No Claim Bonus (NCB) Calculator (India)
Your motor-insurance NCB discount slab after claim-free years and the rupee saving on the own-damage premium.
Formula
No Claim Bonus rewards safe years with a discount on the own-damage portion of your motor premium — never on the third-party portion. It rises in fixed steps: 20% after one claim-free year, then 25%, 35%, 45%, and a maximum 50% from the fifth year onward. A single claim wipes the entire NCB back to zero at the next renewal, which is why making a small claim is often a false economy — paying a minor dent out of pocket can be cheaper than losing years of accumulated bonus. NCB belongs to you, not the car: it transfers to a new vehicle, and an NCB-retention certificate lets you carry it for up to three years if you sell. You can also buy NCB-protection add-ons that survive one claim.
Educational. NCB applies to own-damage premium only; insurer terms govern. Not insurance advice. Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need no claim bonus calculator results fast? Analysts, founders, traders and finance professionals use the No Claim Bonus Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About No Claim Bonus (NCB) Calculator (India)
Your motor-insurance NCB discount slab after claim-free years and the rupee saving on the own-damage premium. No Claim Bonus rewards safe years with a discount on the own-damage portion of your motor premium — never on the third-party portion. It rises in fixed steps: 20% after one claim-free year, then 25%, 35%, 45%, and a maximum 50% from the fifth year onward. A single claim wipes the entire NCB back to zero at the next renewal, which is why making a small claim is often a false economy — paying a minor dent out of pocket can be cheaper than losing years of accumulated bonus. NCB belongs to you, not the car: it transfers to a new vehicle, and an NCB-retention certificate lets you carry it for up to three years if you sell. You can also buy NCB-protection add-ons that survive one claim. The governing relationship is NCB slab: 1y→20%, 2y→25%, 3y→35%, 4y→45%, 5y+→50% (resets to 0% on a claim). The No Claim Bonus Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use No Claim Bonus (NCB) Calculator (India)
- 1Enter Consecutive claim-free years (yrs), Own-damage (OD) premium (₹), Made a claim this year? into the No Claim Bonus Calculator.
- 2The result is computed automatically using NCB slab: 1y→20%, 2y→25%, 3y→35%, 4y→45%, 5y+→50% (resets to 0% on a claim) — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use No Claim Bonus (NCB) Calculator (India)?
- ✓Computes no claim bonus calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the No Claim Bonus Calculator?+
No Claim Bonus Calculator uses NCB slab: 1y→20%, 2y→25%, 3y→35%, 4y→45%, 5y+→50% (resets to 0% on a claim). No Claim Bonus rewards safe years with a discount on the own-damage portion of your motor premium — never on the third-party portion. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the No Claim Bonus Calculator need?+
Enter Consecutive claim-free years (yrs), Own-damage (OD) premium (₹), Made a claim this year? and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the No Claim Bonus Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. Educational. NCB applies to own-damage premium only; insurer terms govern. Not insurance advice. It is for informational and analytical use, not financial advice.
What should I watch out for when using the No Claim Bonus Calculator?+
It rises in fixed steps: 20% after one claim-free year, then 25%, 35%, 45%, and a maximum 50% from the fifth year onward. A single claim wipes the entire NCB back to zero at the next renewal, which is why making a small claim is often a false economy — paying a minor dent out of pocket can be cheaper than losing years of accumulated bonus. NCB belongs to you, not the car: it transfers to a new vehicle, and an NCB-retention certificate lets you carry it for up to three years if you sell. You can also buy NCB-protection add-ons that survive one claim.
What is the No Claim Bonus Calculator based on?+
The method follows authoritative sources: India Motor Tariff — No Claim Bonus grid. The formula and references are shown on the page so you can verify and cite the result.
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