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About this tool
Track motor insurance NCB growth across the 20-25-35-45-50 percent slabs and see what one claim really costs you.
A No Claim Bonus tracker projects the discount on your motor insurance own-damage premium across the standard IRDAI ladder of 20%, 25%, 35%, 45% and 50% for one to five consecutive claim-free years. Enter your own-damage premium and current bonus to see the rupee value of the discount each year, and model what happens when a claim resets it to zero. Vehicle owners use it to decide whether a small dent is worth claiming or paying for out of pocket.
Open No Claim Bonus Tracker 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.
Compare claim-free and post-claim premiums over the same horizon in one table.
Converts each slab into the actual discount and the actual extra cost of claiming.
Applies the bonus to the own-damage premium alone, the way insurers actually calculate it.
The standard ladder is 20% after one claim-free year, 25% after two, 35% after three, 45% after four and 50% after five or more. The bonus is capped at 50% no matter how many further claim-free years you complete.
No. NCB is applied only to the own damage portion of a comprehensive policy. The mandatory motor third party premium is notified by IRDAI and carries no discount, so your total renewal premium never falls by the full bonus percentage.
Compare the payout with the extra premium you will pay while rebuilding the bonus. If you hold a 45% bonus, one claim drops you to 0% and it takes five consecutive claim-free years to return to 50%, which for a mid-size car often costs more than a small repair.
No. NCB belongs to the owner-driver, not the vehicle or the insurer, so you can transfer it when you switch companies or buy a new car by producing the previous policy and an NCB retention letter. It does lapse if you renew more than 90 days after the policy expires.
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