Saudi ArabiaUpdated for 2026autoSaudi Motor Insurance No-Claims Discount (NCD) Calculator 2026
Calculate your statutory No-Claim Discount (NCD) of 10% to 50% for Third-Party Liability (TPL) and Comprehensive car insurance, plus loyalty renewal discounts under Insurance Authority (IA) & Najm guidelines.
Final Net Payable Premium
Calculator Inputs
Final Net Payable Premium
Total Savings from Discounts
Combined Discount Rate
Net Premium Excl. VAT
VAT Amount (15%)
No-Claims Discount (NCD Record)
Renewal Loyalty Discount (10%)
The statutory No-Claims Discount (NCD) is automatically retrieved from Najm central database linked to your National ID / Iqama. All licensed insurance companies in Saudi Arabia are legally required by the Insurance Authority to apply these discounts upon policy issuance.
Calculations comply with the Insurance Authority (IA) and SAMA motor insurance underwriting rules and Najm claims database records.
Calculation Methodology
NCD discounts are applied directly to the base premium quote ranging from 10% to 50% based on consecutive claim-free years, plus applicable renewal loyalty discounts and 15% VAT.
Frequently Asked Questions
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