Gray-Image
24*7 Claim Notifications

24*7 Claim Notifications

Almost 100% Paperless

Almost 100% Paperless

Best Claim settlement Awards 2022

Best Claim settlement Awards 2022

previous
  • Overview
  • Features And Benefits
  • Third-Party Two-Wheeler Insurance
  • Comprehensive Two-Wheeler Insurance
  • Calculate Premium
  • Save On Premium
  • Renewal Benefits
  • IDV in Bike Insurance
  • NCB
  • Zero Depreciation Bike Insurance
  • Roadside Assistance
  • New Bike Insurance
  • Engine Protection Cover add-on
  • Deductibles
  • Types of Shriram Two-Wheeler Insurance
  • Coverages
  • Compare Plan
  • Premium Components
  • Eligibility and Required Documents
  • Buy / Renew
  • Claim Process
  • Bike Insurance Premium Calculator
  • Terminologies
  • Policy Download
  • FAQs
next

What is a No Claim Bonus (NCB) in Two Wheeler Insurance

  • No Claim Bonus (NCB) is provided by insurance providers to the insureds who have not made any claims during the policy tenure
  • NCB is applied on the Own Damage premium that the policy holder has to pay during the next policy period
  • 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
Read More

Importance of No Claim Bonus

  • NCBs can be beneficial for policy holders in the long run, as they increase with every year they go claim-free
  • It also reflects positively on the policy holder's driving record and can result in comparatively lesser premiums in the future

Period of Shriram Motor Insurance

No Claim Bonus Percentage

No claim made during the preceding full year of Shriram Two-Wheeler Insurance

20%

No claim made during the preceding 2 consecutive years of Shriram Two-Wheeler Insurance

25%

No claim was made during the preceding 3 consecutive years of Shriram Two-Wheeler Insurance

35%

No claim made during the preceding 4 consecutive years of Shriram Two-Wheeler Insurance

45%

No claim made during the preceding 5 consecutive years of Shriram Two-Wheeler Insurance

50%

Frequently Asked Questions

What is a No Claim Bonus (NCB) in Two-Wheeler Insurance?

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

Can I transfer my No Claim Bonus (NCB) to a new insurance policy or a new vehicle?

  • Yes, you can transfer your No Claim Bonus (NCB) to a new insurance policy or a new vehicle, provided that you have not made any claims during the previous policy period
  • One can transfer your NCB by obtaining a No Claim Bonus certificate from the previous insurance company and submitting it to the new insurance company

What happens to my No Claim Bonus (NCB) if I make a claim during the policy period?

If a policy holder makes a claim during the policy period, the No Claim Bonus (NCB) will be reset to zero for the next policy period

What our customers say ?

4.6

1753+ Customer Ratings

View all
customer

MARCUS MANOHAR PARKHE

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

customer

ANIL KUMAR HP

Good

customer

VAISHALI VAIBHAVKUMAR PANDYA

very good

customer

CHAUDHARI JASAVANTKUMAR

Good

customer

AKRAM KHAN

Good

left-arrowright-arrow
Quote

Blogs

Car Photography Tips to Fuel Your Instagram Growth

The Art of Car Photography: Tips for Taking Instagram-Worthy Shots of Your Vehicle

Posted on 2025-12-02 05:59:07

This blog shares highly effective car photography tips and car photography ideas that can help you take Instagram-worthy pictures that grab attention, build a loyal community, and position you as a follow-worthy influencer. If you’re on any social media platform, particularly Instagram, your feeds would have started showing you more car images than before. The sudden popularity and growth of car photography are largely due to its appeal as a top-tier status symbol and the rising car enthusiast communities online. While those viral car images may appear to be taken by professional photographers, you can take similar images using the creative car photography ideas and tips shared in this blog. We’re spilling the beans on the best angles for car photography and other car photography tips, so ensure you read the full blog.

India’s Top Car-Themed Cafes and Restaurants

Car-Themed Cafe and Restaurants Across India: Where Automotive Meets Dining

Posted on 2025-12-01 12:59:45

The rising popularity of car-themed cafes in India indicates that the country’s dining scene is no longer just about food; it’s about the experience. Car-themed restaurants in India are growing rapidly because they blend the thrill of automobiles with the joy of eating out. Together, they create unique venues where decor, ambience, and themes are as much a part of the experience as the dishes themselves. This unique experience delights both automobile enthusiasts and casual diners alike. If you’re looking for a concept dining experience that combines playfulness, nostalgia, Insta-worthy backgrounds, and delicious food, then you must visit the automotive restaurants in India listed in this blog.

Best Car Phone Mounts and Holders for Safe Driving

Best Car Phone Mounts and Holders for Safe Driving

Posted on 2025-11-28 10:35:29

Using a phone while driving is both risky and illegal in India, except when using hands-free devices. If you want to use your phone while driving, whether for entertainment or direction purposes, installing it on a phone mount for a car is a smarter option. This simple car accessory keeps your eyes on the road while keeping your phone within reach. Beyond safety, car mounts are also necessary for legal compliance. In this blog, you will find the five best car phone mounts that can simplify your driving experience.

View all

Bike Insurance in Indian Cities

Bike insurance in agra
Bike insurance in delhi
Bike insurance in coimbatore
Bike Insurance in Bangalore
Bike insurance in dehradun
Bike insurance in jaipur
Bike Insurance in Indore
bike insurance in ahmedabad
Bike insurance in pune
Bike insurance in gurgaon
Bike insurance in mumbai
Bike insurance in Bhopal
Quick renewal Quick renewal
bimabharosa
Back to TopBack to top of the pageBack to top of the page

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.

Terms and Conditions |Refund and Cancellation© 2023 Shriram General Insurance. All rights reserved.