Travel · Free tool
Vehicle Insurance NCB Tracker
IRDAI-mandated NCB ladder: 20% discount after the 1st claim-free year, rising to 50% after 5 years. Resets to 0 the year you claim.
3 years
₹15,000
NCB discount
35%
Save: ₹5,250
Net premium: ₹9,750
NCB ladder
| Years | Discount |
|---|---|
| 0 (1st year) | 0% |
| 1 | 20% |
| 2 | 25% |
| 3 | 35% |
| 4 | 45% |
| 5 | 50% |
FAQ
Does NCB transfer if I switch insurer?
Yes — request an NCB Reserving Letter from the old insurer when switching. The new insurer carries the same NCB ladder.
NCB transfer if I sell my car?
NCB is tied to the insured person, not the vehicle. When buying a new car, your NCB carries over within 3 years. The new owner of your old car starts at 0% NCB.
Is "NCB protection" rider worth it?
Costs ~5-7% extra premium. Lets you claim once without losing NCB. Worth it if you have 35%+ NCB built up — losing 35% is more than 5% protection cost over 5 years.