Get Your Car Insurance 
& Drive Worry Free!

    • *All discounts are provided by Insurers as per IRDAI approved plans.
    • **Standard Terms and Conditions Apply.

What is Car Insurance?

After home, buying that dream car is the next big investment that you can make. Thus, creating a shield for that investment against unforeseen events is crucial. Considering the risks involved in driving and the hike in car repair charges can put a big hole in your pocket. Car insurance policy helps you to cover against losses/damages that may happen to both you and to your car due to events like accidents, thefts, or natural disasters.

The yearly premiums that you need to pay for your car insurance policy is a small amount as compared to the overall financial gain that you can avail from the policy in case of any mishap.

Need of a Car Insurance Policy

India, being the economy with the largest youth population in the world, has millions of people applying for driving licenses. Higher disposable income is allowing a lot of people to own private cars, increasing the risk of road accidents and traffic rule violation. Considering poor road conditions in India, it is necessary to buy a car insurance policy to safeguard not only the car and the owner/driver, but also the third-party property damages/bodily injuries.

Let’s look at the major reasons to have a car insurance policy:

  • Legal Requirement: The Car Act, 1988 makes it mandatory for all cars to be covered under an insurance policy before they can ply on the streets. The minimum requirement is that a car should at least have a Third-Party Legal Liability insurance before it could be driven on a public road.
  • Insurance Against Personal Injury: When someone is not lucky enough to escape out of accidents without any injury, then a car insurance would provide for the expenses towards minor or major injuries due to the accident. 50
  • Third Party Damage Cover: Accidents may noy only cause bodily injury to the owner driver and co passengers, but also may cause serious property damage/bodily injury to third party property/individuals. Without a car insurance, you’ll have to pay for such expenses from your pocket.
  • Own Damage Expenses Coverage: Paying outright from one’s own pocket for car damage repairs is not easy. However, one can remain at peace about such hefty expenses with the help of a car insurance policy as the entire amount will be taken care of by the insurance company.
  • Security Against Theft: With a car insurance policy, you are protected against theft, vandalism, and all man-made harmful activities.


A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Types Of Car Insurance Coverage

Commercial vehicle insurance is of two types.

  • Third Party Insurance Cover: It covers only the third party who has been injured in an accident involving you and your car. As per the Car Cars Act of 1988, third party liability insurance is compulsory for cars plying on Indian roads. Not having a TP Insurance cover would result in paying hefty fines according to the Car Amendments Act, 2019.
  • Standalone Own Damage Cover: It is a car insurance policy meant to protect you and your insured car from own car damages. Since September 2019, insurance companies are allowed to offer standalone Own Damage Insurance policies for cars and cars that have a third-party car or car insurance only.
  • Comprehensive Insurance Cover: This cover is an addition to the third-party insurance plan. Along with third party coverage, it protects the owner of the car from financial losses caused by damage or theft of the insured car.
Third Party Insurance Policy Comprehensive Insurance Policy This is the fundamental two wheeler insurance coverage that includes financial liabilities arising from third party damages.  This type of coverage protects you, your vehicle along with third party person/property from the financial damages caused due to an accident.  It’s mandated under the Motor Vehicles Act Not a mandatory requirement under the Motor Vehicles Act of 1988 Third party insurance is cheaper than comprehensive two wheeler insurance, due to narrow fixed coverage. Due to the wide coverage, this type of insurance is more expensive as compared to third party two wheeler insurance.  Does not cover own damage to the vehicle or Personal Accident cover to the owner-driver.  Does not cover any kind of deliberate damage like damage caused by driving under the influence of drugs/intoxicants, damage caused by illegal racing, etc. Add-ons are not available Coverage can be enhanced with two wheeler insurance add-ons. ;">

Difference Between Third Party Cover And Comprehensive Cover

Third Party Insurance Policy Comprehensive Insurance Policy
This is the fundamental two wheeler insurance coverage that includes financial liabilities arising from third party damages.  This type of coverage protects you, your vehicle along with third party person/property from the financial damages caused due to an accident. 
It’s mandated under the Motor Vehicles Act Not a mandatory requirement under the Motor Vehicles Act of 1988
Third party insurance is cheaper than comprehensive two wheeler insurance, due to narrow fixed coverage. Due to the wide coverage, this type of insurance is more expensive as compared to third party two wheeler insurance. 
Does not cover own damage to the vehicle or Personal Accident cover to the owner-driver.  Does not cover any kind of deliberate damage like damage caused by driving under the influence of drugs/intoxicants, damage caused by illegal racing, etc.
Add-ons are not available Coverage can be enhanced with two wheeler insurance add-ons.

Factors That Affect Car Insurance Premium

Model/Make/Variant: Imported, expensive, lavish cars will attract higher insurance premiums.

1 Model/Make/Variant

Imported, expensive, lavish cars will attract higher insurance premiums.

2 Insured Declared Value (IDV)

IDV is the market value of your car. This is directly proportional to the premiums of your car insurance. As your car ages, the IDV tends to go down because of depreciation. Higher the IDV, higher is your premium.

3 Engine Type

Diesel cars cost you higher premiums than petrol cars. Also, the engine size, measured in cubic capacity (cc) determines your premium amount. Higher the cubic capacity, higher is the premium. Cars running on gas/CNG will have higher insurance premiums.

4 Geographical Location

Car insurance premiums are heavily influenced by where you stay. For premium calculation India is divided into two zones – Zone A and Zone B. While Zone A comprises metro cities including Kolkata, Chennai, New Delhi, Mumbai, Bengaluru, Hyderabad, Pune and Ahmedabad, Zone B covers the rest of India. Premiums for metro cities are higher as compared to rest of the cities due to substantial risk of road accidents. Also places which are prone to more natural calamities like landslides, flood, etc., will attract higher premiums.

5 Type of Cover

Depending on the type of coverage you choose; your premiums portion will vary. Comprehensive insurance will attract a higher premium compared to third-party insurance. While TP insurance is mandatory and Comprehensive is important.

6 No Claim Bonus (NCB)

Depending on how many claims have been made and how many No Claim Bonus (NCB) have been accumulated, insurance premium amount will vary. More NCB you accumulate, the more discounts you are offered on your car insurance premium.

7 Add-on Covers

These are interesting ways to enhance your car protection. More add-ons you choose, the more premiums you must pay, as add-ons come with extra price.

8 Deductibles

If you opt for higher voluntary deductibles in your insurance policy, your premium portion will be lower. This is because the onus of risk is now distributed among the insurer as well as insured.

9 Safety Features

If your car is fitted with safety amenities like ARAI approved anti-theft device, gear lock, GPS, and airbags, etc., the risk of getting it stolen goes down drastically. This instill confidence in the insurance provider about lesser insurance claims and thus reduces the premium rates.

10 Purpose of the Car

If your car is used for commercial purposes, then your premium amount will be higher than normal. This is because commercial cars have a higher risk of damage than private cars.

11 Gender and Age of Rider

Personal factors are also a big reason that decides the premium rate. Comparatively, women are considered safer drivers than men. And hence, women must pay a lesser premium than men. Similarly, age is another factor that has an impact on costs. People aged under 25 years need to pay a higher premium than those aged between 50 years to 65 years who are required to pay the least.

Schedule Of Depreciation For Fixing IDV Of The Vehicle

Age of the vehicle % of Depreciation for fixing IDV
Not exceeding 6 months 5%
Exceeding 6 months but not exceeding 1 year 15%
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 3 years but not exceeding 4 years 40%
Exceeding 4 years but not exceeding 5 years 50%

Depreciation On Parts For Partial Claims

The following rate of Depreciation applies during replacement of parts for partial loss claims for all categories of vehicles/accessories.

  • For all rubber/nylon/plastic parts, tyres and tubes, batteries, and air bags = 50%
  • For fibreglass components = 30%
  • For all parts made of glass = NIL
  • Rate of depreciation for other parts including wooden parts are:
Age of the vehicle % of Depreciation
Not exceeding 6 months NIL
Exceeding 6 months but not exceeding 1 year 10%
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 3 years but not exceeding 4 years 40%
Exceeding 4 years but not exceeding 5 years 50%
Exceeding 5 years but not exceeding 6 years 60%
Exceeding 6 years but not exceeding 7 years 65%
Exceeding 7 years but not exceeding 8 years 70%
Exceeding 8 years but not exceeding 9 years 75%
Exceeding 9 years but not exceeding 10 years 80%
Exceeding 10 years 85%

How To Calculate Car Insurance Premium?

Different companies follow different criteria and use a standard calculator to determine the amount of premium for the selected coverage.

For a new car, you need to provide the following information to calculate the car insurance premiums:

  • Name of the car manufacturer
  • Car model
  • Registration state of the car
  • Manufacture year
  • Car owner details

For a used car, the car insurance calculator needs slightly variable information given below:

  • Type of car and fuel used
  • Previous car insurance plan details
  • Registration number
  • Change of ownership documents (if applicable)
  • History of claims

Inclusions Under Car Insurance Policy

Here is a list of inclusion in a car insurance policy

  • Third-Party Liability Coverage: The third-party coverage will pay for the damage/bodily injury caused by you and your car to a third-party person or their property. This cover is mandatory for all cars plying on road.
  • Personal Accident Cover: It will allow an owner driver or paid driver and co passengers (if any) to get compensated up to a sum of INR 15 lakhs in case of permanent disability or death of a person.
  • Damage Due to Natural Calamities: Natural calamities like earthquake, lightning, flood, etc., and human activities like burglary, riots, strikes, malicious acts, theft, vandalism, and similar activities are also covered in your car insurance policy.
Nature of injury Scale of compensation
Death 100%
Loss of both limbs or sight of both eyes or one limb and sight of one eye 100%
Loss of one limb or sight of one eye 50%
Permanent total disablement from injuries other than named above 100%

 

  • General wear and tear or depreciation in the value of your car is not covered.
  • Electrical or mechanical breakdowns of any nature are uncovered.
  • Driving under the influence of drugs or alcohol or not possessing a valid driving license is neither appropriate nor covered.
  • Contributory Negligence for e.g., the engine's gear oil leaks and yet you drive & the gearbox fails, which is a consequential damage and is not covered.
  • Unfavourable risks like war, mutiny, or nuclear attacks are chaotic and uncontrollable, which results in exclusion from an insurance policy.

Available Add-on Covers in Car Insurance

Add-ons are a saviour when your car is exposed to risks which are not covered in a standard car insurance. They simply enhance your car protection by providing you extra financial aid during any mishap. You need to go through the policy wordings to get the clarity on the value-added services provided by your car insurer.

Add-on In Car Insurance Policy

Return To Invoice (RTI)

The moment a car is sold and leaves the showroom, its value depreciates. The value of the car further reduces with each passing year due to natural wear n tear. When your car faces an unimaginable mishap and is destroyed beyond repairs, insurance companies will refund the complete value/amount mentioned on the invoice if you opt for RTI add-on. However, Return-to-Invoice cover is available only for new cars that are between 3-5 years old.

Zero Depreciation Cover

Zero depreciation or Nil Depreciation or Bumper-to-Bumper Cover is a car insurance add-on for new cars which are not more than 5 years old. Every year due to natural wear n tear, the value of a car depreciates. That is where a zero-depreciation cover helps, as there are no depreciation costs charged when you make a claim, and you get the entire claim amount. Nil Depreciation or Zero Dep plan covers repair and replacement costs of rubber, plastic, and fibre components of the car. Some insurers may allow up to two zero depreciation claims while some may allow unlimited claims.

NCB Protection Cover

NCB enables car owners to save at least 20% to a maximum of 50% in a span of five years. But once made a claim, NCB goes back to 0%. This add-on protects your accumulated No Claim Bonus, also ensures the next NCB slab so that you can earn a significant discount on your renewal premium. Please note that the NCB cover is available only on Own Damage cover premium and not on Third Party Liability Cover premium which is decided by IRDA and cannot be altered.

See More Add-ons

Tips To Save On Car Insurance Premium

There are several ways through which you can save on your car insurance premium without compromising on your policy coverage. Check them out below:

Tip #1 Avoid small claims

No Claim Bonus is rewarded for every claim-free year. You can reserve your NCB to avail discounts on your renewal premium by not making small claims.

Tip #2 Know your car's age

It is important to be aware of the year of manufacture of your car. This is because older cars attract lower premium rates due to having a lower Insured Declared Value (IDV).

Tip #3 Install authorized safety devices

You should consider safety devices that can enhance the safety of your car. Insurers will offer your premium at a discounted rate.

Tip #4 Opt for a higher voluntary deductible

Deductibles decrease the insurer’s liability towards the claim amount as you need to pay a certain share of the amount from your own pocket. Therefore, if you opt for a high voluntary deductible, your insurer will acknowledge it by offering lower premium rates.

Things To Consider Before Buying car Insurance

The following factors are important to be considered while buying a vehicle insurance to get the best rates on your comprehensive coverage:

  • Coverage: Understand whether you need comprehensive coverage or third-party liability coverage on an urgent basis. While third party liability cover is mandatory, it is always better to go with comprehensive vehicle insurance as it would cover both the risks of losses to own damage as well as third party loss.
  • Add-Ons: Find out the add-on features provided by the insurance company and pick the additional coverage that is most appropriate for your vehicle. 
  • Claim Procedure: Get clarity on the claim process of the insurer to figure out whether it is complex or easy at the time when you need it.
  • Network Garages: All motor insurance providers have a network of garages where vehicle service and repairs are more affordable than local garages. Going to a network garage will save you from unnecessary extra expenses during repairs.
  • NCB: For every claim free year, the No Claim Bonus for the next year’s plan progressively increases. So, check for NCB and other renewal discounts with your insurer.
  • IDV: Insured Declared Value is the market value of your vehicle. Only few genuine insurers will offer you the best market value of the vehicle after considering the depreciation amount. With this, you can get compensation in case of theft or destruction of your vehicle.
  • Premiums: Look for detailed bifurcation for the calculated premiums for your motor insurance. Check for comparison online and choose the one that best fits your requirement.
  • Personal Accident Cover: Get clarity whether the policy you are buying will cover you in case of personal accidents or not for that added advantage.
     

Benefits of Buying / Renewing Car Insurance Policy Online

In a world of digitization, customers can now avail the benefits of buying car insurance online. It is way better than the traditional method of getting insurance where customers need not waste time visiting insurance offices. Online is very handy in comparing products from various insurers and then finalising your decision.

Here are some key benefits of getting car insurance online.

1

Easy Comparison

You can get quotes from as many car insurance providers as possible and compare their services and rates without any interference. Most companies provide a detailed explanation for their plans, which helps customers differentiate the features and benefits in a hassle-free manner.

2

Timesaving

No more wasting time to go through the extensive paperwork. The car insurance online can be completed with fewer details and make the entire process less hectic. The information is processed smoothly, and policy is issued without delay.

3

More Economical

Buying car insurance online is more economical than buying it offline. When a car insurance company operates online, its overall operational cost reduces by eliminating the need for an insurance agent. Thus, it reduces the premium for the customer due to absence of agent commission.

4

Instant Policy Issue

When you buy a car insurance policy online, your policy is issued to you almost instantly and all your details are stored by the insurer for future reference.

5

Multiple Payment Modes

Most companies offer multiple payment modes to avail cashless transactions for the insurance policy. You can even renew your car insurance policy online

6

Customisation Option

Customers can opt for coverage plan and add-ons on the policy of their choice. With details of policy features and benefits, customers can very well figure out the most suitable option for them.

7

Transparency

Unlike the conventional ways that were complicated and dealing with car insurance agents was a great task, online car insurance policies provide clear information regarding policy features and the process is quite transparent.

8

Convenient

Whether you are out of the city or have a busy schedule, purchasing your car insurance can be done while you are sitting at home or at office anytime.

9

Online Renewal

With online car insurance, you will stay updated with the policy status and renew the plan on time before its expiry. You need to visit the website, go to the ‘Renewal’ section, put the policy number and other few details and you can complete your payment for renewal.

Filing Car Insurance Claim

Processes and documents required to file a car insurance claim will depend on the type of car and nature of loss.

There are two types of claims:

Cashless Claim Reimbursement Claim
If the concerned damage is covered under the car insurance policy, you can get it serviced at the network garage of the insurance company. You don’t have to pay a single penny here as the entire amount will be settled by the insurance provider to the workshop. In this type of car insurance claim, an insured does not need to get his/her car repaired at a network garage of the insurance provider. For claim reimbursement, an insured must pay for the repairs of the damage first and then he/she needs to submit the bills and repair receipts with the policy provider.

How to make Car Insurance Claims?

  1. Register the cashless claim by calling the insurance provider on its toll-free number or through its website, email, or mobile app.
  2. After registering the claim, the insured receives a claim registration number which can be used for future communications/references.
  3. Take the damaged car to any of the network garages of the insurance provider for repairs to get cashless claims.
  4. The car insurance company confirms its liability and settles the expenses with the network service workshop directly.
  1. Register the claim by calling the insurance provider on its toll-free number or through its website or by email.
  2. After registering the claim, an insured receives a claim registration number which can be used for future communications/references.
  3. Take the damaged car to any garage for repairs.
  4. Submit all the required documents with the surveyor.
  5. The insurance company confirms its liability and initiates the reimbursement process.

What is the claim settlement process?

Claim Settlement Process for Cashless Claims Claim Settlement Process for Reimbursement Claims
After the surveyor receives all the relevant documents, he instructs the garage to work on the damaged car. It is mandatory to report the incident or damage to the insurance provider and get the inspection done by the appointed surveyor within 48 hours of the incident.
The surveyor can conduct another survey after the completion of the repair process at the garage. Once the insured car is repaired in the preferred garage of the insured, he/she can claim for reimbursement.
The Delivery Order (DO) is issued by the insurer after receiving the repairs invoice from the garage. Submit all the original invoice of repairs provided by the garage and receipt of payment to the insurance provider.
The garage is allowed to release the repaired car after collecting the duly signed ‘Satisfaction Voucher’ from the policyholder As soon as all the required documents are approved, the claim amount is reimbursed.

Documents Required to File a Car Insurance Claim

  • Policy document or cover note which mentions your policy number • Engine number and chassis number
  • Incident details like location, date, and time of the accident • Km. reading of the car
  • Duly filled claim form
  • FIR copy (in case of third-party property damage / death / bodily injury)
  • RC copy of the car
  • Driving license copy
  • You will need to submit the following additional documents based on the nature of the incident

 

Accident Claims

  • Police FIR
  • Estimate for repairs from the repair shop where the car is to be repaired
  • Original repair invoice, payment receipt (for cashless claim settlement - only repair invoice) 64
  • Claims Discharge Cum Satisfaction Voucher signed across a Revenue Stamp
  • Car inspection address if you have not taken the car to the nearest garage

 

Theft Claims

  • Previous insurance details - Policy number, insuring Office/Company, period of insurance
  • The sets of keys/Service Booklet/Warranty Card
  • Form 28, 29 and 30
  • Letter of Subrogation
  • Claim Discharge Voucher signed across a Revenue Stamp

 

Third Party Claims

  • Duly signed claim form
  • Police FIR copy
  • Driving license copy
  • Policy copy
  • RC copy of the car
  • Stamp required in case of company registered car's original documents

Save Up to 80%* on Car Insurance

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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply CIBPL/Car/WebBanner/English/Jan-22/011

FAQs on Car Insurance

Can I replace a new car in my current insurance policy?

No, your car insurance policy is attached to your car registration number and hence your current insurance policy cannot be used for your new vehicle. You will need to get a new car insurance policy for the same. In case you are selling your old vehicle, you can just transfer your old insurance policy to the new owner.

What to do if there is a mistake in my car policy document?

In case there is a mistake in your car policy document, you should immediately notify your insurer about it. Provide evidence of the correct information and request your insurer to rectify the mistake. Once the insurer receives the evidence, they will pass an endorsement or issue a new policy document with the correct information.

Is an online car insurance policy a valid document?

Yes. A four-wheeler insurance policy document issued online is legally valid under the motor laws of India. However, make sure that the policy has been purchased from an IRDAI registered insurance company or broker website.

Do I need to file an FIR to raise a car insurance claim?

Under certain types of claims, your motor insurer may need you to file a First Information Report or FIR with the Police as part of the claim process. For instance, claims arising out of car theft or third party liabilities will require a Police FIR. On the other hand, claims arising out of car damages due to natural calamities may not need a Police FIR.

How can I transfer the four-wheeler insurance policy to my name?

To transfer a vehicle insurance policy to your name, you need to follow the steps given below:

  • Fill up Form 28, Form 29 and Form 30 available with the RTO bearing the previous policy owner’s signature
  • Submit the filled-in forms to the RTO along with the proof of vehicle sale
  • Get the Clearance Certificate from the RTO
  • Submit the required documents to the motor insurance company, including application form, old policy document, original RC with your name on it, NOC from the previous owner, etc.
  • Pay the transfer fees The policy will be transferred to your name and a new policy document will be issued to you.

What if my car insurance policy expires?

Every car insurance comes with a validity period, post which you need to renew it to continue to enjoy its benefits. However, even if you miss to get your car insurance plan renewed by the expiry date, you can still get it renewed till the next 90 days from the date of expiry. After the expiry of this 90-day period, car insurance cannot be renewed. In such a case, you need to purchase a new car insurance policy.

Is car insurance mandatory in India?

As per the Indian Motor Tariff, every car owner in the country is compulsorily required to own at least a third party car insurance cover. Absence of a valid third party car insurance plan is a punishable offence which attracts a fine of Rs. 2,000 and/or imprisonment of up to 3 months for the first offence.

How is car insurance premium calculated?

The premium price of third-party car insurance plans is determined by the IRDAI, whereas the premium for standalone own-damage and comprehensive plans vary from insurance company to insurance company. Factors which affect the premium for own-damage four wheeler insurance cover are Insured Declared Value, Engine capacity, Age of the car, Make model & variant, RTO location.

Can car insurance be transferred to the new owner at the purchase of a second hand four wheeler?

Yes, the four wheeler insurance can be transferred from the old owner to the new owner in case of the sale of a second-hand car. As per the Indian Motor Tariff, the policy transfer should be completed within 14 days from the car’s purchase date.

.If I buy new accessories for my car, can I get them insured in the middle of the insurance policy term?

You can insure the accessories that you purchased for your car at the time of car insurance policy renewal time and not in the middle of the insurance policy term.

What do you mean by Constructive Total Loss?

An insurance company declares the insured car to be a constructive total loss when it gets damaged to an extent where repair cost would equal or exceed its cost or its insurance coverage limit. It states that the insurance company will have to pay out the insured value of the car rather than pay for it to be restored to its previous condition.

What is the meaning of voluntary deductible in car insurance?

A voluntary deductible is the share of the insurance claim that the policyholders agree to pay from their own pocket. If you choose this deductible, the premium of your policy will decrease.

What are the risks covered by the comprehensive car policy?

Comprehensive car insurance gives coverage to your third-party liabilities in addition to the damage sustained by your car due to an accident, theft, fire, natural calamities like earthquake, flood, etc, and man-made disasters such as riots, strikes, and so on.

Why is it essential to renew a car insurance plan?

The renewal of the car insurance policy ensures the continuation of policy coverage for the next policy year. Apart from fulfilling legal requirements and policy cover, the on-time policy renewal brings several other benefits such as save your NCB, allow self-inspection and help in hassle-free renewal.

Will my No Claim Bonus get transferred if I renew my car insurance with another insurance company?

Yes, your NCB can be migrated and you can avail of it even if you change your insurance company during the policy renewal. However, you will have to submit evidence of the earned NCB through a renewal notice from your current insurance company.

What document should I submit to avail my No Claim Bonus?

If you are renewing the car insurance policy with your own insurance company then only your policy document will be required to avail No Claim Bonus. But, if you are renewing your plan with a new insurance company for your current car, you will be required to have your previous year’s car insurance policy document or renewal notice which states the NCB you are eligible for.

If I fit a CNG or LPG kit in my car, is it necessary to inform the insurance company?

You must inform your insurance company about the change in your car's fuel type to CNG as soon as you get the kit installed in your car. You should not wait for car insurance policy renewal to inform your insurance company about the modification so that the kit can be covered under the plan.

What is the penalty for driving without valid car insurance?

Driving a car without holding at least a third party car insurance plan is an illegal and punishable offence. According to the Motor Vehicle Act, the punishment of driving a car without holding the basic car insurance policy is ₹2,000 and/or imprisonment of up to 3 months.

How many car insurance claims are allowed in a policy year?

Generally, there are no such restrictions applicable on the number of claims that you can make in a policy year under your car insurance policy. However, one should keep in mind that the car insurance claim impacts your No Claim Bonus (NCB) as well. Also, repeated claims in a policy year and termination of NCB can enhance the amount of premium during the renewal of the policy.