Here’s a little-known truth about car insurance: you don’t have to keep paying the same premium year after year. In fact, with Uniffy’s No Claim Bonus (NCB) feature, you could be rewarded for safe driving and end up paying less every renewal—without reducing your coverage.
Sounds good, right? Let’s break down exactly how it works and why NCB is one of the smartest ways to save money on your car insurance.
🚘 What Exactly is No Claim Bonus (NCB)?
No Claim Bonus is a simple reward system:
✅ Drive safely
✅ Don’t make any claims during the year
✅ Get a discount on your next renewal premium
With Uniffy, you can get up to 50% discount on your premium just by maintaining claim-free years!
💡 Think of it as your insurer saying, “Thanks for driving responsibly—here’s a reward.”
📝 How Much Can You Save with Uniffy’s NCB?
Here’s how Uniffy’s NCB rewards build up:
- 1st claim-free year: ✅ 20% off
- 2nd consecutive year: ✅ 25% off
- 3rd consecutive year: ✅ 35% off
- 4th consecutive year: ✅ 45% off
- 5+ years: ✅ 50% off your premium!
That means if your starting premium is ₹10,000, by the 5th year you could be paying ₹5,000 or less—without sacrificing any coverage.
🛑 What Happens If You Make a Claim?
Normally, a claim resets your NCB to zero.
✅ But here’s the Uniffy advantage:
With smart add-ons like NCB Protection, you can retain your No Claim Bonus even after making a small claim.
✅ This means:
- Small repairs? ✅ NCB stays safe.
- Minor accidents? ✅ No impact on your rewards.
💡 Many Uniffy users love this option because it keeps their long-term savings intact, even if an unexpected minor accident happens.
✨ Pro Tips to Maximize NCB Savings with Uniffy
- 🏷️ Always review your policy at renewal—Uniffy’s dashboard shows your exact NCB status.
- 🛠️ Avoid claiming for small repairs—sometimes it’s cheaper to pay out-of-pocket and retain your NCB discount.
- 🛡️ Add NCB Protection—shield your bonus from getting wiped out after one small claim.
- 🚘 Transfer NCB to new cars—when you upgrade, your NCB comes with you!
📉 Why Smart Drivers Choose Uniffy
✅ Fair premiums + increasing discounts
✅ Customizable add-ons to protect NCB
✅ Transparent digital tracking of bonus
✅ Fast, paperless renewals with loyalty rewards on top
💡 With Uniffy, safe drivers don’t just avoid accidents—they also pay less every year.
🎁 Final Takeaway: Drive Safe, Save Big
Why pay the same or more every year when you can pay less by simply driving responsibly?
With Uniffy’s No Claim Bonus rewards, you get:
✅ Lower premiums
✅ Continued full coverage
✅ Stress-free renewals year after year
👉 Check your personalized quote and NCB eligibility at Uniffy.me and start saving smartly on your car insurance today!