No Claim Discount (NCD) is a discount that a rider gets when he/she has not made any insurance claim during the preceding period of the insurance. NCD discounts will increase with every passing year. However, once you have made a claim, you will lose the NCD entitlement. The amount of NCD you receive depends on several factors like type of motorcycle, coverage, and the number of years you haven’t made a claim. Normally, bikes get around 25% of NCD.