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Definition: No-claim bonus (NCB) is a discount in premium offered by insurance companies if a vehicle owner has not made a single claim during the term of the motor insurance policy. 6 days ago · NCB full form in Insurance · NCB in Car Insurance - How it works? · Is it a good idea to make small claims and lose No Claim Bonus?. No Claim Bonus (NCB) is a discount offered on Own Damage (OD) premium for not claiming on your car insurance during the policy period. No claim bonus or NCB in car insurance is a discount given by the insurer to the policyholder for making no claims in preceding years. All about No Claim Bonus (NCB) in car insurance.