Does NCB transfer to a new car in India?

Yes, NCB transfers from old car/bike to new vehicle within 90 days. It's policyholder-specific, not vehicle-specific per IRDAI rules. Max 50% discount retained with proper NCB certificate.

What documents are needed for NCB transfer?

NCB Certificate (free from old insurer), Forms 29/30 (RTO transfer), Aadhaar/PAN, new vehicle RC. Digital platforms like Policybazaar auto-fetch via old policy number.

Can I transfer bike NCB to car insurance?

No, NCB transfers only within same class: car-to-car OR bike-to-bike (private vehicles). Cross-class transfers void the bonus per IRDAI guidelines.

How long is NCB certificate valid?

NCB certificate valid for 3 years from old policy expiry date. Must buy new policy within 90 days of old policy lapse to retain full discount percentage.

Which insurer handles NCB transfer fastest?

Policybazaar/ACKO (instant digital verification), ICICI Lombard (1 day), HDFC Ergo (2 days). All major insurers verify automatically with old insurer database.

What happens if policy lapses more than 90 days?

NCB becomes 0% if gap exceeds 90 days between old policy expiry and new policy start. Renew early or get NCB certificate immediately after selling old vehicle.

NCB Transfer Car Insurance India: Save 50%

Yes, you can transfer No Claim Bonus (NCB) from your old car or bike to a new vehicle in India, saving 20-50% on premiums (up to Rs 10,000+ yearly). NCB belongs to you (the policyholder), not the vehicle, per IRDAI rules. This SEO-optimized guide targets “NCB transfer car insurance India,” “move NCB to new bike,” and “retain NCB when changing insurers” with step-by-step process, documents, and pitfalls.

What is NCB and Why Transfer It? (FAQ: Does NCB transfer to new car?)

No Claim Bonus (NCB) rewards claim-free policy years with premium discounts: 20% (Year 1) → 25% (Year 2) → 35% (Year 3) → 45% (Year 4) → 50% (5+ years). Average sedan (IDV Rs 7L) saves Rs 2,000-12,000 annually at max NCB.

Transfer Rules:

Valid for 3 years post-policy expiry
Same policyholder required (not transferable to family)
Car-to-car OR bike-to-bike (private vehicles only)
Any insurer → New insurer OK with NCB certificate
90-day renewal window or NCB resets to zero

Real Savings Example: Delhi Swift owner with 50% NCB (Rs 9,500 premium) upgrades to Creta. Without transfer: Rs 12,000. With NCB: Rs 6,000 (50% off).

NCB Transfer Eligibility Checker (FAQ: Can I transfer bike NCB to car?)

Scenario	Eligible?	Reason
Selling old car, buying new	✅ YES	Forms 29/30 + NCB certificate
Bike to car	❌ NO	Different vehicle class
Car to bike	❌ NO	Different vehicle class
Same insurer	✅ YES	Automatic, no docs
New insurer	✅ YES	3-year NCB certificate required
Policy lapse >90 days	❌ NO	NCB forfeited
Claim made	⚠️ Partial	Use NCB protect add-on

Pro Tip: Corporate cars transferable only if YOU are policyholder (not company).

Step-by-Step: How to Transfer NCB to New Vehicle (FAQ: What documents for NRC transfer?)

Step 1: Get NCB Certificate from Old Insurer (1-2 Days)

textContact old insurer/agent → Request "NCB Certificate"
Free document, valid 3 years from expiry
Digital: Policybazaar/insurer portal download
Offline: Forms 29 + 30 + application letter

Sample Letter: “Request NCB certificate for policy [no.] expiring [date]. No claims raised.”

Step 2: Sell/Scrap Old Vehicle Properly (Same Day)

textFile Forms 29/30 at RTO → Transfer ownership
Keep: NCB cert + renewal statement (no-claim proof)
Don't transfer policy to buyer—NCB stays with YOU

Step 3: Buy New Policy Within 90 Days (5 Mins Online)

textPolicybazaar/ACKO → Enter old policy no./NCB cert
Upload: NCB certificate + Aadhaar + new vehicle RC
New insurer verifies with old insurer (1-2 days)

Step 4: Verify NCB Applied (Instant)

textPremium reflects discount immediately
Screenshot policy schedule showing NCB %
Quote example: Rs 15K base → Rs 7.5K with 50% NCB

Digital Hack: ACKO/ICICI auto-fetch NCB via policy number—no certificate needed.

Top Insurers: NCB Transfer Process Compared (FAQ: Which insurer is fastest?)

Insurer	NCB Transfer Time	Digital Certificate?	Max NCB	Protect Add-on Cost
ICICI Lombard	1 day	✅ YES	50% + protect	Rs 1,000
Policybazaar	Instant	✅ YES	50%	Free verification
HDFC Ergo	2 days	✅ YES	50%	Rs 800
Tata AIG	1-3 days	❌ Agent reqd	50%	Rs 1,200
ACKO	Instant	✅ Auto-fetch	60% PAYD	Free

Rates Jan 2026; excludes GST. CSR >95% all.

Common Mistakes That Kill Your NCB (FAQ: What voids NCB?)

Policy lapse >90 days → Zero NCB
Wrong vehicle class (car-to-bike)
Not filing Forms 29/30 at RTO
Claim without NCB protect → Drops to 0
Hiding claims → Policy cancellation
Corporate policy (company as insured)

NCB Protect Add-on: Locks your discount even after 2 claims (Rs 800-1,500/year).

Regional RTO Rules + Timelines

text**Delhi/NCR**: Online Forms 29/30, 7-day processing
**Maharashtra**: Parivahan portal, Rs 200 fee
**Karnataka**: 15-day window post-sale
**MP (Indore)**: RTO Bhawarkua, walk-in Forms
**Tamil Nadu**: Instant digital transfer

Advanced NCB Hacks for Multi-Vehicle Owners (FAQ: Multiple cars NCB?)

text**Bundle Strategy**: Main car carries highest NCB (50%)
Secondary cars/bikes: Fresh policies (build new NCB)
**PA Cover Bonus**: Transfer NCB + bundle PA floater
**EV Upgrade**: Same NCB applies to electric cars
**Sell old bike first**: Transfer bike NCB to new bike

Case Study: Mumbai family sells old WagonR (40% NCB), buys Brezza + Activa. WagonR NCB → Brezza (saves Rs 4,500). Activa starts fresh.

Claim-Free Renewal Checklist (Don’t Lose NCB!)

PUC valid
Fitness certificate (<15yr cars)
No claims last 12 months
Renew 60 days early
Digital policy backup

Please follow and like us:

Roadscoop Editorial

Roadscoop editorial a team of is a passionate automotive enthusiasts and industry experts dedicated to bringing the latest news, trends, and insights to RoadScoop.com readers. With a keen eye for innovation and a deep understanding of the automotive world, we covers everything from car reviews and maintenance tips to industry updates and market trends.