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No Claim Bonus (NCB) Calculator
Find your NCB slab and decide whether to claim.
No Claim Bonus (NCB) Calculator
No Claim Bonussaves ₹4,200 on own-damage this year
NCB next year if claim-free
45%
NCB lost by claiming (next renewal)
₹5,400
NCB: 20% → 25% → 35% → 45% → 50% for 1–5 claim-free years. It belongs to you, not the car — transfer it when you sell or switch insurers. An NCB-protector add-on keeps it after one claim.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
Frequently asked questions
Is my data uploaded?
No. The calculation runs entirely in your browser — nothing you type is sent to a server.
Is it free?
Yes — free, unlimited and no sign-up.