle of the same class; the buyer does not inherit it.
- NCB protection is an add-on sold by many insurers that keeps your slab after a limited number of claims; terms differ, so read the add-on wording.
NCB Calculator FAQ
How is NCB calculated in car insurance?
Take the own-damage premium and subtract the NCB percentage for your claim-free years: 20% after one year, 25% after two, 35% after three, 45% after four and 50% after five. The NCB calculator above does it for you and shows the rupee saving.
Is the NCB calculator for bike different?
No. Two-wheeler policies use the same 20/25/35/45/50% table on the own-damage premium, so choose Two-wheeler and enter your bike’s OD premium.
Does NCB apply to third-party insurance?
No. The third-party premium is notified by the government for each engine or battery size and is the same with or without a bonus. A third-party-only policy earns no NCB.
What happens to NCB after a claim?
It falls to nil at the next renewal. Small repairs are sometimes cheaper to pay yourself than to lose a 35–50% bonus; the five-year figure in the calculator helps you compare.
Can I transfer NCB to a new car?
Yes. NCB belongs to the policyholder, so you can use it on a new vehicle of the same class after selling the old one. Keep the old policy and the sale papers as proof.
How long can I wait to renew and keep NCB?
Up to 90 days after the old policy expires. Beyond that the bonus lapses and you start again from zero. Driving without valid third-party cover is also an offence.