No Claim Bonus (NCB) is a valuable reward offered to safe drivers who do not make own-damage insurance claims during a policy year. Learn how NCB works, the standard discount structure, transfer rules, NCB Protection add-ons, and practical tips to maximise savings on your car insurance renewal.

Learn how comprehensive car insurance works, what a package policy covers, claim settlement, IDV, depreciation, deductibles, exclusions and NCB in simple language.

Renewed your car insurance with NCB before the old policy expired? Learn why you must inform your new insurer if you later make a claim under the old policy.