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  • Overview
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What is a No Claim Bonus (NCB)?

  • No Claim Bonus (NCB) is provided by the insurer to the insureds who have not made any claims during the policy term
  • NCB is applied on the Own Damage premium that the policy holder has to pay during the next policy term
  • No Claim Bonus increases with each consecutive claim -free year, up to a maximum of 50%
  • NCB can be transferred to a new insurance company when the policy holder switches insurers
  • NCB can also be transferred to a new vehicle, provided the policy holder has sold the old vehicle and is purchasing a new one
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Importance of No Claim Bonus

  • Maintaining a NCB can be beneficial for policy holders in the long run, as the NCB percentage increases with every claim-free year
  • It is also transferable when the policy holder sells the vehicle and purchases a new one. The NCB can be transferred by submitting a proof of the previous policy's NCB to the new insurance company
  • It also reflects positively on the policy holder's driving record and can result in comparatively lesser premiums in the future
  • NCB is transferable when the policy holder switches to a new vehicle or a new insurance company
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Period of Shriram Car Insurance

No Claim Bonus Percentage

No claim made during the preceding full year of Shriram Car Insurance

20%

No claim made during the preceding 2 consecutive years of Shriram Car Insurance

25%

No claim was made during the preceding 3 consecutive years of Shriram Car Insurance

35%

No claim made during the preceding 4 consecutive years of Shriram Car Insurance

45%

No claim made during the preceding 5 consecutive years of Shriram Car Insurance

50%

Frequently Asked Questions

What is a No Claim Bonus (NCB) in Car Insurance?

NCB is offered by insurance companies to policy holders for not making any claims in the previous policy period. The discount can range from 20% to 50% of the own damage premium

What is a NCB Certificate?

The insurance company issues an NCB certificate to the policy holder at the time of policy renewal, indicating the NCB percentage. The certificate should be retained by the policy holder and submitted to the new insurance company during policy transfer or renewal

What is the validity of the NCB?

The NCB is valid for up to 90 days from the policy expiry date. It can be used during the renewal of the policy for the new vehicle or the same vehicle. If the policy is not renewed within 90 days, the NCB becomes null and void

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Mr. Khalil, your Executive was very coperative. the overall experience was very good. Thank you.

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Shriram Car Insurance in Major Cities in India

Delhi

Delhi

Chennai

Chennai

Mumbai

Mumbai

Ahmedabad

Ahmedabad

Gurgaon

Gurgaon

Bangalore

Bangalore

Agra

Agra

Bhopal

Bhopal

Pune

Pune

Indore

Indore

Jaipur

Jaipur

Dehradun

Dehradun

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Maruthi Wagan R

TN32TY6799

NCB Discount: 25 %

  • Model

    VITARA BREZZA ZDI

  • Policy End Date

    31/12/2024

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Premium Amount

₹ 1326 +GST

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IRDAI Consumer Education:- Insurance is the subject matter of solicitation. IRDAI Registration Number - 137. CIN No. U66010RJ2006PLC029979. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

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