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My policy(icici Lombard), which is currently active, carries a No Claim Bonus (NCB) of 45%. However, ICICI Lombard claims department has rejected my claim citing that my previous insurance was a third-party only policy with 0% NCB, and therefore, the current NCB is not valid. My car met a accident on may 12.. They are rejecting my claim due to this.. Will you be able to help.. Thanks

Asked by: Naveen shindhe
NCB is granted only when a policyholder has a comprehensive policy with no claims in the previous year. If your earlier insurer indeed issued only a third-party policy, then technically, the NCB of 45% on your current policy may not be valid, which unfortunately can impact the legitimacy of your claim in India.
Answered by img img By Akbar Merchant and Gavin D'Souza img Jun 09, 2025
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