12/06/2026
🚗 Your Car Insurance Premiums Are TOO HIGH! Here Is How NCB Can Cut Them by 50% 💰
Friends, aaj ek bahut important topic pe baat karte hain — No Claim Bonus — jo shayad aapko lakhs bachane mein help kar sakta hai lekin bahut kam log iske baare mein jaante hain!
What Exactly is NCB?
No Claim Bonus (NCB) is a reward from your car insurance company — given every year you drive without making any insurance claim. The longer you go without a claim, the bigger the discount on your renewal premium.
The NCB Discount Table Every Car Owner Must Know:
🟢 After 1 Claim-Free Year → 20% discount
🟢 After 2 Claim-Free Years → 25% discount
🟢 After 3 Claim-Free Years → 35% discount
🟢 After 4 Claim-Free Years → 45% discount
🟢 After 5 Claim-Free Years → 50% discount — MAXIMUM!
Real Money Example:
Suppose your car insurance premium is ₹15,000 per year.
Year 1 — You pay ₹15,000 (no NCB)
Year 2 — 20% NCB = You pay ₹12,000 (saved ₹3,000!)
Year 3 — 25% NCB = You pay ₹11,250 (saved ₹3,750!)
Year 4 — 35% NCB = You pay ₹9,750 (saved ₹5,250!)
Year 5 — 45% NCB = You pay ₹8,250 (saved ₹6,750!)
Year 6 — 50% NCB = You pay ₹7,500 (saved ₹7,500!)
Over 5 years total savings = ₹26,250! Just from driving carefully! 🎉
5 NCB Rules Every Car Owner MUST Know:
✅ Rule 1 — NCB belongs to YOU not your car
Your NCB follows you — not your vehicle. When you buy a new car, your accumulated NCB transfers with you!
✅ Rule 2 — NCB transfers when you change insurer
Unhappy with your current insurance company? Switch! Your NCB discount comes with you. Never let anyone tell you otherwise!
✅ Rule 3 — One claim = NCB reset to ZERO
Making a claim for a ₹8,000 dent repair? Think twice! You may be sacrificing ₹5,000+ of annual NCB savings for a small repair. Pay small repairs from pocket — claim only for big damages!
✅ Rule 4 — NCB Protection add-on saves your discount
Add NCB Protection to your policy — costs only ₹500 to ₹1,500/year — and one claim will NOT reset your NCB. Essential for 3+ year NCB holders!
✅ Rule 5 — NCB only applies to comprehensive policies
NCB is not applicable for liability-only third-party policies. It is related to Own Damage which is a component of comprehensive vehicle insurance policy. So if you have only third-party insurance — you have zero NCB! Twintechindia
Should You Claim or Pay Out of Pocket?
Here is a simple rule — if the repair cost is less than your NCB savings for the next year — DO NOT CLAIM. Pay from pocket. Protect your NCB.
Example — Your NCB is 35% on a ₹12,000 premium = ₹4,200 annual savings. A small scratch repair costs ₹3,500. Claiming means you lose ₹4,200 savings next year for a ₹3,500 repair. Not worth it!
Monsoon Special Warning — Greater Noida West Residents!
During the monsoon, waterlogged roads raise the risk of engine damage, which is why claims increase sharply at this time. If you claim for minor water damage, you lose your entire NCB. Add Engine Protection add-on to your policy instead — this covers monsoon engine damage without affecting your NCB! Twintechindia
For complete NCB advice, NCB transfer assistance, and best car insurance quotes in Greater Noida West, Noida, Noida Extension, Gaur City, Crossing Republic and Ghaziabad — contact us today!
📞 9718529107
🌐 lamarcarinsurance.com
📍 Gaur City 2, Greater Noida West
Drop your question in comments — we answer all insurance questions FREE! 👇
