RapidCheck

No Claim Bonus (NCB) Calculator

See your motor premium after the no-claim-bonus discount.

Last updated: 13 Aug 2026

Quick answer

NCB is a discount on your own-damage premium for claim-free years (20% to 50%): net premium = base premium × (1 − NCB% ÷ 100). For example, ₹8,000 premium with 35% NCB is ₹5,200. Enter your premium and NCB above.

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No Claim Bonus (NCB) rewards claim-free years with a discount (20%–50%) on the own-damage part of your motor premium: net = base × (1 − NCB ÷ 100).

How to calculate NCB discount

  1. 1 Enter your base (own-damage) premium.
  2. 2 Select your NCB slab (based on claim-free years).
  3. 3 We show the discounted premium.

Frequently asked questions

What is No Claim Bonus?
A discount on your own-damage premium for each claim-free year, rising from 20% to 50% over five years.
Does NCB apply to third-party premium?
No — NCB applies only to the own-damage portion, not the mandatory third-party premium.
Do I lose NCB if I make a claim?
Usually yes, unless you have an NCB-protection add-on.

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