Having a bike in India means more than just convenience - it's a form of freedom, cost-effectiveness and practicality. But owning a two-wheeler means being accountable for the insurance and maintenance costs as well. One of the more significant benefits of a bike insurance policy is the No Claim Bonus (NCB).
The NCB specifically rewards you for being a responsible policyholder and not filing claims during a policy period. Despite this benefit, many policyholders miss out on NCB or have questions on how to check NCB in a two-wheeler insurance policy.
This blog explains NCB in two-wheeler insurance and shows you how to check NCB in bike insurance online and offline. We will also outline the NCB percentage slabs available in your policy and highlight the importance of checking your NCB to maximise the benefits of your insurance.
What is NCB in Bike Insurance?
The No Claim Bonus (NCB) is a type of rebate offered by insurance companies to bike insurance policyholders who do not file a claim during the policy year. It is a discount applied to the premium payment for renewing their two-wheeler insurance.
If you ride safely and do not file any claims, you earn a higher percentage of NCB each year. This discount applies only to the own damage component of the premium, not the third-party liability portion.
Key Features of NCB:
- Applies only to comprehensive or own-damage bike insurance policies.
- Increases with every claim-free year.
- It can be transferred to a new bike or to a different insurer.
- Lapses if a claim is made during the policy period or if renewal is delayed beyond 90 days.
Thus, understanding what is NCB in bike insurance and regularly monitoring it is essential for every two-wheeler owner who wants to save on premiums.
Ways to Check NCB in Bike Insurance
There are multiple online and offline ways to verify your NCB details. Knowing how to check NCB in bike insurance ensures that you receive the correct discount during renewal and that your insurer’s records reflect your claim history accurately.
Let’s explore how to know NCB in bike insurance with the practical methods below.
Check NCB Online via Insurer Portal
The most convenient and reliable way to find out your NCB status is through your insurer’s official website or mobile app.
Here’s how to check NCB in bike insurance online:
- Visit your insurer’s website.
- Log in using your registered mobile number or policy number.
- Navigate to the Policy Details or Renewal Section.
- View your current policy summary — the NCB percentage will be displayed under Discounts or No Claim Bonus.
Check NCB in Policy Document
If you prefer a traditional method, you can refer to your bike insurance policy document. The NCB percentage or discount is mentioned clearly on the first or second page of your policy schedule.
Look for the following sections:
- “Own Damage Premium”
- “Discounts”
- “No Claim Bonus” or “NCB Percentage”
Request an NCB Certificate
If you’re switching insurers or selling your old bike, you’ll need an NCB certificate. This certificate is an official document issued by your existing insurer confirming your accumulated NCB percentage and claim-free years.
Here’s how to get it:
- Write or email a formal request to your insurance provider after policy expiry or vehicle sale.
- Submit relevant documents (policy copy, sale receipt, ID proof, and RC transfer details).
- The insurer will issue an NCB certificate that mentions your NCB percentage and its validity.
Contact Insurer or Agent
If you prefer direct assistance, you can check your NCB status by contacting your insurance agent or customer service representative. Share your policy number, vehicle registration number and registered mobile number. They can quickly confirm your NCB percentage and explain how to calculate NCB for bike insurance. This is especially useful if you’re unsure about your claim history or have switched insurers in the past.
Check NCB Status During Policy Renewal
When you renew your two-wheeler insurance, the NCB is automatically applied if you have a claim-free history. While renewing online:
- Enter your policy or vehicle details.
- Review the premium breakdown before making payment.
- Look for the “No Claim Bonus” line item, which shows the discount percentage.
If the NCB percentage appears lower than expected, contact your insurer before finalising the payment.
Check NCB via Insurance Aggregator Websites
Insurance comparison websites or aggregators also make it easy to check your existing NCB. Follow the steps to know how to check the previous NCB in bike insurance:
Steps:
- Visit a trusted aggregator site.
- Enter your vehicle registration number and previous policy details.
- The system automatically fetches your NCB from the insurer's database.
Verify NCB through Customer Support
If you are unable to access your insurer's portal or document, the customer support helpline is another reliable option for assistance. Call your insurer's toll-free number and request your NCB details.
Most companies will verify your identity and share the information instantly. You can also use email or live chat support to ask the same.
Check NCB Transfer Status
If you’ve recently changed insurers or bought a new bike, it’s essential to verify whether your NCB transfer has been successfully updated in your new policy.
You can check this by:
- Logging into your new insurer’s account
- Viewing your policy schedule or renewal summary
- Contacting customer support if your NCB is missing
Tip: Always retain a copy of your old insurer's NCB certificate, as it serves as proof in case of any disputes or errors during the transfer process.
NCB Percentage Slabs in Bike Insurance
Understanding the NCB percentage in bike insurance is crucial to know how your claim-free years translate into discounts.
Here’s a breakdown of the standard NCB slabs applicable in India:
| Claim-Free Years | NCB Percentage |
|---|---|
| 1 Year | 20% |
| 2 Consecutive Years | 25% |
| 3 Consecutive Years | 35% |
| 4 Consecutive Years | 45% |
| 5 or More Consecutive Years | 50% |
Important Rules About NCB:
- NCB applies only to the policyholder, not the vehicle.
- If you sell your bike, you can transfer the NCB to your new vehicle.
- NCB becomes invalid if you fail to renew the policy within 90 days of expiry.
- Even a small claim (like a broken mirror) can reset your NCB to zero.
Hence, if minor damages occur, it’s often wiser to bear small repair costs out of pocket rather than filing a claim that affects your NCB.
Why Checking NCB is Important?
Verifying your NCB is not just a formality — it’s an essential step that ensures you get the premium discounts you’re entitled to. Let’s explore the main reasons.
- Ensures Correct Premium Calculation: Incorrect or missing NCB information can lead to higher premiums during renewal. By verifying your NCB beforehand, you can ensure the discount is applied accurately, thereby reducing your total insurance cost.
- Prevents Loss of Rewards: If you’ve been claim-free but fail to renew within the grace period, your NCB lapses. Regularly checking your NCB ensures you renew on time and retain the benefits you've earned.
- Helps in Easy Policy Transfer: When switching insurers or buying a new bike, your NCB can be transferred smoothly only if your current details are accurate. Verifying your NCB helps prevent delays or mismatches during the transfer process.
- Maximises Long-Term Savings: A high NCB percentage significantly lowers your premium year after year. Keeping track of your NCB helps you plan renewals wisely and maintain your claim-free streak for maximum savings.
- Builds a Strong Insurance History: Consistent NCB accumulation demonstrates to insurers that you are a low-risk, responsible driver. This can improve your credibility and help negotiate better premiums in the future.
- Avoids Claim Rejections Due to False Declarations: Declaring a higher NCB than you’re eligible for (intentionally or by mistake) can result in claim rejection later. Regularly verifying your NCB ensures transparency and protects your claim rights.
Conclusion
The No Claim Bonus (NCB) is one of the most valuable rewards available under bike insurance. It not only lowers your premium but also reflects your commitment to safe and responsible riding. Knowing how to claim NCB for bike insurance, whether online or offline, helps you ensure accuracy, retain benefits, and make informed renewal decisions.
Whether you check your NCB through the insurer portal, policy document, or aggregator website, make it a habit before every two-wheeler insurance renewal. This simple step can help you save thousands of rupees and preserve your well-earned reward.
A disciplined rider not only protects their vehicle but also their finances — and the No Claim Bonus in two-wheeler is a perfect example of how insurance appreciates that discipline.
FAQ
Yes. Your NCB percentage is usually listed in your policy document under the “Discounts” or “No Claim Bonus” section. It reflects the bonus you’ve earned for not filing any claim during the policy term.
You can request an NCB certificate from your insurer after selling your bike or switching to a new insurer. Submit your old policy, sale proof, and a written request — the insurer will issue the certificate within a few working days.
Absolutely. The NCB belongs to the policyholder, not the bike. You can transfer your accumulated NCB to a new vehicle or insurer by providing your NCB certificate and previous policy details.
Yes. NCB lapses if you fail to renew your policy within 90 days after its expiry date. To retain your bonus, constantly renew your two-wheeler insurance on time.
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