No-claim discount (NCD) refers to the premium discount received by policyholders who have not made any claims within a specified period. The maximum NCD for motorcycles is 30% (same as for commercial vehicles), while for private cars, it's 60%. If you are purchasing a motorcycle for the first time, you will not have an NCD in the first year. Additionally, it's important to note that the NCD for motor insurance and motorcycle insurance is not transferable.
Years with No Claims
Motorcycle NCD (No-Claim Discount)
1st Year
0%
2nd Year
10%
3rd Year
20%
4th Year
30% (Maximum)
5th Year
30% (Maximum)
