IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more

Install

1800 2666(Available 24 x 7)
Call Back

Got questions? Let's talk! Share your contact details and we'll give you a call.

Full Name^* Please enter the full name

Mobile no.^* Please enter valid mobile number

Select products^* Please select the product

Submit

Thank You for your interest in our product.

Thank You for your interest in our product. We'll get in touch with you shortly to answer your queries.
Live Chat

No Claim Bonus in Car Insurance

Q: Can I transfer my NCB from a car to a two-wheeler or motorcycle?

No, you cannot transfer your car insurance NCB to a motorcycle or two-wheeler. However, following a few necessary steps, you can transfer the no claim bonus after selling your old two wheeler to the new bike.

Car Insurance Trust of two decades*
Bike Insurance Starting from ₹525^#

Vehicle registration number

Got a new vehicle I know registration no. My vehicle is already registered.

Mobile number

Get quote

I agree to the terms and conditions

I want to receive updates on

To manage your WhatsApp preferences click here

Renew your ICICI Lombard policy

Recent quote | Get Third Party Insurance

What is NCB in car insurance

NCB or no claim bonus in car insurance is an incentive offered by the insurance company when you don’t make any claim during the policy period. It is sometimes referred to as an NCB discount that lowers your premium every time you renew your insurance after expiry. The no claim bonus varies depending on how many years have gone by without filing a claim. Accordingly, you can bag a no claim bonus ranging between 20% and 50%. In case you already have ^55% to ^65% NCB in your previous policy, you’ll be eligible to earn a higher NCB than this with a claim-free year.

Benefits of no claim bonus in car insurance

Lower premiums

If you don’t make any claims during a policy year, you can earn a good discount on your premium. If you do not file a claim during the first year of your policy, you will earn a 20% NCB discount. This number rises with each consecutive claim-free year. You can get a maximum NCB discount of 50% on your policy premium.

Rewards for policyholders

No claim bonus in car insurance is given to you and not your car. If you are constantly renewing your car policy, the NCB in car insurance remains with you no matter whether you acquire a new car or sell your old one.

Easily transferable

When you sell your car and buy a new one, you can easily transfer your NCB to the new car. The entitlement of no claim bonus will be applicable for the new car subject to the provision that the new car on which the entitled NCB is to be applied is of the same class (as per this tariff) as the car on which the NCB has been earned. Moreover, if you want to buy insurance from another insurer, the no claim bonus can be transferred easily from one insurance provider to another.

Eligibility criteria for family health insurance

How is the no claim bonus (NCB) calculated in car insurance?

No claim bonus comes into play after the first year of the policy. It is calculated in the following manner if you renew your policy within 90 days:

If you do not file a claim within the first year of your coverage, you will receive a 20% discount on your premium in the form of a no claim bonus in car insurance.
With three consecutive years without a claim, the no claim bonus percentage will be 35%.
The NCB will be 45% and 50% if the claim is not filed for four and five years, respectively.
To calculate the no claim bonus easily, you may use the no claim bonus calculator.

Aspects of no claim bonus (NCB) that you need to be aware of

NCB reduces OD premium

The maximum no claim bonus you can earn is 50%, and that too after going claimless for five years continuously. If you have already received the maximum NCB, even if you go claimless for another year, you won't be eligible for NCB higher than 50%.
NCB can be transferred to your new car

Your NCB belongs to you and not your car. So, when you buy a new car, you can transfer the NCB to it. However, your new car should be of the same class as per tariff as the car on which the NCB has been earned. Also, keep in mind that NCB cannot be transferred to another person unless the car owner dies and the vehicle is handed over to a legal heir. The NCB must be transferred to the legal heir within 90 days.

NCB is not computed on the entire premium

Are you aware that the no claim bonus does not apply to the premium for third-party insurance? Therefore, the next time when you calculate the NCB percentage, you’ll need to apply it on your own damage premium.
Incorrect NCB declaration is meaningless

Is the NCB amount you are providing incorrect? If it is then your insurance claim can be rejected for declaring wrong NCB.

When is no claim bonus (NCB) terminated?

Have you made a claim during the first year of your policy? If yes, then you won't earn any no claim bonus in the next year.
Have you renewed your insurance policy within 90 days of its expiration date? If you did not, you wouldn’t get the no claim bonus.

How to transfer no claim bonus (NCB) to new car insurance?

Inform existing insurer

If you are buying new car insurance, inform your old car insurance provider about it.

Submit documents

Request your old car insurer to transfer your no claim bonus protection by furnishing all the relevant documents.

Get the NCB certificate

Once the old insurer is satisfied with the submitted documents, they will issue the NCB protection certificate.

Submit the NCB certificate

After receiving the NCB certificate from the old insurer, submit the same to the new insurance company. Your new motor insurance provider will transfer the no claim bonus.

Declare your NCB

If you can’t share the NCB certificate, you can give a declaration to your new insurance company stating your NCB rate and that you had a claim-free year under the expiring policy. If this is found to be false, you may lose the benefits under the policy.

How does the no claim bonus (NCB) work in car insurance?

NCB in car insurance works as a reward system. After purchasing your car insurance policy, by going claimless during the first policy year, you start by accumulating a 20% no claim bonus for the next year. The no claim bonus in car insurance keeps on accumulating with each claimless year. After the second year of the policy, you will receive a 25% discount, and if you have not made any claims for the previous five years, you will earn a 50% NCB. It is important to note that NCB is allowed only when the car has been insured continuously for 12 months without any break.

NCB myth busters

It is a widespread misconception that you lose no claim bonus protection if you switch your car insurance from one insurer to the other. This is not the case as NCB can be readily transferred from one insurer to another.
Just like any car insurance product, people believe that NCB protection cover is for vehicles. This is not true. The NCB lowers your policy premium and remains with you as long as your policy is renewed.
Another prevalent myth is that if you replace an old car with a new one you’ll lose your no claim bonus. Fact is, by transferring your NCB to the new car, you can easily retain it. However, it is important that the new car is of the same class as that of the one on which NCB was earned.

How to ensure you don't lose NCB during renewal?

To retain the NCB, renew your policy within 90 days of its expiry. Ensure you’ve made no claim and there was no transfer of ownership. Also, make sure you disclose the accurate NCB. Here is all you have to do for the policy renewal.

1
Click here to visit our car insurance renewal page.
2
Enter your vehicle’s registration number or your registered mobile number.
3
Click on ‘Proceed’
4
Follow the instructions to renew your car insurance.

To renew your car insurance, you can also visit the link sent to your registered mobile number and e-mail id.

What documents are required for transferring the no claim bonus (NCB)?

Duly filled NCB transfer application form.
Sale document of the vehicle.

Tips to protect your NCB

Follow road safety rules to avoid any accident.
Schedule maintenance of your car regularly so it doesn’t break down or meet with an accident.

FAQs on no claim bonus in car insurance

Can I transfer my NCB from a car to a two-wheeler or motorcycle?

Can one no claim bonus cover multiple cars?

No, your NCB discount does not cover multiple cars. You would need to purchase individual insurance so you can earn no claim bonus for each of them with every claim-free year.

What is the maximum percentage of NCB available under car insurance?

For car insurance, you can avail of a maximum of 50% NCB. If you have not filed any claim in the last five years, you will be eligible for a 50% no claim bonus.

Will I lose my NCB if I cancel my policy before expiry?

If you cancel your policy on account of sale of your car and it is not replaced immediately with a new one or your car is laid up, then you can retain your no claim bonus with NCB certificate. This can be used if you purchase a new car until 3 years from the expiry of the previous insurance.

How will a claim impact my NCB?

If you file a claim, you will lose your NCB regardless of how small the claim amount is.

How does NCB impact the overall car insurance premium?

If you do not submit a claim within the first year of your insurance, you will be eligible for a 20% discount on your premium in the form of NCB. Similarly, by going for five consecutive claimless years, you get a 50% no claim bonus. However, don't forget to renew your car insurance policy before it expires.

What happens to the NCB if the vehicle is in an accident or stolen?

If you prefer a claim on account of accident or if the vehicle is stolen then you’ll end up losing NCB. However, in the case of an accident, you can protect your NCB by avoiding minor claims.

What happens to the NCB if the insurance is shifted to a different insurer?

You’ll earn the eligible NCB while shifting to another insurer provided you’ve made no claim and not transferred the ownership. In the form of an NCB certificate, you are required to furnish proof of accumulated discounts over the years so that the new insurer can provide no claim bonus discount accordingly.

How long is NCB valid for?

The no claim bonus is valid for 90 days from the car insurance policy renewal date. If you have sold your car without buying a new one or it is laid up, you are entitled to receive a no claim bonus reserving letter that comes with the validity of three years from the expiry of the previous insurance.

Do you lose NCB if you cancel insurance?

In case you cancel your car insurance because you have sold your car without replacing it with new one or your car is laid up, you can retain your no claim bonus with the help of NCB certificate. You can use it when you purchase a new car until 3 years from the expiry of the previous insurance.

Can one claim NCB earned abroad on taking an insurance policy in India?

On production of evidence of having earned NCB abroad, one may be granted NCB on a new policy taken out in India as per entitlement earned abroad. However, the policy must be taken out in India within 3 years of expiry of the overseas insurance policy, subject to relevant provisions of NCB under these rules.

Reviews and ratings
on engine protect cover in car insurance

4.5
Our customers have rated us
Based on 832 reviews

I just purchased this car insurance policy because of the following reason even after getting cheaper offer from other competitors: 1. Proper follow up and prompt update 2. The way your team explained the feature of policy such as 24x7 road side assistance, zero depreciation, and high number of cashless garages etc. 3. Excellent customer service

Your team was very helpful in telling the details of the premium breakup and the IRDA specific mandates. Unlike others, they informed me about the terms and conditions of zero depreciation coverage in the car insurance policy. Thanks for advising and helping with information.

Nice support and assistance given by your support team for renewal of my car insurance policy. Because of service and benefits offered by ICICI Lombard, I migrated from existing insurance firm to ICICI Lombard.

Very helpful team of ICICI Lombard, they explained each and everything about the policy with patience which made me to buy car insurance right now. Thanks.

Thank you for the excellent service and clarification provided in even the minute details. Helped me a lot and I got a clear insight of the ICICI Lombard car insurance services. Thank you again. Keep up the good work.

I renewed my car insurance policy online, it was a very good experience I got a very nice guidance by your team. I would like to give 5 stars rating for the service.

Your sales representative has been fantastic on his customer service skills. He has been very informative, and ensured that, I as a customer is completely comfortable before making the move to buy car insurance policy. Wish him good luck and graceful career ahead.

I am extremely satisfied with the way your Customer Support Executive addressed my need over phone and helped me renew my car insurance policy which was expiring today. His excellent service encouraged me to take this policy from ICICI Lombard instead of going to some other service provider. Keep up the good work.

I was serviced by your team, they explained all the silent features of the car insurance policy and helped me to renew my car policy from ICICI Lombard.

I am very much impressed with the customer care representative of ICICI Lombard, who helped me in the process of renewing my car insurance policy over the phone. She explained each and every information of a policy. Thank you.

I am really delighted by the support, guidance and behavior of ICICI Lombard representative. The way she has guided me it’s really outstanding. "A Brand cannot be created by advertisement, it can be created only by good Customer Experience" A real caring human touch for the customer. She is an asset for any Organization. All the Best, Thank You

To whomsoever it may concern, would like to acknowledge the excellent support provided by ICICI Lombard team in purchasing a new car insurance policy. They explained me inclusion & exclusion of a policy. Great job. Please keep it up.

I spoke with one of your representative, she was brilliant in order to make me understand all the benefits of the car insurance and very calmly shared the exclusions. Amazing customer service given by her. I wish her all the best for all her future endeavors.

It was a pleasure interacting with your team to buy an insurance policy for my car. They had a great understanding of the product and its features. An absolute customer delight.

Great follow up and persistence from ICICI Lombard team. They had clearly elaborated on the options and the plan available in car insurance. They had been following up for the last 20 days with patience. Kudos!!

Hi! I received an excellent support from your sales executive to get my old Car Insurance renewed with ICICI Lombard. He explained all the intrinsic details about the policy that I was looking for. His explanation and inputs helped me to make a decision of buying this policy. I appreciate his customer centric approach and his patience.

I’d like to take a moment to express my appreciation for your team member, who was extremely helpful when I called the customer care to renew my Car Insurance policy 3001/76974158/03/000. It was good to start the year with a positive customer experience. Thanks

Thanks to your salesperson, my experience of purchasing car insurance from ICICI Lombard was remarkably smooth. She explained to me the advantages of the policy, such as personal accident coverage of Rs. 2 lakh, in a clear and simple language. I’m really grateful for her assistance.

ICICI Lombard’s agent gave me complete information about the policy benefits, including roadside assistance and coverage against third-party legal liabilities. Moreover, she satisfactorily answered my queries, and made the policy buying experience seamless and easy for me. Thanks for being so supportive.

I got a prompt and excellent service from ICICI Lombard while purchasing a car insurance plan. Your agent gave me a comprehensive explanation about the benefits of the policy, including roadside assistance for accommodation and minor car repairs. Thanks for the fantastic experience!

I had a nice conversation with your customer care executive. He explained clearly the ins and outs of your car insurance plan including benefits such as inbuilt personal accident coverage. The polite way in which he answered each and every of my questions convinced me to purchase the policy.

My experience with ICICI Lombard’s customer care department has been very good. The executive that I spoke to was professional and courteous. Though the system faced some issues with the login and vehicle description, all in all, the process of policy purchase was very easy for me.

I’m delighted with ICICI Lombard’s customer service. The customer care person was very meticulous with his follow-ups, and ensured that the process of buying the car insurance policy was quick and easy for me. Good work! Keep it up.

The agent handled our interaction in a smooth and professional manner. She was able to resolve the technical glitch I’d been facing while buying ICICI Lombard’s car insurance policy online. I really appreciate her patience, and wish her great success for the future.

I received excellent support from your customer service associate while purchasing my car insurance policy. She made regular follow-ups, resolved all my queries, and really managed to convince me to become a policyholder with ICICI Lombard. God bless her!

Just bought a car insurance policy from ICICI Lombard. Your agent helped me to understand the benefits of the policy, such as coverage against third-party liabilities as well as roadside assistance for minor repairs and accommodation. She deserves a good rating for providing me with much-needed guidance.

The salesperson was of great help to me while I was buying car insurance from ICICI Lombard. He showed genuine interest in answering all my queries, and helped me to complete the purchase. Appreciate his patience. Keep it up!

I renewed my car insurance with ICICI Lombard today. I’m happy with the comprehensive explanation of the policy provisions that was provided by your customer service associate. He even helped me to buy an accident insurance plan. Appreciate the support.

I would like to thank your customer sales representative for helping me choose the right policy for my car. She shared with me all the information I’d requested for with regard to your insurance plan. Kudos to her for the excellent support!

My conversation with your insurance advisor regarding the purchase of my car insurance plan turned out to be quite nice. He simplified the ins and outs of the policy, principally the advantages such as personal accident cover of Rs. 2 lakh. Thanks for the lucid explanation!

I’d been looking up car insurance quotes online when your executive gave me a call. She sold me the idea of renewing my insurance with ICICI Lombard by highlighting the policy benefits like personal accident cover of Rs. 2 lakh, and coverage against third-party legal liabilities.

Had a smooth, hassle-free experience while buying car insurance from ICICI Lombard. The customer service representative gave an excellent description of the policy advantages such as cashless services across an expansive network of garages. I am glad to have made the decision to buy the plan.

Your executive spoke with me for nearly an hour in order to help me buy the right policy for my car. His precise answers to all my insurance queries has left me impressed. His dedication and devotion to his work is clearly evident. I wish him a successful career with ICICI Lombard.

ICICI Lombard’s executive was very diligent with his follow-ups. He responded to my queries in a courteous manner, and guided me through the purchase of my car insurance. I would love to interact with him again in the future for any insurance needs. Thanks for being so helpful!

Received timely assistance from your customer service department when I was looking for guidance with regard to buying car insurance. The agent had good communication skills, and explained all the important details about the policy such as the inclusions and exclusions of coverage.

Your customer service associate came to my aid when I was looking to switch my car insurer. He helped me in the best possible way to renew my policy with ICICI Lombard. Really appreciate the guidance I was provided with during the purchase.

I’d been on the hunt for a new car insurance company, and so decided to get in touch with your team. Your executive answered my queries regarding the renewal process. Her good technical knowledge of the policy prompted me to renew my car insurance with ICICI Lombard.

A big thumbs up to ICICI Lombard’s customer service! The insurance advisor I spoke with was very patient, and convinced me to buy the car insurance policy. Hope to receive a high standard of service from your other advisors too. Thanks.

Thanks to your salesperson, I was able to buy car insurance from ICICI Lombard without any complications. She was polite and respectful, and gave some valuable assistance to help me out with the purchase. I’m fully satisfied with the service provided.

Your agent spoke clearly and gave me a succinct outline of your car insurance plan. He simplified the policy buying process for me by walking me through each and every step. Looking forward to a good experience from ICICI Lombard in the future too.

I’ve renewed several of my insurance policies in the past, but my experience while renewing car insurance with ICICI Lombard was the best. Your agent explained clearly and understandably all policy-related details. I’ve decided to renew all my other insurance plans with you in the future.

Just bought a car insurance plan online from ICICI Lombard. The salesperson explained to me the policy provisions in a clear manner, especially the benefits such as coverage on replaced parts of the car. He helped me to choose a suitable plan for my insurance needs. I would like to thank him for his support.

Thanks to your customer support associate, I was able to get the best insured declared value (IDV) and maximum number of add-ons, including a free Carnot device which keeps track of my car’s health. He also explained the features of your car insurance plan in detail and later, helped me to complete the payment online.

Your salesperson walked me through the terms and conditions of your car insurance plan. She spelled out clearly the policy features like coverage against loss or damage to the car by natural and manmade calamities, and other facilities offered by ICICI Lombard. I would like to wish her all the best for the future.

Read all reviews

Hi there!

Let us help you explore and buy a new policy.

Chat now

Available 24 x 7

Got questions? Let's talk! Share your contact details and we'll give you a call.

Thank You for your interest in our product.

No Claim Bonus in Car Insurance

You don’t want to miss this.

By opting out of WhatsApp communication, you’ll lose out on:

You don’t want to miss this.

By opting out of WhatsApp communication, you’ll lose out on:

Understand your vehicle registration number

Understand your vehicle registration number

What is NCB in car insurance

Benefits of no claim bonus in car insurance

Lower premiums

Rewards for policyholders

Easily transferable

How is the no claim bonus (NCB) calculated in car insurance?

Aspects of no claim bonus (NCB) that you need to be aware of

NCB reduces OD premium

NCB can be transferred to your new car

NCB is not computed on the entire premium

Incorrect NCB declaration is meaningless

When is no claim bonus (NCB) terminated?

How to transfer no claim bonus (NCB) to new car insurance?

Inform existing insurer

Submit documents

Get the NCB certificate

Submit the NCB certificate

Declare your NCB

How does the no claim bonus (NCB) work in car insurance?

NCB myth busters

How to ensure you don't lose NCB during renewal?

What documents are required for transferring the no claim bonus (NCB)?

Tips to protect your NCB

FAQs on no claim bonus in car insurance

Can I transfer my NCB from a car to a two-wheeler or motorcycle?

Can one no claim bonus cover multiple cars?

What is the maximum percentage of NCB available under car insurance?

Will I lose my NCB if I cancel my policy before expiry?

How will a claim impact my NCB?

How does NCB impact the overall car insurance premium?

What happens to the NCB if the vehicle is in an accident or stolen?

What happens to the NCB if the insurance is shifted to a different insurer?

How long is NCB valid for?

Do you lose NCB if you cancel insurance?

Can one claim NCB earned abroad on taking an insurance policy in India?

Reviews and ratings on engine protect cover in car insurance

4.5

Andleeb Mandai

Puneet Gupta

Arvind Chauhan

Asif Khan Chowdhury

Shahnawaz Mateen

Nilesh Date

Mithun Chakraborty

Sivakumar Kr

Manoj Kumar

Karthikeyan P

Lyton Roy

Sarguna Raja Marimuthu

Neeraj Kumar

Vijay Choudhary

Senthilnathan C

Prashant Deshmukh

Rajeev Palanki

Satish Chandra

Arindam Sau

P.K. Dhar

Vikram Singh Kaintura

Jigar Katoriya

Sridhar K.

Rahul Thathoo

Arun Saxena

Hemant Srivastava

Eshwar Pavan Manthena

Bala Showry Raju Pudota

Jayamurugan Natarajan

Nitin Baban Pabal

Narasimha Rao Gopisetty

Praveen Redddy

Radhakrishnan A.R.

Saurabh Prasad

Reviews and ratings
on engine protect cover in car insurance