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About this tool
NCB percentage and premium saved after consecutive claim-free years, with next-year slab, add-ons and GST on your motor renewal.
The No Claim Bonus Calculator shows the discount you have earned on the own-damage part of your car or two-wheeler premium after consecutive claim-free years, using the standard 20/25/35/45/50 percent slabs. It nets the bonus off the OD premium, adds third-party and add-on cover, applies GST and gives the exact rupee amount you save. It also projects the slab you land on at the next renewal — including what happens if you make a claim this year.
Open No Claim Bonus Calculator on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Applies the standard motor NCB grid — 20%, 25%, 35%, 45% and 50% — to the own-damage premium only, the way insurers do.
Adds third-party premium, add-on covers and GST so the number you see matches the amount you will actually pay.
Shows the bonus you would forfeit by claiming and what an NCB protection add-on preserves.
20% after one claim-free year, 25% after two, 35% after three, 45% after four and 50% after five or more consecutive claim-free years. The 50% level is the maximum.
No. NCB is a discount on the own-damage component only. The third-party premium is set by IRDAI and never discounted, and most insurers do not apply NCB to add-on cover premiums.
A single own-damage claim normally resets the bonus to zero at the next renewal, unless you hold an NCB protection add-on, which lets you make a limited number of claims while keeping the slab.
Yes. NCB belongs to the owner, not the vehicle. You can carry it to a new car by getting an NCB retention letter from your existing insurer, and it transfers freely when you switch insurers at renewal.
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