Mostly the NCB (No Claim Benefit) would be 25% Discount on your insurance premium. You can still ask quote from different insurance providers. Then go for the best one
NCB SLAB
20%*: After the first claim-free year
25%*: After two consecutive claim-free years
35%*: After three consecutive claim-free years
45%*: After four consecutive claim-free years
50%*: After five consecutive claim-free years
Go with Acko insurance.
Keep IDV high.
Best service.
Don’t fall in the trap of low premium and free add-ons companies like Kotak Zurich(Worst service).