No Claim Bonus

[Master]

I was reading somewhere that if you claim only wind screen damage claim, you NCB would not be impacted with the claims. Means that it will be treated like you had not made any claim. Is it so?

Yes, you are right.

[ReVoLuTiOn]

I have two cars - one Honda City (2007) and another one - Hyundai Santro (2005). Both the above cars are insured with ICICI Lombard. Honda City is covered with comprehensive cover and Hyundai Santro is third party cover, because it’s little old. Last year for Hyundai Santro, I had changed insurance cover from comprehensive to third party, at that time I was enjoying the 45% NCB. As I had moved to third party, insurance company not provided me the NCB. Now I have moved to new city and the risk is more so again I wanted to go for comprehensive cover for my Hyundai Santro, but insurer is saying that you will have to start as fresh for NCB. Is it so?

[Vivek]

I have two cars - one Honda City (2007) and another one - Hyundai Santro (2005). Both the above cars are insured with ICICI Lombard. Honda City is covered with comprehensive cover and Hyundai Santro is third party cover, because it’s little old. Last year for Hyundai Santro, I had changed insurance cover from comprehensive to third party, at that time I was enjoying the 45% NCB. As I had moved to third party, insurance company not provided me the NCB. Now I have moved to new city and the risk is more so again I wanted to go for comprehensive cover for my Hyundai Santro, but insurer is saying that you will have to start as fresh for NCB. Is it so?

Your insurer is right!
First, The NCB is transferred only when the car is insured within 90 Days from the date of buying/transferring the old car.
Second, You would be able to retain NCB till next 2 years from the date, you have sold your vehicle. Plus you would not have been bought any other vehicle.
In your case you had change the coverage to third party, in which case the NCB is not allowed, so you lost your earned NCB.