# Transferring No Claim Bonus Between Insurers

> Retain discount when switching insurers at renewal with proper documentation.

Category: Motor Insurance
Read time: 1 min
Source: https://whiteshield.insure/knowledge-centre/ncb-transfer-motor.html
Markdown URL: https://whiteshield.insure/knowledge-centre/ncb-transfer-motor.html.md

NCB belongs to the policyholder and transfers when switching insurers at renewal with valid proof. Obtain NCB certificate from the previous insurer and apply within the allowed window after expiry to avoid lapse.

Incorrect NCB declaration can void own-damage claims—match declarations to prior policy records.