For car owners searching for ways to save some money when renewing their policies, How to check NCB in car insurance is a common question. NCB could mean a large savings on your premium; however, if you aren't certain how to verify and properly utilize it, you're unlikely to see that savings.
Many policyholders do not understand what is NCB in car insurance, where they can find it, or how to check it online or offline. This guide will provide all the information needed to effectively check your NCB and use it as a basis for your next renewal so that you will benefit from your discount on insurance with the understanding that it is not just another benefit of being a safe driver.
What Is NCB in Car Insurance and How Does It Work?
When car insurance companies give you money back for not making any claims over the course of your policy year, this is known as NCB (No Claim Bonus). The NCB will only be applied to your company’s own damage coverage; it will not apply to a third-party policy.
Key points about NCB:
- It starts at 20% after the first claim-free year
- Can go up to 50% over time
- The NCB will move with you if you change carriers or sell your automobile.
How to Check NCB in Car Insurance (Step-by-Step Guide)
This section explains how to check NCB in car insurance using different methods.
1. Check NCB in Car Insurance via Policy Document
Your car insurance policy document clearly mentions your NCB.
Where to look:
- Renewal notice
- Policy schedule
- Own Damage premium section
It is usually written as:
“No Claim Bonus: 20% / 25% / 35% / 45% / 50%”
2. Check NCB in Car Insurance Online
Most insurers allow you to check NCB in car insurance online.
Steps:
- Visit your insurer’s official website
- Log in using policy number or registered mobile number
- Open policy details
- Look for “No Claim Bonus” under premium breakdown
This is the fastest way to verify NCB before renewal.
3. Check NCB During Policy Renewal
When you renew your policy:
- The insurer automatically displays your applicable NCB
- You must declare whether you made any claims
Important: A wrong declaration can lead to claim rejection later.
4. Check NCB by Contacting Customer Support
If documents are missing:
- Call insurer helpline
- Email customer support
- Visit branch office
Provide:
- Policy number
- Vehicle registration number
They can instantly confirm your NCB status.
How to Check NCB in Car Insurance When Changing Insurer
If you’re switching companies, knowing how to check NCB in car insurance becomes even more important.
What You Need:
- Old policy copy
- NCB percentage mentioned
- Self-declaration form
Most insurers accept NCB transfer without extra paperwork, as long as details match.
Check NCB in Car Insurance Using Insurance Information Bureau (IIB)
Some insurers cross-check NCB using the Insurance Information Bureau (IIB) database.
When IIB is used:
- While buying a new policy
- During claim settlement
- If mismatch is detected
This ensures transparency and prevents false NCB claims.
NCB Discount Slab Table
Claim-Free Years | NCB Percentage |
| 1 Year | 20% |
| 2 Years | 25% |
| 3 Years | 35% |
| 4 Years | 45% |
| 5+ Years | 50% |
Benefits of Checking NCB in Car Insurance
Knowing how to check NCB in car insurance helps you:
- Save up to 50% on premiums
- Avoid policy cancellation due to false declaration
- Transfer NCB easily when selling your car
- Compare insurance plans more accurately
Common Mistakes While Checking NCB
Many policyholders lose NCB due to avoidable errors:
- Forgetting to check NCB before renewal
- Making small claims that reset NCB
- Wrong declaration while switching insurers
- Assuming NCB applies to third-party insurance
Does NCB Get Affected If I Sell My Car?
No, NCB belongs to you, not the vehicle.
You can:
- Retain NCB
- Transfer it to your new car
- Use it within the allowed time (usually 3 years)
Final Thoughts
Having an understanding, how to check NCB in car insurance (Not Cancelled Benefits) and checking it with your car insurance policy will allow you to ensure that you receive all of the savings you have built up over time. With the evolution of the insurance industry and advancements in technology, making an honest declaration and checking your NCB at the time of renewal is becoming increasingly important.
Each year you renew your auto insurance policy, check to confirm the NCB amount on the lender's records, protect your documentation, and carefully consider other factors relating to your auto insurance policy so your car insurance fits your needs and offers you the best savings possible. Read to know what is NCB in auto insurance stands for?
Frequently Asked Questions (FAQs)
1. How to check NCB in car insurance online?
Log in to your insurer’s website using your policy number or mobile number and check the premium breakdown section.
2. What is NCB in car insurance and why is it important?
NCB is a reward for not making claims. It reduces your own-damage premium and helps save money over time.
3. Can I check NCB in car insurance without policy document?
Yes, you can contact customer support or log in online using your registered mobile number.
4. Is NCB applicable on third-party insurance?
No, NCB applies only to the own-damage portion of car insurance.
5. What happens if I wrongly declare NCB?
Your claim can be rejected or policy cancelled if incorrect NCB details are found.
6. Can I check NCB in car insurance after policy expiry?
Yes, NCB details remain with your insurer and can be retrieved for a limited time.
