Calculator
Filing a motor claim resets your No Claim Bonus. See whether the claim payout is actually worth what you'd give up in future premium discounts.
Claiming is worth it — your ₹8,000 claim beats ₹4,500 of NCB you'd give up over 5 years by ₹3,500.
Your Current NCB
The IRDAI-standard ladder: 20% after 1 claim-free year, 25% after 2, 35% after 3, 45% after 4, capping at 50% from year 5 onward — every Indian motor insurer uses this exact structure.
From your own renewal quote — NCB only discounts the own-damage portion, not third-party premium. This tool never guesses a premium for you.
NCB Loss Over Horizon
₹4,500
Net of Claiming
+₹3,500
Filing any claim resets your No Claim Bonus to 0% at your next renewal, and it takes up to 5 claim-free years to climb back to the 50% cap. Every year in between, you pay a higher own-damage premium than you would have paid staying claim-free — this calculator adds up that difference over your chosen horizon.
No — NCB only discounts the own-damage (OD) portion of your premium. Third-party premium is set separately and unaffected by your claim history in this way.
For a small repair, the NCB you'd give up over the next few years often exceeds the claim payout — this is exactly the case this calculator is built to catch, since it's easy to only think about the immediate repair cost and not the multi-year discount you're trading away.
Related tools
Your No Claim Bonus (NCB) climbs the IRDAI-standard ladder — 20%, 25%, 35%, 45%, capping at 50% — for every consecutive claim-free year, and resets to 0% the moment you file a claim. For a small repair, the extra premium you'd pay while rebuilding that discount over the next few years can easily exceed the claim itself.
Disclaimer: This tool computes NCB arithmetic on the own-damage premium you enter — it does not quote or estimate any premium itself. Actual insurer renewal pricing depends on many factors beyond NCB.
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