No Claim Bonus (NCB) Table: Premium after NCB by Base premium
Reference table of premium after NCB for No Claim Bonus (NCB) across a range of base premium values — exact, engine-computed figures you can read off at a glance.
No Claim Bonus (NCB) Calculator
Verified formula Updated Jun 2026 Private — runs on your device
Verified formula
Private
Premium after NCB
₹8,000.00
- Discount amount
- ₹2,000.00
For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.
How to use the No Claim Bonus (NCB) Calculator
The No Claim Bonus (NCB) Calculator works out your premium after ncb, along with 1 related figure in an instant. Enter base premium and no claim bonus and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.
- Enter the base premium.
- Enter the no claim bonus.
- Read off your premium after ncb, together with discount amount — the calculator updates automatically, with no button to press.
Formula
The No Claim Bonus (NCB) Calculator uses the formula:
Premium after NCB = Base premium × (1 - No claim bonus ÷ 100)
Worked example
For example, with base premium of 10,000 and no claim bonus of 2%, the premium after ncb is ₹8,000.00.
| Base premium | 10,000 |
|---|---|
| No claim bonus | 2% |
| Premium after NCB | ₹8,000.00 |
|---|---|
| Discount amount | ₹2,000.00 |
Results are estimates for educational use, not professional advice.
Frequently asked questions
It is a discount on the premium for claim-free years. A 20% NCB on a 10,000 premium saves 2,000, leaving 8,000.
It rises with each claim-free year, often from 20% up to 50% over five years, depending on the insurer.
Yes. Making a claim usually resets or reduces your NCB, so small claims may not be worth it.
Typically yes. The bonus is tied to you, not the vehicle, so you can carry it to a new car or insurer.
The No Claim Bonus (NCB) Calculator uses the formula: Premium after NCB = Base premium × (1 - No claim bonus ÷ 100). For example, with base premium of 10,000 and no claim bonus of 2%, the premium after ncb is ₹8,000.00.
Enter the base premium. Enter the no claim bonus. Read off your premium after ncb, together with discount amount — the calculator updates automatically, with no button to press.
Related guides
How to Calculate No Claim Bonus (NCB): Formula, Steps & Examples
Learn how to calculate No Claim Bonus (NCB) — the formula explained step by step, with worked examples and a free calculator to check your answer.