Can someone guide me through the process of obtaining an NCB retention certificate from ICICI Lombard online after selling my car?
That’s a very good question because many people are confused about how to keep their No Claim Bonus (NCB) while renewing or shifting car insurance.
How to Obtain NCB Retention Certificate Online for ICICI Lombard Car Insurance (2025)
If you are not making any claim, you can easily carey forward your NCB by getting an NCB retention certificate. Here is the online process:
- First to its official website or you can use mobile app also.
- Now enter your policy number or the details of your car to get the existing policy.
- Now go to the NCB certificate or Retention Request under the policy details.
- You’ll have to upload documents here if they asked for it such as previous policy copy or maybe ID proof.
- After doing all this submit the request online.
- The certificate will be generated and you’ll receive it in your email I’d within few days.
You can use this certificate to renew your policy with ICICI Lombard or even port it to another insurer.
Documents Usually Required:
- A copy of your previous policy can be asked to submit.
- A Car Registration Certificate, Self-attested ID proof.
- You may also need to submit application form.
NCB Benefits for Policyholders (ICICI Lombard – 2025)
| Claim-Free Years | NCB % Benefit on Renewal Premium |
|---|---|
| 1 year | 20% |
| 2 years | 25% |
| 3 years | 35% |
| 4 years | 45% |
| 5 years or more | 50% (maximum) |
Why NCB Retention Certificate is Important
| Point | Without NCB Certificate | With NCB Certificate |
|---|---|---|
| Premium on renewal | Higher | Lower (discount applied) |
| Portability to new insurer | Not possible | Possible |
| Proof of no-claim history | Not available | Officially documented |