Every claim-free ride saves you money. The No Claim Bonus (NCB) is a reward for responsible riding - a discount insurers offer each year you don’t file a claim.
Over time, this bonus can grow to a massive 50% discount on your Own Damage (OD) premium. But many bike owners in Hyderabad, Telangana lose it by claiming for minor scratches or missing renewal deadlines.
This guide explains how NCB works, how it is calculated, how to transfer it when you switch insurers, and how to protect it even after a claim - so you can ride smart and save more every year.
What Is No Claim Bonus (NCB)
NCB is a discount offered on your Own Damage premium for every claim-free year. It does not apply to Third-Party liability premiums.
| Claim-Free Years |
NCB Discount |
| 1 year |
20% |
| 2 years |
25% |
| 3 years |
35% |
| 4 years |
45% |
| 5 years + |
50% (Maximum) |
Example: If your OD premium is ₹1,000 and you have a 50% NCB, you pay ₹500 less every renewal.
How NCB Is Earned
- Ride without filing any claim for 12 months.
- Renew policy before 90 days of expiry.
- Avoid small claims under ₹2,000-₹3,000.
- Each claim-free year adds to your NCB tier.
- NCB certificate issued after fifth claim-free year confirms 50% discount.
How NCB Is Lost
- Filing even a minor claim resets NCB to 0%.
- Missing renewal for over 90 days after expiry.
- Policy lapse without renewal continuity.
- Incorrect transfer when selling bike or changing insurer.
Pro Tip: Use the NCB Protect add-on to retain bonus even after one small claim.
How to Transfer NCB When Switching Insurers
- Request an NCB Certificate from your old insurer after policy expiry.
- Provide this certificate to the new insurer during purchase.
- The discount is applied to your new policy instantly.
- NCB belongs to the policyholder, not the vehicle - you can carry it to a new bike too.
Validity: 3 years from date of policy expiry.
How to Protect Your NCB
| Strategy |
How It Helps |
| Buy NCB Protect Add-on |
Keeps bonus even after one claim. |
| Renew on time |
Avoids 90-day expiry reset. |
| Skip tiny claims |
Keep bonus intact for bigger savings. |
| Switch wisely |
Use certificate for seamless transfer. |
| Compare every renewal |
See which insurer rewards NCB best. |
NCB Protect Add-on - Is It Worth It?
Yes. For a small fee (usually ₹150-₹400 per year), the add-on lets you keep your NCB even after filing a minor claim. Best for riders in high-traffic zones like Hyderabad, where minor accidents are common.
Local Insights for Hyderabad
- Avg. NCB retention rate: 78% of riders retain bonus each year.
- Avg. annual savings per rider: ₹3,200.
- Most used add-on: NCB Protect + Zero Dep.
- Top insurers with best NCB programs: HDFC ERGO, ICICI Lombard, Bajaj Allianz.
Common Mistakes to Avoid
- Filing tiny claims that erase NCB.
- Letting policy expire without renewal.
- Forgetting to ask for NCB certificate when switching.
- Transferring bike ownership without notifying insurer.
- Not adding NCB Protect for new riders in metro areas.
FAQs
What is NCB in bike insurance?
It’s a discount for every claim-free year on your Own Damage premium.
How much discount can I get through NCB?
Up to 50% after five claim-free years.
Does NCB apply to third-party cover?
No, only to Own Damage premium.
Can I transfer NCB to a new bike?
Yes, it follows the policyholder, not the vehicle.
What happens if I file a claim?
NCB resets to 0% unless you have NCB Protect.
Can I retain NCB after switching insurers?
Yes, using the NCB Certificate.
How long is the NCB Certificate valid?
Up to 3 years after policy expiry.
Does NCB Protect cover all types of claims?
Minor claims yes; major total-loss claims reset it.
Can I buy NCB Protect anytime?
Only during policy purchase or renewal.
Does claim affect premium next year?
Yes, because you lose NCB.
Is NCB available for multi-year policies?
Yes, discount applied at renewal for remaining term.
Can I see NCB in my policy copy?
Yes, listed under “Discounts Applied.”
Do electric bikes get NCB too?
Yes, same rules apply for EV two-wheelers.
Is NCB tax-deductible?
No, it’s a discount, not a rebate.
What’s the fastest way to check NCB?
Log into PolicyBachat or check renewal quote summary.
Customer Reviews
- “Kept my NCB for 4 years - saved almost half my premium.” - Ravi P., Delhi
- “Didn’t know I could transfer NCB to my new bike - great info.” - Sneha D., Hyderabad
- “NCB Protect saved my bonus after minor claim.” - Arjun M., Pune
- “Simple and clear - finally understand NCB rules.” - Kavita R., Bengaluru
- “Transferred NCB when switching insurers - seamless.” - Vikram T., Mumbai
- “Thanks to this guide, I never lose NCB again.” - Priya S., Chennai
Featured