4 min read·Dinesh Singh
What NCB actually is
A reward for claim-free years, ranging 20% (year 1) to 50% (year 5). It belongs to YOU, not the car.
The renewal mistake
Letting the policy lapse for more than 90 days. NCB resets to zero.
Selling your car?
Get an NCB-retention certificate from the insurer (valid 3 years) and apply it to your next car.
Switching insurer
Always allowed. NCB transfers — just provide last year's policy & no-claim letter.
NEED PERSONAL ADVICE?
WhatsApp Dinesh on 96609 58821
Free, no-obligation guidance. We'll help you compare and buy in minutes.