Insurance
NCB Calculator — Estimate in Seconds
Your motor insurance discount for claim-free years — and what one small claim costs you.
₹500
₹15,000
₹5 L
0
3 years
10
₹0
₹12,000
₹50 L
Current NCB discount
35.00%
- Discount in rupees
- ₹5,250
- Next year if claim-free
- 45% (₹6,750)
- NCB lost over 4 years if you claim
- ₹17,250
- Net benefit of claiming
- -₹5,250
What this means.Claiming ₹12,000 would cost you ₹17,250 in lost NCB over four years. Paying this repair out of pocket is cheaper.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
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