Car Insurance Renewal After a Claim: NCB, IDV and Cover Checklist

In this short

• CAR INSURANCE Renewing After A Car Insurance Claim Check NCB, IDV, add-ons and policy documents before paying the next renewal quote.
• THE NCB RULE A Claim Can Reset NCB 0% IRDAI guidance says a lodged claim can remove the NCB in the subsequent policy period.
• THE SLABS NCB Applies To Own Damage 20% → 50% Published slabs move from one claim-free year to five or more claim-free years.
• READ THE QUOTE Compare IDV And Deductibles A lower total can hide a lower IDV, fewer add-ons or a higher out-of-pocket excess.
• CHECK BEFORE PAYING Keep Claim And PUC Records Save the closure record, repair papers, policy schedule and valid PUC before renewal.
• READ THE FULL GUIDE Use The Renewal Checklist Follow the point-by-point comparison to understand what changed and what still needs clarification.
• READ THE FULL GUIDE Get the complete breakdown Numbers, comparisons and what to check next.