Dear Mr. Ajay Bhimbhet, In this article you have mentioned of a situation (Scenario II) where one can retain the existing vehicle and yet get the No Claim Bonus on a new vehicle. For that we need to pay back the bonus allowed on the unexpired period of insurance of the old vehicle. Please provide me the reference of some authentic document in support of this. The 'India Motor Tariff' that I have downloaded from the website of 'Tariff Advisory Committee' does ot have any provision like this. I tried to convice the matter to United India Insurance Co. Ltd. but they declined to accept. They said that there is no provision like this and you cannot get the NCB on the new car unless you sell the old car. I will be grateful if you can help me in this matter. I would request you to treat the matter as urgent as I have already booked the new vehicle. Warm Regards bhaskar chakraborty