Earned only on own damage section of the Package Policies covering all classes of vehicles except Motor Trade Policies, Road Transit Risks, Road Risks, Internal Risks. For policies covering liability including Fire and/or Theft risks the NCB will be applicable on the Fire and/or Theft premium only. An insured becomes entitled to NCB only at the time of renewal of the policy after the expiry of the full duration of twelve months provided insured has not made any claim during the last policy period of one year. The NCB can be accumulated up to a maximum limit of 50% on OD Premium. Discount on premium is uniform for all types of vehicles, ranges from minimum 20% to maximum 50% corresponding with 1 to 5 consecutive claim free years. The NCB follows the fortune of the original insured and not the vehicle or the policy. In case the customer is switching/changing to a company from any other insurance company and have accrued some NCB from previous insurer, he can get the same transferred in case the vehicle is insured within 90 days of renewal due date. In the event of the transfer, the new owner is not entitled to the NCB and hence the proportionate amount will be recovered if the new owner is not presently entitled to NCB or not enjoying NCB. NCB can be allowed on a substituted vehicle. However, the substituted vehicle must of the same class as the vehicle on which the NCB has been earned. In the case of an individual owner in the event of death of the individual where the custody of the vehicle passes to the spouse and/or children and/or parents or others the NCB entitlement can be transferred to the legal heir. If a vehicle is sold but not replaced immediately the NCB earned could be claimed within 3 years of cancellation of policy sold, for any fresh insurance. IN practice a few insurers are allowed lesser NCB than entitled on transfer or on substitute vehicle belonging to a different sub-class.