Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

What Is The Maximum No Claim Bonus Under Bike Insurance?

Published On Feb 11, 2021 11:00 AM By InsuranceDekho

NCB or No Claim Bonus refers to a discount that is offered at the time of renewal of your insurance if no claim has been made during the policy tenure. Let’s read all about it.

Bike Insurance No Claim Bonus or NCB is a discount offered to you at the time of renewal of your bike insurance. It is offered if there have been no claims made during your policy tenure, as a reward for being a cautious and low-risk customer. This discount on your premium is one of the most popular ways to avail of a reduction to your premium cost. It is cumulative in nature and increases over time with every year that you go without filing a claim. How does one get the maximum benefit out of NCB? Let’s find out.

What Is The Maximum No Claim Bonus Under Bike Insurance?

What Is The Maximum No Claim Bonus In Bike Insurance?

The maximum NCB in a policy is 50%. It will come back to 0 if you file a claim and then will start to accumulate once more from the beginning. Up till 50%, it accumulates in the following progression:

Number Of Continuous Claim Free Years

Percentage Of No Claim Bonus (NCB) Discount









5 or more


What is NCB Protect Add-On?

The NCB Protect Add On is an additional coverage you may purchase in order to help maintain your NCB discount cumulation. It is offered so that customers may avoid a single claim setting back their NCB discount cumulation. Under this kind of add on cover, making a small claim would allow you to continue to accumulate NCB without having it set back to 0 with every claim. It is a useful way to get the maximum out of No Claim Bonus and to enhance the coverage of your bike insurance policy.

Also Read

How is Two-Wheeler Insurance Premium Calculated?

Different Ways To Check Two-Wheeler Policy Status


NCB is a popular and useful way to save on your bike insurance premium. As mentioned, it is used to reward customers for being responsible and imposing minimum risk upon the bike insurance company. The maximum NCB discount is 50%, after which you will stop accumulating an NCB discount even if you do not make a claim. When comparing bike insurances online and deciding which one is best for you, make sure to factor in which one offers the highest NCB.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

must dotmust graphics

Why to buy from InsuranceDekho?

  • Instant policy# within 5 mins
  • More than 45 lac happy customers
  • Claim Support available all 7 days of the week

People Also Read



Find the right bike insurance for you

Partner Bike Insurance Companies

Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.

Calculate your Two Wheeler IDV

Find the right bike insurance for you