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Overview
Features And Benefits
Third-Party Two-Wheeler Insurance
Comprehensive Two-Wheeler Insurance
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NCB
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Types of Shriram Two-Wheeler Insurance
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Terminologies
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FAQs

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

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

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Car Accessories for Long Drives with Kids in India

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Taking kids on long drives is one of the most joyous experiences, provided you’re carrying the essential car accessories for kids in India. Since kids aren’t comfortable with sitting in the same place for extended hours, you need car accessories that keep them entertained, safe, and comfortable. Accessories for cleanliness, organisation, emergency, and other utilities are also recommended. If you’re planning to take young kids on long drives for the first time or your previous experiences didn’t go well, carrying the accessories listed in this blog will be highly beneficial. So, read the full blog to discover a complete list of family car travel essentials in India.

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

Importance of No Claim Bonus

Frequently Asked Questions

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

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

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