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Garima Avtar on Instagram: "#GACarFinanceTips NCB (No Claim Bonus) is one of the easiest ways to save money on car insurance — and many people miss it when buying a new car. NCB is a reward for claim-free years. It can start at 20% and go up year by year, up to 50% after 5 claim-free years. The key thing: NCB is linked to you (the policyholder), not the car. So even if you sell your old car, you can transfer your NCB to your new car’s insurance. How to use it: ✅ Ask your old insurer for an NCB c