How to get proof of your no claims discount

, Mar 14 2016 at 9:43 am

Updated Monday, March 14, 2016

When switching insurers you’ll need to provide your new insurer with proof you’ve built up as many years worth of no claims discount as you say you have – and it’s not always as straightforward as you might think.

So here’s how to get proof of your no claims discount…

What is no claims discount (NCD)?

For every year you drive without making a claim on your car insurance your insurer will give you one year’s no claims discount (NCD) that will give you a reduction on the price of your policy.

Also known as no claims bonus (NCB), these discounts are accumulated each year – the more years you drive without making a claim, the greater the reduction in the cost of your car insurance.

A word of warning though, both the discount offered and the maximum number of years’ worth of NCD you can accrue varies from insurer to insurer, so be aware of this when switching.


How long is proof of no claims valid for?

Proof of no claims is usually only valid for two years, which means if you’re off the road for any reason or don’t have your own policy for more than two years, you’ll be back to zero NCD the next time you take out cover.

How to get proof of no claims discount (NCD)

At MoneySuperMarket, we recommend drivers not to renew automatically every year with the same firm but to check whether it’s worth switching provider. This is usually the case, as insurers tend to reserve their best prices for new customers rather than existing ones.

As and when you do make the switch your new insurer to ask for proof of no claims discount. The problem is, you’ll most likely have to get that proof from your last insurer, and each company handles this process differently.

One company might include your proof of no claims in your renewal or cancellation letter, another might send a specific proof of no claims discount letter, while a third company might only send proof if you request it.

We rang around a number of insurers to get find out how you’re meant to get hold of your proof of NCD and whether any of them send the proof out automatically. Here’s what they had to say…


What to do when you have your proof of NCD

Once you’ve got your proof of no claims discount in hand – whether that’s a letter, in an email or a PDF – there are stringent rules about getting it to your new insurer which, if broken, can leave you out of pocket or worse, uninsured.

To make sure you’re not caught out, here’s a look at some of the things to watch out for when you change car insurance providers and have to provide proof of no claims discount.

  1. Your annual renewal letter may serve as proof of no claims discount, so hang on to it. Saga, Santander and HSBC, to name but a few, say their renewal letters should suffice as proof.
  2. Not all insurers will automatically send you proof of no claims discount. Check our table to see if yours does, and what you need to do if they don’t.
  3. There is usually a time limit on getting your proof of no claims discount to the new insurer. This tends to range from around 7 to 21 days.
  4. If you don’t provide proof of no claims within the time limit, your new policy could be cancelled, leaving you uninsured, or your premiums could be increased as if you didn’t have a no claims discount.
  5. Some insurers will not accept a photocopy of your proof of no claims discount letter, and will ask that you send the original. If this is the case, be sure to make a photocopy for yourself.
  6. Most insurers only recognise no claims discount up to a certain point. For example, the greatest discount HSBC and M&S will recognise is nine years. Insurers also have different maximum percentages, usually 70% or 75%.
  7. Your new insurer may contact your old insurer to get the proof of no claims discount itself, but it will tell you if it intends to do so.
  8. It’s also worth a follow-up call if you’ve not heard anything a week after you’ve sent the proof of no claims discount. The insurer should send you some kind of letter or email to confirm receipt, but don’t assume they’ve received it because you could be driving around uninsured.

How an NCD mishap can leave you without insurance

As a real-life example of how easy it is to get tripped up by all of this, MoneySuperMarket employee Hannah Jones found herself unwittingly driving around without any car insurance after sending off proof of her no claims discount.

Hannah switched to Sheila’s Wheels and was told to send proof of no claims discount within 14 days, which she did.

To Hannah’s surprise, she received a letter from Sheila’s Wheels saying the policy had been cancelled because they hadn’t received the proof. This was two weeks after it was sent, and the letter was backdated by a week.

Making matters worse, when Hannah called Sheila’s Wheels to explain it had already been sent, she was told that they would contact her previous insurer and that they didn’t really need the paperwork!

Though Hannah was able to explains matters and correct the situation, at first she faced a cancellation fee and higher premiums if she still wanted insurance with the company.

Clearly, even if you receive and send your proof of no claims discount, things could still go wrong, so it’s worth checking if you’ve heard nothing back.

And if you’ve built up a number of years’ worth of no claims discount it’s worth considering protecting it so you can still take advantage of the annual reduction even if you’ve made a claim.

What is no claims discount (NCD) protection?

NCD protection allows you to have a set number of ‘at fault’ accidents each year without affecting the discount. This means your NCD remains intact even if your insurer can’t claim their costs back.

And while this won’t necessarily stop the cost of cover increasing after a claim – insurers use your claims history to calculate premiums, with the discount factored in at the end – it should still mean the annual cost is lower than if you’d not protected your NCD.


How much does no claims discount (NCD) protection cost?

NCD protection adds an average of £33 a year on to the cost of car insurance and making a claim on a protected policy will see your annual premium increase by around £10.

If, on the other hand, you had five years’ unprotected NCD and made a claim, you could expect to see your car insurance jump by £130.

It’s not quite as simple as it seems though – the research also found the longer you have NCD protection without making a claim, the less cost-effective it becomes.

If, for instance, you have five years’ protected NCD and make a claim within a year, you will be better off by an average of £54.

Making a claim in the second year will see your saving drop to £21, and then plummet to just £12 if you don’t claim for three years.

And if you don’t claim until the fourth year, you’ll have paid so much in unused protection you’ll actually be £45 out of pocket.

How to make a car insurance complaint

If you have a grievance with an insurance company, you need to make a complaint, so get in touch as ask for details of their official complaints procedure.

Always keep a note of the time and date of your call, and ask for the name of the person to whom you speak. Store any emails you send and any replies you get.

The insurance company will then have eight weeks to look into your complaint and respond fully.

If you wish, the Financial Ombudsman Service (FOS) – which is free to use – will contact the insurer and tell them about your complaint. Full details of this service here.

If you’ve complained to an insurance company and don’t feel you’ve been treated fairly, give the FOS a call: 0300 123 9 123 or 0800 023 4567.

They will review the case and, if appropriate, take up the matter on your behalf.

Originally published Tuesday, May 28, 2013

Have you struggled to get proof of no claims from an old insurer? Or have you failed to get the proof to your new insurer on time and paid for it? We’d love to hear about it in the comments below…

166 thoughts on “How to get proof of your no claims discount

  1. Jonathan Scott-Smith

    If you have many years’ NCD it is worth checking, when you take out a policy, that the insurer will provide proof of the full number of years rather then just the number they recognise for discount purposes. A subsequent insurer may recognise more.

    1. RobbieK

      Why the hell are the insurance firms allowed to call all the shots, name the price, take our money and simply wipe their feet on us, creating hell for the general public by knocking people for a chunk of their NCD and simply demeaning us all by ignoring requests for NCD proof to be sent to yourself.
      Though not all Insurers act as such, when it does happen you will know about it and it does create a string of crap you’re helpless to stop, new insurance cancelled, premiums hyped up etc.
      It can cause untold damage to peoples lives, its blatantly obvious, common knowledge what goes on, and it needs stopping now. What justification is there to “play up” and not provide proof of NCD for you to pass onto your new insurer?
      What is the bloody point of it? Nothings gained financially by your previous insurer by doing this, the purposeful ignorance is an insult to our intelligence

    2. Huw Davies

      Very true. I had, I estimate, 12 years of claim free driving. Directline credited me with 9 years NCD. I changed my car with 3 months left before the insurance ran out. There was a hefty admin fee to change my policy details to include the new car and it proved a lot cheaper to just cancel the Directline policy and take out a new one with Aviva.
      Aviva only awarded 5 years NCD, their maximum.
      A year later Directline was a lot cheapest, as I was a new customer.
      Renewal time again and I find I ‘only’ have 7 years no claims when I have been driving for over double that time without a claim.
      If I insure with a company that only gives a 5 year NCD then this time next year I will, officially, only have 6 years NCD!
      The bottom line has to be the price/service balance.

    3. LizD

      I absolutely agree!. My real NCD is 18 years, yet RAC have it as 9. I have driven safely for all those years and want that recognized in numbers!. RAC: “The more years you have held insurance without claiming the higher the discount we will apply to your premium”. You see why RAC want to ignore the real figures!.

      1. Laura

        Is there any way around this? I have 16 years NC and am looking for a new insurer. I have no problem if they only acknowledge 9 of them for their policy, but effectively they will be stealing 8 of them at the end of the policy if I go elsewhere

        1. Les Roberts

          Hi Laura,

          Unfortunately this is all down to the discretion of the individual insurer and so there is no way around it as far as I know – can I ask who you are currently insured with?


  2. Sharon Walker

    I have two scooters and I have two policies with two different insurance companies but I was trying to get my no claims discount put onto my new bike but the company I am with with my new bike won’t take this into account as I still have insurance on my old bike which I have my no claims discount with if I cancel the insurance with the old bike they want me to pay them money to cancel this I feel that as I’m still using both I want to protect myself whilst using my bikes


    aviva car insurance steal your no claims as they only give you back 5 years regardless of how many years you have

    1. George Mitzov

      It’s not only Aviva, Admiral Group has the same practice. I had 13 years NCB when I went with Diamond but had one claim and they reduced my NCB down to 3 years and that is because when one has a claim they will reduce one’s NCB not from the number of NCB earn but from the number of years they recognise which in their case is 5 years. So beware and check before you renew your insurance whether your new insurer has the same “cheeky” practice or get a NCB protection.

  4. john o'connor

    Beware Adrian flux insurance use finance company to pay for your insurance you end up dealing with two companies end up on a merry go round of phone calls they get all there money up front from finance company you end up paying a debt collection company and losing my no claims

    1. L

      I had my policy cancelled as they hadnt received my no claims proof. Although i had called several times to explain i had struggled to get the info from my old insurer. As i was working away from home i didnt reveive the letter saying they will cancel. I drove for two days with no insurance. I had to pay a cancellation feeand for my new policy as they had me by the short and curlies. They should increase your insurance not cancel it. As this seems like a money grabbing scheme. I had to use my credit card to Pay for it. Putting. myself in debt. Not impressed.

  5. CHRIS

    I have just had a problem regarding my future Proof of No Claims / No Claims History from RAC Insurance:

    I asked before insuring with them to confirm that I would be able to get proof of my exact amount of Years accrued No Claims History when I leave the Company – I was told Yes and I purchased the Years Insurance.

    What I mean by this is that I gave them proof of an 11 Years No Claims History from my previous Insurer and if I leave them after a Year of Insurance without claiming I wanted a Letter proving that I had not had a Claim for 12 Years.

    When I tried to get this confirmed in writing after becoming a Customer it was refused and I was told in a automated Email to Contact Customer Services on the telephone.

    I tried to put across the difference between their `Normal` Proof of the Customer`s Maximum No Claims Discount which is set at 9 Years and my request for actual proof of my accrued Years without a Claim which would be 12 Years at the end of this Years Insurance Policy.

    They still refused to put anything in writing that actually states that I would have accrued `12 Years of No Claims HISTORY`.

    They kept insisting that because of their `Maximum No Claims DISCOUNT` they would only be able to send that as `proof of any No Claims`.

    I argued that I should be able to obtain something that would prove my actual `History of No Claims` – i.e. the 12 Years.

    I should not have to accept that I come to RAC Insurance with an 11 Years Proof / History of No Claims and then leave with a 9 Years Proof of No Claims.

    Reluctantly it was agreed that they would if requested by Me provide an additional Letter stating that `I had come to them with an 11 Years proof of No Claims and had not claimed within the Years that I had been Insured with them`.

    They did not agree that they should just write that I had accrued a 12 Year period without making a Claim.

    It was even suggested to Me to use the 11 Years Proof of No Claims that I had sent to them [PDF] instead of their 9 Years proof if I went to another Company next Year – as it is valid for 2 Years.

    I was expecting to be able to obtain this actual amount of Years accrued `History of No Claims` because I had no problems getting it for the 10 Years Proof and 11 Years proof since I passed the seemingly `Industry Standard Maximum No Claims Discount` threshold.

    I had given the example of Insurers who have a 5 Years No Claims as their Maximum Discount period – I would NOT want to go to one of those Companies with 11 Years No Claims HISTORY and then leave a Year later with Proof of 6 Years !

    As I am accruing Years of not making a Claim I want EVERY Insurer to provide Me with Proof of the exact amount of Years that I have reached.

    I feel very aggravated about this and I am anticipating that I will have problems obtaining a Letter from them with the correct wording when I leave at the end of the Years Insurance.


    1. Michelle Narula

      Hi Chris,

      I currently have exactly the same issue. I wondered if you managed to resolve it to your satisfaction? If so, may I ask how?

      Many thanks.


  6. Patrick

    My problem has not been getting the letter as proof of no claims but one of getting the insurers to increment the years. I have been sitting on 7 years ncb for the past 3 years and I am unable to get the insurers to increment each year, they say, Oh Yes, we will, but don’t. I do change insurers each year following the cheapest one each time.

  7. Andrew Sims

    Zurich have an automated phone system to request proof of NCD. I used it and Zurich failed to send it within 14 days. I ended up calling their customer service number and it took 28 minutes to get through to a human to request proof of NCD. It finally arrived a week later – 2 days later than they said it would. So regarding customer relationship marketing on at the end of a contract? Will I use Zurich again for any insurance products in future? If quotes are similar – no chance

  8. Amanda jury

    I took insurance with lloyds who wanted proof. I scanned my renewal note stating the no claims on it and lloyds said they had not received it. I then re scanned it and sent the original by post. Lloyds still cancelled the insurance as they said that it was insufficient evidence. I felt that it was a con in order to get my business and charge a cancellation fee but I did not pursue it with them and took out insurance with Halifax and SAga instead who did not require proof and were only a couple of pound more.

    1. katy

      why on earth is there no national data base for this kind of thing?or if there is why do the insurance companies insist on wasting peoples valuable time chasing a piece of paper just to prove what they must be able to find out already?I have 18 or 19 years of ncd also protected,you’d think that would make it secure?national database please insurers!!!sort it out,our lives should be getting simpler with the invention of computers not harder!!!!

  9. max irvine

    I have over 30 years of no claim discount all for nothing,because if you insure on line to many insurance companies and it asks in boxes if you have more tthan 5 years as a limit for NCD then if you take out the insurance ,12 months later at renewal you have only 6 years NCD and if you go to another company that has a ceiling of 5 years NCD you start again…They only go back 2years for NCD so all the renewals you kept are useless……

  10. ann wilkinson

    I’m going thru the very same thing with onecall, I sent off my details as required and the library assistant helped me to scan and send…the company sent me an aknowledhement email and I thought all was well, I’m away from home for a while staying with family, so any post would not have reached me, and last week I got an email to say that if I don’t send proof etc then my insurance will be cancelled by the end of the month, (MAY) which was just a few days ago I sent them a copy of their email saying they were in receipt of said ‘proof’ and I’ve not heard back as yet…is this a scam from said insurance …they’ve taken full payment from my account and say I’ll have to pay a forfeit cost and also they’ll inform DVLA that I’m not insured……what a carry on!!!!!

    1. Luke Withers

      Exactly what I am experiencing now – just recieved a letter saying they are going to cancel my policy in 7 days despite me sending the scan of my drivers licence and PDF of NCD multiple times. It seems they have my licence but not the NCD which were in the same communication!
      I paid for my insurance in one lump sum and now they are telling me I need to pay a cancellation fee.
      I used to work for an insurance company and this is as sketchy as it gets in my opinion.

      Really not happy. Avoid One Call Insurance like the plague!


  11. wayne

    Churchill failed to send it out after repeated requests and was unhelpful as I didn’t renew with them.

  12. wayne

    surprisingly co – op insurance were difficult to get no claims proof sent out and took ages to acknowledge receipt on joining them even when offered a faxed/emailed copy immediately.
    Not very (co-op)erative

  13. Kerrie Blennerhassett

    I hadn’t insured my motorbike for 2 years. It was coming upto the 2nd year of not being insured when I got the bike insured again. I sorted out new quotes etc and got detAils of my no claims from my previous insurer. I took up an an insurance policy just on the 2 year deadline when I would have lost my no claims discount. When I contacted my previous insurer the day after the 2year deadline to get the proof of no claims, they couldn’t give it to me as it had been erased from their system. The new insurance company were helpful and luckily managed to find a solution in that they were able to contact the insurance underwriters on my behalf who confirmed the no claims discount. Phew.

  14. Jeff burger

    Hi, I switched from Express Car Insurance to Tesco and what a joke Tesco requested the proof and the emailed copy wasnt suffiecient so Express demanded Tesco phone them but Tesco said its not their policy to do so and visa versa – I had to tell Tesco they had a copy and if they wanted anything else they need to get it – they eventually did?? took about 90 min of ringing one then the other?

  15. Lynda

    Yes. I have car insurance with the coop (CIS). Their renewal notice never shows the actual no claims years but shows a lower number of years. This makes it hard to make acurate price comparisons at renewal. When I phone the coop for actual no claims years I get varying information over the phone and if I use the wrong number of years no claims if switching to another company then I may find myself uninsured through no fault of my own.

  16. Robert Hodson

    I had a vehicle which had broken down on the motorway and was written off as the engine damage due to a failed cam belt was horrendous.
    I saved for three years to obtain a better car and in the mean time did not drive… However when I renewed my insurance with LV their operative claimed I had lost the right to my no claims bonus, would this be correct?
    S R H.

  17. Danny McShane

    I’ve noticed differences in how insurers treat ‘maximum’ NCB. Having had17 years ncd, continuous insurance and no claims, my current insurer lists this as 10 as that is their maximum, and that’s what their Proof of NCD now shows.

  18. Elaine French

    Last summer I was driving around for 3 weeks whilst on holiday with no insurance after OneCall cancelled my insurance by letter also backdated saying that I had failed to pay and extra £25 premium to renew my insurance after I had paid “the full amount” asked for over the telephone. Why was this sum not mentioned to me when I renewed? Why was I not contacted by telephone or text or email? Surely this should not be legal? Also it cannot be a 1 off it is just a con obviously I had to pay for a much more expensive insurance as we live in a very remote place and need transport.

  19. Reg Alston

    I would like to correct an error in your information. I am a customer of SAGA and in your script and your table you say that they provide proof of no claims at renewal. This is incorrect. I have just received my renewal notice and all it says is that I have 70%; nowhere does it say that I have 9 years. It’s about time that it was made a requirement that all companies must state in their renewal letters how many years NCD the driver has accrued. I actually have 46 years but can’t prove it! As for requesting it to be sent, this should be unnecessary with the amount of data that the insurance companies have access to about all of us, I feel sure that that data is held.

    1. Jan Jeans

      I had exactly the same from SAGA, stating my no claims period as 5 years and only 70%. They sent the NCD at renewal along with an inflated quote so I left and went to Halifax who required the document. They seemed alarmed at the 70%. I can’t recall claiming anything for over 20 years so have no idea why this is done. Also SAGA are now asking for that document back. I wouldn’t have thought they had any right to retain it but have now had to ring Halifax to try to get it back to return it to SAGA, WHY??

  20. R Brown

    I, like many others I’m sure, have been the victim of insurers who wipe out years of no claims at a stroke stating that it is their policy to give a maximum of 5years no claims on all policies. Saga tried to give me 3years no claims last year. I complained and was given 5years. Armed with this and a previous renewal I applied and sent in my 2letters to Sainsburys. They took my money and kept my renewals until 2days before my insurance expired. They then said they would only accept one renewal letter and requested an additional premium. I cancelled immediately and asked for my documents to be returned. A very rude telephonist told me I would have to wait 2weeks.(they were never returned) Black marks Saga and Sainsburys. Fortunately Aviva agreed to insure my whilst I obtained yet another renewal document from Saga.

  21. Brian Ashton

    Can you explain why a no claims bonus is only accepted by a new insurer on one car as I recently had a situation where I had a second car that I wanted to insure to be advised by another new insurer that as I had already used my no claims discount on the 1st car I couldn’t also use it on a 2nd car. Can you please explain the rules if adding a 2nd car for insurance purposes please?

    1. lesley

      Yes, you can only use the NCD you have per existing policy, for replacement policy.

      eg – I have 2 cars, when I purchased my 2nd car, I started a brand new policy, and as my accrued NCD was already being used on my existing car policy, I had nil ncd for the 1st yr of cover.

      Obviously as the yrs have passed, and I have remained accident free, I have now also accrued full NCD on my 2nd policy (having changed providers over the yrs) – so in effect I have 2 independent NCD qualifications, running on 2 car policies, which are both independent of each other …

      Hope that makes sense ….

      Although really if you have accrued NCD then you should be able to be used it from day one on a 2nd policy, if you’re claim free, you’re claim free end of ….. its just a way of the insurers making money where they can, and as long as they are allowed to get away with it they will. (same as the lost ncd yrs being discussed, which yes I’ve fallen victim to 3 times !)

      Hope this helps

  22. Tony

    When sending off any document alway get a certificate of posting from the P Office (no charge for this!) This would have helped in Hannahscase.

  23. Roger Elphick

    To rid us of these problems insurance companies should send out no claim bonus forms annually if the driver has not made a claim

  24. Elizabeth June Gronow

    I recently received my renewal notice from Aviva showing just 5 years no claims discount. When taking out insurance with them 2 years ago I provided proof that at that time I had 9 years n.c.d. Can you give me an explanation for this as I am now told I can only be allowed 5 years with other insurance companies. Many thanks.

  25. Wyn Marks

    I was insured by The National Farmers Union for approximately 40 years. I was fined for speeding while working under great pressure on the Foot and Mouth outbreak ( very much related to agriculture). The NFU bumped up my premium by a ridiculous amount claiming that I had become a higher risk. This was after 40 years of no claims. I refused to pay the inflated premium and the NFU refused to confirm my period of no claims. SO MUCH FOR LOYALTY!!!!

  26. allan

    Just changed car insurance from Aviva to Lloyds T S B. when i was quoted nothing was said about the length of N.C.D. they wanted and all the companies i have ever used before 5 years was all that was asked for. Two weeks after taking me on they inform me that they work on a 9 year no claims and i was only able to supply 5 years so my premium has now increased by another £22.48. I do not think this is fair. (I have not had a claim in 45 years of driving).

  27. Bill Crane

    It would be useful to have info on the LENGTH OF TIME different insurance companies will still accept proof of NCD as qualifying for the discount, e.g. I believe Co-op accept proof of NCD for four years from cessation of last policy (whether this is restricted to their own policyholders/different for others, I don’t know).

  28. Christine Goddard

    I took out a policy with Swinton all was fine then they sent me a letter to say that the direct debit had not gone through. I sent them a letter to say that I had changed banks and here were the new details. I then went away on holiday and they claim that they phoned me on my landline (we had someone staying at the house and an answer phone) and that they did not have a mobile phone number – this had been on the internet form that I filled in and they claim not to have had it and they never asked for it at any point or said it was missing. They then cancelled the policy charging me the full whack plus admin of £50.00 – I have challenged this as I had written to them – they left no message on our phone – they said it was their policy just to phone and not to leave a message ! They claim never to have received our letter – we are now at stalemate and I am threatening to take them to the ombudsman.

  29. Elly Somers

    I have been driving for over 40 years and never made a claim, so in effect I have a no claims bonus for that amount of years although I appreciate the max varies from one insurer to another and there lies the problem. I insured my car on line this year as is the norm, and learnt the hard way that the drop-down boxes which say 5+ years really mean only 5 years will apply for NCB. My previous insurer was Saga who say they make no checks as they take people on their word and no proof could be provided. I therefore was only credited with 5 years and now have to earn the remainder in time. I did take it further but was assured I did not have a case, so paid up reluctantly!

  30. Jim Mellin

    Problems if you move abroad for a few years then come back to uk and try to use no claim bonus. I had car insurance for several years with Direct Line and had full no claims discount. In 2003 I moved to Spain, bought a car and insured with the Spanish version of Direct Line, called Linea Directa and got the benefit of my No claim record supplied by Direct Line. I have now returned to the UK and am trying to insure with DL again. They will not accept proof of no claim from Linea Directa because they no longer own it and in any case will not accept any foreign proof of no claims .

    1. Rick Knight

      Just had exactly the same with Linea Directa – I am fuming. Did you find anyone that will accept it?

      1. Heather Russell

        I’m just doing the same thing after 15 years in France – RAC have taken me on and will accept the NCD BUT it has to be in English – French Insurer won’t provide that (don’t blame them – they didn’t require it in English when I went the other way) and it HAS to be translated by a registered translator – cost £75-90 !!!!

    2. Karl

      This might help someone: in Spain the document you need to ask your insurer for is a ‘Carta de no siniestralidad’. That was the easy bit…
      The difficult parts: (1) The standard carta de no siniestralidad states the percentage discount, while UK insurers want the number of claims-free years. (2) UK insurers want the document to be in English – essentially impossible with mainstream Spanish insurers.

  31. Unimpressed with Swintons customer care

    Wife sent No Claims to Swintons Halstead Branch, but they claimed to have not received it & then wrote to us using delayed postage & a 2nd class stamp to cancel policy which they said was not reversible so suffered cancellation charges and charges for new insurance with another firm, even though offered to drive a copy over to them, Eventually complained via head office & few days after their response to settle disputed charges , the branch announce they have received the proof in post eventually, Have asked them to retain the proof & also envelope so we can track markings on it as to why Royal mail took so long to deliver. The branch still have not sent this to me even though we have now moved all our insurance elsewhere , Moral of Story Send all Proof recorded or with proof of Postage.

  32. igor Griffiths

    Ah Sheila’s Wheels I just got the same letter today despite sending them my paper driving license, no NCD as Dial Direct are uncontactable for anyone who works and have refused to deliver on all promises of delivering my NCD.

    Thus, I will have to contact Sheila’s Wheels tomorrow and see where I stand. Definitely regret having anything to do with Dial Direct.

    One question, do these companies legally have to provide a NCD and what is the point if they are all on the national database. And as for returning certificates of insurance that they never delivered well that’s a rant for another day.

  33. Chris Buck

    I have just renewed my insurance from NFU Mutual to Aviva. They requested my proof of NCD which was on the renewal from NFU so I emailed a copy to them. They then replied and said they wanted proof from my previous insurance company otherwise they would reduce my 7 years down to zero. I could not remember who the previous insurer to NFU was so I had to cancel my policy with Aviva and they charged me £26.50 for the privilage……total rip off if you ask me.

  34. Eileen Eaton

    I have the same problem as Jim Mellin. So far three companies have refused to accept no claims bonus certificates from Spain even if it was Linea Direct (Direct Line) Please, is there an answer to this?

  35. Michal

    My insurance policy with clements worldwide ended 3 weeks ago and i still didnt receive NCB though i sent few request by email and keep calling every day to just be told my request will be forwarded to right person. I already got cancellation letter from new insurance company and am not sure what can i do other then keep calling clements in hope one day they will send it. If they handle claims with same attitude then i say the customer service is worse then bad. Its really ridiculous that it must be proved but prove dont have to be provided. Dont use clements if you dont want trouble in future.

  36. Alex Jordan

    I was insured with Endleigh. After a couple of months I changed cars from a Vauxhall Zafira to a Ford KA, they wanted £408 extra! I looked around and found they were the most expensive by more than £299 so I asked them to cancel the policy. I took out my KA insurance with Marks and Spencer’s. To get proof of my no claims from Endsleigh to give to M&S I had to send back my certificate of insurance which I did, immediately. Six weeks later and numerous emails I am still waiting. M&S are obviously not happy and have given me the option to either cancel my policy or pay the extra. I am fuming, it’s not fair. Where do we stand legally?

  37. david


  38. Pete

    Being an experienced Private Hire Taxi Driver for the past 22 years I decided to move from Westminster/Tradex my previous insurer with whom I had been insured for the last 8 years after I received my annual renewal quote from them of around £1,500 over to Freeway Insurance Services UK Ltd when I found they gave me a £300 cheaper quote online.

    The changeover to Freeway who I’m now with was perfect, however, I have been waiting and still am to receive my original Proof of No Claims Bonus from Westminster/ Tradex for almost 7 weeks now, as I’m both worried and concerned that I might not be able to work if I don’t receive my Proof of NCB soon.

  39. Cheryl bache

    Churchill have lost my no claims discount, as I’m not on their systems! They were quite happy to take my money but now apparently I’ve never been insured with them.

    I have spent weeks chasing around and now am getting a fine from my current insurer.

    Why on earth don’t the DVLA own this process so you can get the document from one source!

    This is such a scam that the insurers are playing and getting away with!… When are the government going to step up. Instead I have to take matters into my own hands. (Solicitors)

  40. Michael Harris

    After switching companies many times for better deals over many years myproof of ncd has disappeared somewhere down ther line I cant remember some of the companis but have never ever claimed or had an accident is there anything I can do I am a 58 yr old man I have been driving since getting my license in the raf any help would be gratefully accepted

    1. Mark Hooson Post author

      Hi Michael.

      I spoke to the Association of British Insurers about this for you, and it’s a bit of a difficult situation.

      An insurer will want to see written proof of your no claims, rather than taking your word for it, so the only thing you can really do is go back to the last insurer which did acccept your NCD entitlement and ask them for proof.

      1. Cate mitchell

        Omg I’m having a nightmare with co op I insured with them last year sent them proof of 9 years ncd, Iv now sent 6 emails asking if they’ll send me 10 years proof ncd and I keep getting the same email back saying they can’t send ncd as the policy is invalid? Yes it’s invalid as you sent me a quote that was £250 more than other insurance companies, so what do I do now? Surely they don’t expect me to take out an insurance policy just to get my ncd, do they?
        Iv no idea what to do now as my new insurers are requesting proof. Help..

  41. Manoj

    Hi friends I had nine years no clam bones in September 2010 . Same month I had disability car they don’t du anything with no clams discounts . After three years I am back to square one .starting again . Nine years saving for nothing . Any one help

  42. Peter Carmichael

    Hi, im not sure if this is a daft question or not.

    i have currently worked up around 7 years NCD and im thinking of completely giving up my car so that i dont need to fork out huge sums each month, if do this it would allow me to save up for few months and then go and get a car etc.

    See if i get out my current contract for car and car insurance and keep my NCD can this be used again in say 6/7 months down the line when i get a new car? or do i need start from scratch again.

    Thanks for help and look forward to response.


    1. Les Roberts

      Hi Peter,

      Not a daft question at all – your NCD will still be valid in six or seven months. Although all insurers differ, most will probably just insist it’s been issued within the last two to three years, so you should have plenty of time to save up – speaking of which, (puts on salesman voice) have you checked our savings channel


  43. sari

    We took out insurance with One Call Insurance and like many others before us wish we hadn’t!! Firstly they charged us £53 to take a driver off the policy.
    But the big problem is now that we are without insurance and our good credit ruined.
    Our No Claims Discount was available from our other insurers, but the other insurers would not give a certificate as our policy was still running.
    All One Call had to do was call them to verify our 2 years no claims. Which they agreed to do. We sent an email to verify all details, as requested by the company,
    They claimed that they never received the email, even though we had an automated reply from the company saying that they had received it and can prove that their server received the very detailed message. I spoke to 3 people at the company Dale, Dan (manager) and Shane (sales) and they all denied that the email existed. Lies Lies Lies! My partner is an IT systems administrator and he can prove that the email was sent. However, the company didn’t even want any proof. They said “the policy was cancelled” and that was that.
    They had cancelled the policy whilst we were away for xmas allowing us to drive without insurance for 300 miles! There were no emails from them, just a letter that took 10 days to arrive. We are taking this further but cannot drive at present as we are not insured. They are trying to charge us an extra £1100 now and we are totally stuck!


    1. Joe Bloggs

      One Call are an absolute NIGHTMARE to deal with – do yourselves a huge favour and NEVER get involved with this company.
      I had an eight month battle, involving the Ombudsman, to get to square with this company. In the end the Ombudsman severely reprimanded them and ordered refunds and compensation.
      When One Call sent the money back, they wrote to me separately saying “sorry the money was taken twice in error, here is your refund”..!!! They simply could not bring themselves to accept responsibility, even at the death.
      They are not interested in car insurance per se – only in how much they can wring out of you in ‘fines’ and charges.
      Another thing we noticed was how they write to you saying ‘if you don’t pay this fine by (e.g. the 26th) then it increases by £25’, and you will find the letter poss dated (e.g. 5th) but not mailed out until 25th 26th i.e. they LIE and CHEAT to make sure you cannot possibly redeem yourself.

  44. Daniel

    Can I tell my new insurance company I have my ncd if I am going to receive it in the next week. But I would like my new quote to start before then.

  45. Greg Lengyel

    Be very sure to check that you new insurer receives documentation of your previous no claims discount.

    I took out insurance with Tesco Bank in August 2013. Wrote to my previous insurers to pass on proof of my no claims.

    Didn’t hear anything from Tesco Bank so assumed all was fine.

    On New Years day, I got stopped by the Police as it came up on their system that I had no insurance. Turns out they were right.

    Tesco cancelled my insurance in October. Although they were quite helpful on the phone. They still claimed to have sent me several emails of warning, none of which to my knowledge I received.

    I now face a court summons, with points and a fine looming.

    So always call to check.

    1. Ian M

      Might be worth checking if contract law applies to insurance policies. I’m not an expert on such matters but here in Scotland if you enter into a written contract for any goods or service then delayed payment or a change in pricing does not in itself give the contractor the right to unilaterally cancel the contract.

  46. Matthew Bostridge

    My last claim was March 2011. My new policy will start on 1 April 2014. My maths says this should give me 3 years no claims, however in Mach 2013 i switched insurers mid policy and Admiral insurance would only give me the 1 years no claims. Hence my new current insurers will probably only give me 2 years at the end of this policy. Is there anything I can do?

  47. Les Roberts

    Hi Matthew,

    Unfortunately if you switch insurers mid-policy then you won’t be eligible for any no claims for that period as no-claims discount is calculated and awarded annually.

    The only exception I can think of is that some insurers will accelerate the discount so you gte your discount early, usually after 10 months.

    In your position, however, you’ll just have to take the two years’ and put it down to experience. I know this because I’ve done the same myself! Be aware though that you may be asked by your next insurer why you only have two years no claims, so make sure you explain the reason for changing policy mid-term.

    Sorry to be the bearer of bad news, but I hope that helps.


  48. ann newport

    hi, i have just been stopped by the police for not having insurance on my car, i was on the way to the hospital with my 4yr old grand daughter who was very ill.the police let me take her to hospital after taking my details. lucky they never took my car off of me.i phoned Lloyds car insurance the next morning to be told that they had cancelled my policy in november 2013, it’s now feb 2014.they said because the previous insurance company did not send my no claims bonus proof, and that they tried to get in touch with me by phone only, which was the wrong phone number, they had my email address but when i said why did’nt you contact me by email ,i was told that was’nt the way that they contacted policy holders. WTF, i now face a large fine and 6 points on my licence, what can i do ?

    1. Les Roberts

      Hi Ann,

      Really sorry to here about that, unfortunately, driving without insurance is an absolute offence as the onus is on you to make sure you’re insured – even though this is clearly something that seems to have been out of your hands.

      This means that as you were stopped for drivign without insurance, you’ll have no choice but to take the hit as far as a fine and penalty points are concerned. On the plus side, you’ll have save a couple of hundred quid by not having your car impounded – I realise this doesn’t seem like much consolation.

      Sorry I can’t be the bearer of any good news.


  49. Karen Walsh

    Yes, I was also a victim of Aviva theft. They stole a number of years NCD and I still haven’t yet worked back up to the 9 years I had, which most insurers recognise. Avoid Aviva or get ripped off for years!

  50. Ste

    Hi, I’m new to all this. I’m a recent first time car buyer, I was just wondering, My grandad has said I can name him as the policy holder and the owner of my car to bring down insurance, as I’m being quoted £400 a month on a 1.2 Fiat Punto 02 reg, I would be down as the listed driver, my grandad earned over 6 years of no claims bonus with Norwich Union but has not drove for a few years, so I don’t not know where to start with finding the proof of no claims bonus because without them. Do I have a chance to getting them or will I have to bite the bullet and fork out over 3 thousand pound a year on insurance?
    Thank you. All replies will be very much appreciated.

    1. Ste

      Sorry on the error, I meant to say without the proof of no claims bonus my insurance is sky high*

      Because Norwich Union now are a different company, will I be able to get the NCB or has my grandad left it too late to take up driving again after a couple of years.

      1. Les Roberts

        Hi Ste,

        Thanks for getting in touch – whether or not the proof of no claims is still valid after a couple of years off the road will vary between insurer, however, what you can’t do is list your grandad as the main driver and owner of the vehicle if this isn’t the case. This is a type of insurance fraud known as ‘fronting’ and not only will it invalidate your cover it’ll leave you wide open to prosecution.

        You can find out more about fronting here.

        Have you considered telematics insurance? It’s where your car is fitted with a device that monitors your driving style and, as long as you keep within the rules of the road, it can dramatically cut the cost of cover for young and new drivers. Even if the thought of having your driving monitored doesn’t appeal, it can get you significant savings – you can read more about telematics (including a case study on a young driver who cut his premium massively) here, and I also did a video explaining the pros and cons of it here.

        Hope that helps.


  51. susan

    Dont know if I can do this here but here is my question.
    I had 11 years no claims bonus back in September 2011 and to date of 24th February 2014 have not driven. Im now in the process at driving again and would ask how much if any no claims bonus should I say I have or had?

    1. Les Roberts

      Tough one to answer, this, as it will vary between providers.

      The best thing you can do is shop around for quotes putting in you’re full 11 years no claims discount, and when you find one you’re happy with, get in touch with the insurer and ask them whether tehy’ll accept your no claims discount even though you’ve been off the road for a few years.

      Hope that helps.

  52. Charlene Green


    I am insured with Churchill i have 8 years no claims. Unfortunately i had an accident and Churchill informed me i would lose 2 years no claims and added that because they only consider 5 years they will be leaving me with 3 years no claims bonus. Surely this is wrong because when my renewal is up and i search elsewhere there ARE other insurance companies who consider 9+ years. Does anybody have any advice regarding this.

    Kind Regards

    1. Les Roberts

      Hi Charlene,

      I recently got in touch with both Churchill and the Association of British Insurers to see what their respective positions were regarding your case, here’s what they had to say…

      Churchill: “Churchill offers an 80 per cent discount as an introductory offer for new customers who have eight years or more NCD, and continue to reward up to nine years’ NCD for existing customers who remain claim-free. However, if a customer makes a claim and they have over five years’ NCD this will be reduced to three years’ NCD after a first claim.”

      ABI: “The No Claim’s Bonus is a tool used differently by each insurer, there is no standard formula across the industry. That said, the UK motor insurance market is highly competitive and we would recommend shopping around to achieve the best quote possible.”

      Unfortunately, it looks like the insurer is well within its rights to reduce your NCD in this way – it does seem wholly unfair but it looks like consumers are at the mercy of each individual insurer’s rules.

      Sorry I couldn’t come back with any better news.

  53. Peter Walker

    Recently took out Insurance with Lancaster Insurance.
    Now I am out of the cooling off period they requesting proof of no claims for 9+ yrs.
    I have not made a claim for over 40yrs but how do I prove that, most companies only give 5-6yrs NCD proof?
    Contacted recent Ins companies who only keep records 5yrs.

    Suspect next move will be they will want to increase my premium as I cant produce 9+yrs NCD or hit me with cancellation costs.

    Could be a nice little scam for them.

  54. Drew

    I had 2 cars for a while, so 2 seperate insurance polices.
    I have now gone back to just one car.
    1 policy had accumilated around15 years No claims bonus where the other accumilated around 6.
    I am now using the 6 years no claims bonus but cant fing or remember the compny last using the 15 years no claims.
    Is there any way I can find this ?

  55. Don Hanney

    I’ve long been peeved by this insurance-company scam, having lost many years ncb through various companies recognising limited years of claim-free policies. Surely there should be an industry standard.
    I want to present this issue to a national petition via, but to which regulating body should the national petition be addressed?

      1. Les Roberts

        Hi Liz,

        Thanks for posting your thoughts, I agree entirely with you and this is something I am going to be looking into in more detail as it’s completely unfair that each insurer can just pluck an arbitrary figure from the air and take years’ worth of NCD away – and motorists have no recourse whatsoever.

        I’ll keep you posted.


  56. romilla gordon

    I signed up to the RAC for new insurance and two issues have arisen.

    1) I sent my current renewal as proof of NCD which recorded 3 years with them and five accrued from the previous insurer. RAC would only accept the 3 and said i need proof of the previous. I therefore found my last renewal from 2011 confirming 5 years NCD but RAC say its not valid as its more than 2 years old!.
    Are they saying for example that if you had a different insurer every year for 9 years you would have to approach each one for a recently dated proof of NCD and then have to keep doing it in theory. I cant believe that is possble
    2) Rather disturbingly the RAC person also said that i should go for 6 years NCD as if you go for 9 the premium goes up! Are they saying that the longer you havent had a claim the more chance there is you will have one in the future ! I Anyone else come across this.

    I think RAC should be avoided.

  57. Nicola Harland

    I phoned my new prospective insurers (Saga) to ask about their policy for obtaining proof of NCD. I was told they contact the previous insurers, but having signed up I received an email asking for to forward proof, which I already knew I didn’t have because my Zurich renewal quote failed to mention how many years I have (10 years by now).
    When I phoned Zurich they made me go through all their spiel and said they wanted to keep me as a customer but their improved quote was still much higher than Saga. They said they would send proof of NCD after my policy with them has expired, within 5 days. I will struggle to meet the Saga deadline. This policy encourages people to leave renewal until the last minute. I appreciate that I could potentially make a claim on the last day of my existing policy, but there ought to be a way that insurers can check with each other, or on a central data base, what a customer’s claims history is.

  58. TweetL

    Hi I am a qualified ADI and having taught my son to drive I wanted him to be able to drive the car. My insurers (there are few who do driving instructor insurance) were unable to offer me cover to include an 18+ NQD so I had to find a company that did. Because I changed policies within 6 weeks of the renewal date I have lost this whole years NCD but I was unable of this when I said I had 4 years NCD. The new insurers checked with the old insurers who will only validate the three so the new insurers called me to say I had to pay an additonal £300 + on what was already a hefty jump from my original insurance. The tone of the person that called me sounded like he really wanted to call me a liar but I think it’s unfair that almost a whole year’s NCD should be lost because the original insurers were unable to offer me the cover/extension to my cover that I required. Truly hacked off and extremely disappointed.

  59. Tim McLelland

    I have just bought insurance from Direct Line (yesterday). I haven’t had a car for four years but DL were my last insurer. They have just mailed me and said that if the last cover was over three years ago they would not provide proof of No Claims Bonus. I assume that the cover I have bought will not be valid so I will have to cancel it and look elsewhere? Surely they should have my last cover on their database – it’s only four years ago?

    1. Mark Hooson Post author

      Hi Tim,

      In researching this article we found that many insurers consider NCD to be expired if it isn’t used for two years, which seems to be the case here, unfortunately.

  60. Jeff

    Most Car Insurance firms try the same trick. What I now do is threaten them with complaining to the Information Commissioners Office (ICO).

    All Databases have to be registered, all data on a database should be correct, if its not you have the legal right to request the data a company hold about you. You also have the right to have wrong information corrected. A company can be fined up to £500,000 for serious breaches of the data protection act!

    My NCD says “Sixteen years” from my insurer I just left….I had to threaten them with the ICO before they corrected the “9 years” to “Sixteen”.


  61. Anuj

    I had 2 years car insurance with Clements Worldwide. First year i was driving on International driving license but i got my UK driving license subsequently before my first policy renewal. I gave the information to insurance agent but i was still given 0 NCD which i did not noticed as i was unaware of procedures and got my policy renewed with them though paid higher annual premium. They further did not updated their record to show that i am holding UK license. This year i am struggling to get my NCD from them and my policy is due for renewal next week. I had made no claims in last 2 years but dont know what i should do to get my NCD documents. I am calling them everyday but no results. What can i do to get my NCD from them.

  62. Claire

    I recently switched from Ford Insure to Lloyds and accrued 4years no claims. I requested my proof from Ford the day before my policy expired on June 4th. I never received this and when I called them to enquire last Friday 16th June, was told that it had “been returned to them by the PO as I was unknown at the address”. This is not the case. They advised me to call and inform Lloyds of the delay and that they would resend it. Lloyds told me that my renewal letter from Ford would be proof enough of NCB if it had my name and address on. I photocopied and sent them all 10 pages of this document. All good I thought.

    I then received an email from Lloyds yesterday 23rd June that told me the proof I had sent was not valid and I should resubmit it by 25th June or risk an additional fee. I called Lloyds again and they told me that they had only received “1 page” and it didn’t have my name and address “so it could’ve been anyone’s!” I them emailed them a photograph of the NCB document that had arrived that day from Ford.

    I received an instant automated response, thanking me for submitting the document and that they would be in touch in “the next few days”. I called Lloyds at lunchtime, only to be told that it would take 48 hours to be scanned into their system, so wasn’t showing up as received yet. The NCB department of Lloyds closes at 5pm. I sent the email at 6pm yesterday. By my reckoning, I won’t hear anything until Monday at the earliest!

    I then came home this evening to open a letter from Lloyds dated 22nd June saying “as we have not received evidence of your NCB we will therefore need to deduct an additional £422.25 on July 3rd” this is more than I paid in the first place and they are are saying I will loose my NCB and be returned to “starter”.

    Please advise me as to what to do next. This is really a problem of Ford Insures making and I regret switching now!

  63. Cezar

    I am about to renew my insurance. I am insured by RAC underwrited by AVIVA. one month ago i’ve found my wing mirror smashed next to town center. called the police and next day rac to ask them how much will cost me to change the mirror on the insurance. at the end of the day this is what fully comp mean. BIG MISTAKE!! they ask me to call aviva. done that and AVIVA quote me £370 plus 1year ncb (i have 4). Obviously i said no thanks and bought a mirror from ebay for £26. when i’ve login in rac self centre now it appears i have made 1 claim for an accident!!! i called them many time to remove that as i haven’t claim anything but they refused under the pretext it’s a non fault claim and is there for there own records!! i’ve made a written complain and if they will not remove it i will take the matter to ico and ombuondsman. there are strict rules to process the data, they cannot do whatever they want..

  64. mike barrow

    Hi my name mike barrow when I first started driving I insured my car with a company called ‘budget’ with ‘budget’ I have about 6 years worth of no claims bonus with this company but since then they have gone broke and I would like to no how could I possibly get this no claims bonus back

  65. Sheri

    My car insurance is due for renewal on the 24th, we had someone go into the side of us in July…their fault, they took the blame, we had the money come through as it was classed as a CAT D….now my renewal has come through, and where i should be getting my 8 year no claims bonus this year….they’ve reduced it to 3! I’ve rang n noted the mistake, and they’ve said that because the third party insurance are dragging their feet to pay them and all the costs haven’t been recovered yet then my no claims is reduced to 3 years?! If this doesn’t get fixed in time for my renewal but after…so i have to give 3 years, can i ring a new insurer that i’ll have to go with at a later date to change it from the 3 years to 8 years…or will it my 8yrs be lost forever if it doesn’t get fixed in time?!

  66. Matt

    Hi Guys and Girls,

    Not sure if anyone can help but I have a question.

    I have 2 insurance policies on my 2 motorbikes. Recently I have had to make a claim on one policy as a guy pulled out in front of me and left the scene of the accident. My question is, if I claim on one policy, do I lose my no claims discount on my other policy?

    Any help would be greatly appreciated.
    Thanks in advance.


  67. Ian M

    For the second time in my driving career I’m faced with a situation where a change of insurer was necessitated by a skyrocketing premium despite no claims, and now, the new insurer won’t accept the previous insurer’s paperwork as proof of NCB. In spite of that paperwork clearly stating 19 years with no claims.

    The worst thing is that there is nothing you can do to forestall this situation, because NCD proof is not asked for until AFTER you have bought and paid for the insurance. So, by the time you’re caught in this trap, it’s too late to avoid it by choosing a different insurer.

    In view of the amount of information held on computer about drivers and vehicles these days, this situation is completely and utterly unacceptable. I think we can assume they know perfectly well if any claims have been made against the customer since the year dot, and are simply ‘playing the paperwork’ to deliberately make things difficult for people.

    They will be aware that making a change of insurer a traumatic process works to their benefit, by creating a captive market in which they can steadily increase premiums year by year without losing the customer. Hence the motive.

    The insurance cartels claim that Continuous Enforcement is to stop uninsured driving, but I think we start to see the darker motives behind this, and frankly it stinks of corruption.

    It’s (way past) time there was a governmental inquiry into this malpractice. Just as there should also be an inquiry into the new malpractice of renewing policies automatically without customer agreement. For a start , there needs to be a compulsory standardisation of the means of proving NCD, so that no lame excuses can be made for rejecting it.

  68. Pete

    All now becomes clear. I’m in the process of being stung by Lloyds for having no NCD because my lack of claims for many years with Admiral was for another car. They’ve got free access to my bank account, and can do whatever they want: massive increase in premium; summary cancellation with large fee; premium phone access to dismissive ‘advisors’. Why do government and regulators allow such widespread thievery? Can we have a list of MPs who are paid by the insurance companies, please?

  69. James Greaves

    Trying to sort my sons insurance with Tesco, they asked for proof of no claims, we sent his proof that he had 55% NBC. They are now threatening to cancel his policy if we don’t send the Ncb in years not %.WHY

  70. Joanna Jackson

    Time and time again I get caught out by the NCD scam…I can never find it, send it and then its not received/lost, have to ring the old company etc
    The last few years have been hell.I was with Tesco they didn’t receive my Churchill policy , I resent it and then they accepted it and confirmed this. Then I changed to Lloyds. Same scenario. I couldn’t find the Tesco NCD evidence asked them for a copy and they sent a letter that said ‘9 years ncd not seen’! Even though they sent me a letter thanking me for receiving it!!! Lloyds then sent me a letter saying they hadn’t received it but I didn’t look at the back until this time when I changed and I discovered that they had decided my husband had no, no claims and whacked the premium up. When I tackled them they said it was because the policy was in the name of Mrs Vincent Vosper not Mr!!! This was clearly a typo on behalf of Tesco’s but they did not accept it. So now for my new insurer swift cover I only have a letter saying he has 0 no claims….what a monumental mess and we have both been driving for 20-35 years and never claimed a penny…something needs to change and an Ombudsman should take this up. Insurers have a MID why can’t the inforrmation required be on that?

  71. Mike Wallace

    I am with Saga – not bad, but give your NCD in % which is fairly useless. I have 9 years without a claim, but at best, if Saga does provide it, will only show the time I have been with them – 4 years.

    Direct line gave a good quote £37 cheaper – but needed proof of 9 years – I had to cancel the policy with them before it started and go back to Saga.

    Stupid people – yes they can get more money short term, but wont know who the safest drivers are costing them more in the long run.

    BTW if you have two cars and two seperate policies – a claim on one may well affect the other policy. Fair? only if they accept the same NCD on each policy.

  72. Phil Street

    I have just moved from Aviva to AXA. AXA required proof of my no claims discount. I contacted Aviva and they sent me a proof of discount document, but for just 8 years no claims discount. I sent this to AXA. AXA have now told me they will increase the premium they quoted as the proof of NCD does not match the period of time I said I had amassed. I have not made a claim since 1976, but as a result of Aviva’s proof of NCD It appears I have now lost 30 years of no claims.
    Is this legal? Do I have recourse to FCA?

  73. Phil Street

    My post of 10.22 p.m. on October 21st should have read 1976 not 1076, even I’m not that old!!
    Please delete original message please.

  74. jason

    Can anyone tell me if you have had no claims in the past but have not had an insurance policy for 5 or 6 years do you lose your no claims discount? Thank you in advance.

    1. Les Roberts

      You’ll have to check with whoever your next insurer is, but it seems NCD entitlement usually has a shelf-life of about two years – if you’ve been off the road or haven’t had a policy for five or six years it’s unlikely your NCD from the past will be taken into consideration.

  75. Aleks

    Dear Sirs,
    My policy with GoSkippy expired end of Aug14, I renewed with Tesco Bank after using a comparison website. Tesco Bank needed my NCD history (I have 1 year) which they gave me 2 weeks to send them. I’ve been in the UK since 2012 and purchased my own car and driving under insurance in 2013.
    After numerous telephone calls Go Skippy had not sent my NCD via email as requested. This took so long that the time given by Tesco Bank expired and they automatically cancelled my policy. Finally, it turned out GoSkippy took down my email details incorrectly and then I received the NCD but it was too late to reinstate my policy with Tesco Bank.

    Now, the number of insurers available to me are limited as I need to state that ‘I have had a policy cancelling in the past’. On top of this the premiums are 50% more expensive, which I cannot afford. Is there any way of reporting the above problem, It was not fully my fault and more importantly I have the NCD but was unable to provide it due to the incompetence of GoSkippy. All I’d like to achieve is somehow removing the ‘cancelled’ record from my name to enable more competitive premiums?

    I hope the above makes sense, looking forward to hearing from you soon.

    1. Les Roberts

      Hi Aleks,

      Really sorry to hear about the trouble you’re having with your insurance – following your query we updated the article with a ‘How to complain’ section.

      It looks like this could be one to take up with the ombudsman, but before you can do this you need to make a complaint to your insurer, in this case Go Skippy.

      Here’s what you need to do…

      If you have a grievance with an insurance company, you need to complain to them, so get in touch as ask for details of their official complaints procedure. Always keep a note of the time and date of your call, and ask for the name of the person to whom you speak. Store any emails you send and any replies you get.

      The rules give the insurance company eight weeks to look into your complaint and respond fully.

      If you wish, the Financial Ombudsman Service (FOS) – which is free to use – will contact the insurer and tell them about your complaint. Full details of this service here.

      If you’ve complained to an insurance company and don’t feel you’ve been treated fairly, give the FOS a call: 0300 123 9 123 or 0800 023 4567. They will review the case and, if appropriate, take up the matter on your behalf.

      Have you struggled to get proof of no claims from an old insurer? Or have you failed to get the proof to your new insurer on time and paid for it? We’d love to hear about it in the comments below…

      Hope that helps, do let us know how you get on and get in touch if you need any more help.


  76. sue

    Although Saga say they inform you of your no claims, they give it in a % not a year, when you try to get a quote from other companies they all want years, Saga make it very difficult until your policy has not been renewed, they then send it in writing! apply for it in writing in good time to get alternative -accurate- quotes.

  77. Madli


    I’ve just switched from InsureTheBox to Bell and have discovered that InsureTheBox haven’t provided me with protected NCB which I had asked for in the beginning of my cover with them and I’m sure I’ve been paying for it. And I had an accident earlier in the summer, so now of course Bell is asking for the proof of my 2 years worth of NCB but InsureTheBox is going to say I have ZERO NCB (due to their mistake which they’re probably not going to admit) and I’m in the risk of having my policy cancelled. I would appreciate any reply, thanks!

    1. Les Roberts

      Hi there,

      You need to check your old policy documents as soon as possible to see whether it says you had your NCB protected and whether you were making the payments for protected NCB – if your policy documents say you did have protected NCB and/or you were paying the extra premium to have your NCB protected, get in touch with Insure The Box and make it clear you need your proof of NCB right away. Make sure you take the name of the person you speak to and ask them what the complaints procedure is should they not carry out your request.

      You then need to make a call to Bell and explain the situation to them, hopefully they can take steps to ensure your policy isn’t cancelled.

      IF you’re not satisfied with the response from Insure the Box, complain via their standard complaints procedure, if this doesn’t work you should go to the ombudsman.

      However, if your policy documents don’t indicate you had your NCB protected, and/or you weren’t paying the extra premium to have it protected, you’ll just have to take it on the chin and start again from zero years’ no claims.

  78. jedi


    I had built up 16 years no claims bonus via various insurance companies and have made NO claims in that time, My present Insurer will only give me proof of no claims for “10 years or more”?

    what does that actually mean? have I lost those 6 years through no fault of my own?

    My to be new Insurance company wants proof in years totalling 16 years, my present Insurer stands by the “10 years or more” quote. My new Insurer will only discount me 10 years as opposed to 16 years……I loose out!!!!

    Is this right?

    1. Les Roberts

      Hi there,

      Unfortunately, the area of no claims discount (NCD) is a very murky one and differs from insurer to insurer – if you go with the insurer offering a discount of ’10 years or more’ the chances are that not only will the remaining six years you’ve amassed be disregarded, you may also find when it comes to renewal and you ask for your proof of NCD, you may found that has dropped to just 10 years too.

      It’s best you speak to the insurance company in question about this matter, and find out if adding NCD protection will mean the 16 years’ you’ve built up stays intact.

      You can read more on how it works in this article – – it is worth a read as it goes into more detail than I can here.

      Hope that helps, and sorry I couldn’t come back with any better news.

  79. Angharad

    It is renewal time again and we got quoted for 14 years no claims. Despite my husband having not claimed for 14 years, our documents from the old insurer only say 7 years. We have been with them for 2 years. So the new company now say that they will charge us an additional £63 premium plus £30 admin fee as we cannot provide proof of 14 years, only 7. We are loosing what we saved by switching. Its just another way for insurers to trap you. Has anyone come across a solution to this?

  80. LizD

    Maybe an HM Government e-petitions should be used to force this NCD issue, I say this as this issue will/should effect the suits in parliament also.


    I insured my car with Go Skippy for a year and when the renewal figure came it was £200 higher, so I went elsewhere.

    When I asked for proof of my no claims Go SKippy demanded £158 in “cancellation fees” before they’d send it, even though this was at the renewal stage!!!!


  82. Ola

    I am a new driver in 2013 .I was insured with Tesco btw 2013April-2014 april and departed to Admiral between april 2014-2015april and returned back to Tesco. unfortunately admiral proof of no claim stated 1 year instead of 2 years either as a result of my ignorance or their error. Now i have gonee back and forth to admiral and tesco with none of them helping me , even though i have my documents from tesco in 2013 that say 1 year and admiral that says 1 year.can anyone advice me what to do as Tesco is threathning to calcel or inflate my price??????????

    1. Les Roberts

      Hi Ola,

      Sorry to hear about the trouble you’re having – possibly the best thing to do here is to take the amended price from Tesco so your cover isn’t cancelled and then complain to Admiral as it clearly looks to be their mistake. You’ll have to go through their official complaints procedure (you can find that here) and provide copies of all the evidence you have and they will have 8 weeks to respond.

      If there is no response in this time, or you’re not happy with the response, you can then escalate the claim to the Financial Ombudsman Service.

      Hopefully it won’t come to that, but as and when your correct proof of NCD, you can then go back to Tesco insurance to get your policy amended again. It’s a bit of a pain, granted, but you don’t want to have your cover cancelled.

      Hope that helps, give me a shout if you have any other problems.

  83. Al Stevens

    I have never made a claim and probably should have 15 years plus no claims bonus. I would like to get quotes and looking at no claims evidence churchill record my NCB as ‘Nine or more years’. Does this act as proof of 15 years no claims?

    1. Les Roberts

      Hi Al,

      It’s a contentious subject this as the amount of NCD entitlement you get is pretty much down to your insurer – so, as you say, Churchill is recording your NCD entitlement as ‘nine or more years’, but if you were to go with, say, Admiral, whose policy it is to recognise a maximum of six years, you’d find your entitlement would be knocked down to just six at renewal.

      This system really doesn’t put the customer first and it’s something I want to look into in more detail later this year – in the meantime, make sure you check with your insurer how many years’ NCD they offer as you could see your entitlement cut dramatically.

      Given you have accrued so many years’ NCD, it might be worth protecting it too.

      Hope that all makes sense, just let me know if you have any more questions.

  84. Anon

    Why do we need no claims proof? We are constantly told that insurance companies share information to expose fraud; they clearly have a database of claims so they can easily check if a claim has been made

    I lost my no claims bonus when I became driver for my husband’s motability car (automatically in his name even though he didn’t drive it). Since his death four years ago I car share with a neighbour. The policy is in her name due to the fact that you can’t insure jointly and the high cost of putting it in mine. I am told there are some companies which allow named drivers to build up their own no claims bonus but I cannot find out who. I have never had an accident and my only claim was about thirty years ago for damage caused by bad weather. Any help appreciated. Thanks

    1. Les Roberts

      Hi there,

      Thanks for getting in touch – the trouble with no claims discounts (NCD) is it’s directly linked to your insurance policy – so, as far as insurers are concerned without an insurance policy to prove otherwise, you’ve effectively had no years’ of claim free driving.

      Another problem is that even if you had proof of the 30 years’ (NCD), many insurers only acknowledge ‘more than five years’ or ‘more than 12 years’ of NCD and so you’d get no further discount for any number of years’ NCD above that.

      And one other problem, last one, is that insurers don’t accept proof of NCD that is more than two years old – meaning that if you did have proof of 30 years’ NCD but you’d been off the road, or named on another policy, for three years, your proof of NCD would no longer be valid and you’d have to start again from scratch.

      It’s a pretty unfair system, and not in the best interests of the motorist at all, but that it how it all works I’m afraid. There is a new system coming in soon called MyLicence (you can read more about that, here) but it’s unclear how this will affect things.

      As far as I’m aware, insurers who offer NCD for named drivers include AA, Co-operative and Direct Line – so it could be worth checking them out.

      Hope that clears things up – sorry I couldn’t give you any better news – if you’ve any other questions just let me know.


  85. aaron

    My insurance company has renewed my policy even though they where contacted to say I didn’t want to stay with them they are ow refusing to give me my no claims bonus as a result I’m now going to lose my current insurance with a different company and the money I’ve paid to them this is a joke

    1. Les Roberts

      Hi Aaron,

      That doesn’t sound right at all – an insurance company can’t not send you proof of no claims discount (NCD) just because you’ve not renewed with them.

      The first thing to do is give your current insurer a call and explain the situation and see if there is anything they can recommend you do.

      Then give your previous insurer a call and ask them why they won’t provide you with proof of NCD and if they don’t give you a satisfactory answer, tell them you want to make a formal complaint and ask for details of their standard complaints procedure. Hopefully, this will be enough to convince them to give you your proof of NCD, if not, you’ll have to make a complaint.

      You’ll then have to complain via their standard complaints procedure (keep a record of any letters or emails sent, and any phone calls made including times and names of people you’ve spoken to) and give them eight weeks to reply. If they don’t reply or you’re not happy with the repsonse you then need to take the matter to the Financial Ombudsman Service who will look into your case.

      Hope you manage to get it sorted.

    2. Les Roberts

      Hi Aaron,

      That doesn’t sound right at all – an insurance company can’t refuse to send you proof of no claims discount (NCD) just because you’ve not renewed with them.

      The first thing to do is give your current insurer a call and explain the situation and see if there is anything they can recommend you do.

      Then give your previous insurer a call and ask them why they won’t provide you with proof of NCD and if they don’t give you a satisfactory answer, tell them you want to make a formal complaint and ask for details of their standard complaints procedure. Hopefully, this will be enough to convince them to give you your proof of NCD, if not, you’ll have to make a complaint.

      You’ll then have to complain via their standard complaints procedure (keep a record of any letters or emails sent, and any phone calls made including times and names of people you’ve spoken to) and give them eight weeks to reply. If they don’t reply or you’re not happy with the repsonse you then need to take the matter to the Financial Ombudsman Service who will look into your case.

      Hope you manage to get it sorted.

  86. Mike Harle

    On renewal switched from LV to Direct Line, using 9yrs ncb. Then got written ncb from LV of 8 years!. Phoned Direct Line and found that 9 years had already been confirmed from a listing privy to insurers. In fact I have not claimed since 1991: hard to prove though. How to access listing?

  87. LuLu

    Mylicence is now up and running but doesn’t really provide any help at all with regards to NCB validation/recognition. So, I had a go at putting the following into the comments box for Mylicence. Don’t imagine for one minute they’ll take any notice, but fed up of my 20 years of never claiming on my car insurance being constantly reduced depending on who I take out my insurance with. This is what I wrote:
    “To force insurance companies to provide annual data regarding a drivers ‘no claims bonus’ to enable Mylicence to maintain an online log clearly detailing a drivers genuine years of no claims on their car insurance. This would prevent the insurance industry from FREQUENTLY not recognising genuine years of NCB, preventing us all from accessing cheaper car insurance as a result – in my case – 20 years of no claims has been reduced to 9 years! I have heard of people with over 40 years of no claims on their insurance simply unable to claim more than 5 years!! The current situation is RIDICULOUS with regard to the way insurance companies ignore genuine no claims bonuses, usually simply because you wish to change insurers for a better deal. See here for further details: . Insurers could easily be forced to provide data with regards to this from their own databases, which they could then be legally obliged to pass onto yourselves to be updated onto the Mylicence database. I am CONFIDENT all drivers would be happy to agree to this type of data sharing. I would like to know what you think?”
    Does anyone else want to have a go at doing the same? Or, can you think of how we could petition these insurance companies more effectively??

    1. Les Roberts

      Hi LuLu,

      I couldn’t agree more and I would love to get more people involved to build up some momentum – the MyLicence scheme is a step in the right direction, but it just doesn’t quite go far enough. There is no reason people’s NCD can’t be held in a central database, the trouble is there is no industry standard for the provision of NCD – the ABI’s stance is that NCD is an incentive that insurers can use however they see fit – but if there was that would make the system fairer for all.

  88. Ravi Ruberu

    I got my full UK driving license in 2002 nearly 13 years ago. When I applied for insurance this year, after 3 months since I got the cover the insurance company says that they could not get my previous company to prove that I had 9 years or more NCB thus asking me pay £400 extra. I have always been insurered and have been driving since and have no accidents or anything. I have never claimed or paid for any accidents. Is there anyone who could help me please. Previous company had said to the current one that they only can provide 5 years NCB. I dont know how to go about with this.

    1. Mark Post author

      Hi Ravi,

      Unfortunately, many insurers only recognise up to 5 years’ no claims discount. You could have 30 years of no-claims driving and still only get a discount equivalent to five years.

      Have you asked your old insurer for proof of your no claims? It often states your NCD entitlement on your renewal letter, if you kept that?

  89. Robyn

    I hope someone can help me with this one. I have been insured with Esure on a multicar policy which matched my partners no claims. He had now moved to another insurer and I wish to do the same. Esure have sent my renewal letter though which shows 10 years NCD, however this is my partners NCs and I actually have 2 yrs. I spoke to them as I have found a cheaper price with Direct Line (which I have taken out on the basis of 2 yrs no claims) and esure confirmed that they matched the no claims and that is the only proof I need. I sent Direct Line the letter from esure and they have now refunded me as they say I have 10 yrs and not 2 yrs. I have just called Direct Line to explain this to them and they say it is fine as the evidence they have is all they need. Is this right that insurers will accept this? It just doesn’t seem right to me!
    Thanks for any help

    1. Les Roberts

      Hi Robyn,

      This is an odd one – we’re used to insurers erroneously taking away people’s NCD entitlement, but I’ve never come across a case whereby they give you more than you think you’re entitled to. This may sound like an odd question, but have you been driving for 10 years or more? If not, this will obviously raise alarm bells with insurers when your cover is up for renewal.

      As far as I can see, there’s not much else you can do other than give both Direct Line and Esure another call, explain the situation again and insist they give you cover on the basis of you having two years NCD, bearing in mind you’ll most likely be charged an admin fee for altering your details.

  90. judy

    Hi my car was parked outside my house when a car being chased by the police crashed, writing off two cars,mine being one, and damaging another my question is this although I was happy with my insurance company Hasting essential they paid out promptly and fairly,even though the driver was uninsured will I lose my 9 years ncb even though I wasn’t even involved. Thanks.

    1. Les Roberts

      Hi Judy,

      As a claim was made on your insurance, the bad news is you will lose some of your ncb. The good news is you shouldn’t all of it as insurers usually only deduct two years’ worth of ncb in the event of a claim, so you should still be left with 7 years’. It may also be worth looking at protecting your ncb when it comes up for renewal.

  91. Peter McDermott

    What is the situation if I as a youth joined the forces, left, then went onto drive buses,left, then went onto driving coaches until retirement. nobody ever provided me with a proof of ncd, although I went all those years driving. A company is now asking me to prove my ncd. How do I do that. I can feel a price increase coming on /

    1. Les Roberts

      Hi Peter,

      Have you ever had your own policy on your own private vehicle? If so, you’ll need to get proof from your last insurer and provided it wasn’t gained more than two years ago, it should still be valid. Unfortunately, NCD has to be provided by an insurer, and so even if you have years of claim-free driving under your belt, if you never had your own insurance policy you’ll most likely have to start from zero.

      It’s still worth explaining the situation to your insurer, and if your insurance is up for renewal it’s worth running some quotes here to see if you can get it cheaper elsewhere.

  92. Richard Bailey

    I have just received a letter from my currant insurers AVIVA asking for proof of NCD for my multicar insurance. One of my previous insurers gave 9 yrs as that is the total they provide,even though they hold evidence of 14 yrs.
    My other previous insurer can only provide me with 2yrs. This was down to my fault apparently as i had not provided any written evidence of the 9yrs discount that they were happy to accept i had without question when i took out that policy.

    I am unable to chase this as I have no records other than photos of my vehicle registration numbers to go by..

    So now after 37yrs of never claiming on any form of insurance I find myself with only 2yrs NCD on 1 of my policies next time I singularly insure a vehicle.

    I have tried to find out what happened to my old broker but can find no evidence as to who they were.

    I know this is a little off piste but keep records of all your insurances personally and don’t rely on any insurers to be helpful.

  93. Rama

    Hi Richard,
    I left the UK in December 2012 to work abroad and my last car insurance was with Tesco. I had 3 years NCB with them and I have now returned to the UK and contacted them to see if I could get my NCB to insure my car. I have been informed by them that I cannot transfer the NCB as it is over 2 years and that they were the only insurer who can honour my NCB . However, their insurance in coming up as nearly £4000 when others in comparing Websites are under £1000. How can I get my NCB so that I can get a reasonable insurance to drive my car. it seems that Tesco are aware that I can only use my NCB with them. What can I do, as I think this is s ripoff , as if i want to use my NCB and accumulate them for future discounts on my car insurance, it seem I have no choice but to insure with them? I am very annoyed at this, and want to know if there is a way around this situation to get my NCB?

  94. HB

    Interested in view here. New 10 days old LV policy – email asking for Vehicle Reg doc, Driver licence copies, No claims confirmation.

    Can’t understand why all this information but also concern about personal data being held knowing how easily data hacked.

    Has anyone experienced similar or have any comment pleaser

    1. Les Roberts

      Hi there,

      This is all pretty standard stuff as the insurer needs proof that all your declarations are true – though there should no longer be any need to send driver licence copies as this should now all be done online since the counterpart licence was done away with.

      So it should be nothing to worry about, but it’s always worth checking the sender’s address to make sure the email is from a genuine source and even perhaps contacting the insurer to double-check.

  95. Rizwan Yousaf

    I ve trying to.get a proper NCD certificate from Esure. They sent me a one line in my email _ Mr ——– policy was cancelled on date —-. At the time of cancellation he has a no claim discount of 11 years. I’m trying to get insured abroad at the moment and all insurers won’t accept this email as a NCD proof. Spoke to Esure many times on the phone costing me alot of money from abroad, although customer service representatives sound nice on the phone they have failed to provide me with an acceptable NCD letter/email for last 2 months. All I want is my document professionally written just like the one I provided them when I started my cover with them. Looks like its gonna cost me Thousands more on new insurance

    1. Les Roberts

      Hi there,

      That sounds a real nightmare, and it’ll be worth making a complaint to Esure about their handling of this situation, their complaints page ( has a really good step-by-step guide to making a complaint and the process involved.

      In the meantime, you’ll need to get proof of your NCD – one option could be to use the proof of NCD from your previous policy, it’s not ideal as it’ll do you out of a year’s entitlement but proof of NCD is valid for two years so you could use your previous year’s document.

      Another option is to see if the insurer in the country you are in can access the MyLicence database using your driver number, which can be found on your licence – if so, this should hold the proof of how many years’ NCD entitlement you have.

      Hope that helps, let me know if there is anything else.

    2. heather

      Hi there, I was with Sheila’s Wheels also ran by Esure but I am also having the exact same problem. They keep sending a Car Insurance Schedules which does hold all the details but my new insurer (in Ireland) will not except this as they require the NCB certificate. They are going to cancel my insurance in 3 days if I don’t send the required documents and I have been on the phone constantly for two weeks now trying to resolve this issue. I have had to pay over €300 upfront which I am going to lose. the only option I feel I have is to start my no claims from 0 which will cost me more than €250 a month plus an even larger deposit

      1. Frankie Summut

        Hi Heather – sorry to hear you’ve had those difficulties with your car insurance. I’m passing this on to our in-house guru who will hopefully be able to shed some light on the dilemma.

  96. W. Thomas

    I recently received a letter of renewal from my insurer Liverpool & Victoria. I noted that under the section of Policy Holder: “Claims or accidents in the last 5 years (including any information only accidents)” There is a statement “July 2015”. I phoned and queried this since on that date I merely phoned to ask what was the value of my excess for making a claim. The named driver on my policy had parked the car and it was hit by a council bin truck who then drove off and there was only one witness. The advisor on the phone reminded me that my excess was £500, and since the damage would have cost less to repair I made no claim. However a notation had now been made on my Policy. I spoke to an advisor who told me that this notation would not have any negative affect on my premium.

    However, since this has now been noted as an “incident” on my insurance which is shared with all other insurers, I am now faced with an average increase of £200 to my premium. I phoned again and spoke with an advisor who told me that any such incidents are recorded and it would not affect the premium offered by L&V but would affect the premium of other insurers. I find it extremely frustrating and unfair that by simply making a phone call and as a direct result of honestly answering the questions of an advisor on that day, I now face the prospect of not being able to change to a cheaper insurer since they will hike their premium up to reflect this “incident” recorded on my policy. This is in affect trapping me into staying with L&V and I think this is unfair practice.

    When I complained L&V tried to explain to me that the policy is to prevent people from not reporting incidents to their insurers. However this would surely have the exact opposite affect. In being honest I have unwittingly cost myself the £200 in increased insurance premiums plus the money I have paid in cash to repair damage caused to my vehicle by a third party – without making a claim. It would have been better for me not to inform my insurer of any such “incident” in the first place. Has anyone else had experience with this?

  97. Carlos

    Hi there.
    I am from Spain and I am having serious problems with the NCD document because every document I have sent to the company have been rejected.

    Any of you would know the correct name of this document in Spain?

    I have more than 15 year with no claims and it is not valid here…

    Thank for your help.

    1. Les Roberts

      Hi Carlos,

      It may just be that your insurer in the UK won’t accept NCD gained in any country outside of the UK.

      As far as I know, in Spain proof of NCD is known as ‘prima de no reclamacion’.

      Hope that helps.


  98. Gabriela Briazu

    Hi there,
    I had a car insurance with Ageas in 2012. Same year, just few months into it ,my partner had an accident (not his fault) driving my car (he was part of the insurance) and for car to be repaired we made a claim (as instructed…) and we were told that the excess will be refunded when the things will be sorted out. For more than a year I kept enquiring about this excess , not necessarily for the amount of money but for the no claim bonus with future insurances. I never had a straight answer. I was forced to understand that the person who was responsible of the accident didn’t come forward and so I had to get the claim on my insurance. Wasn’t very nice , but was nothing I could do as AGEAS never said anything different/ Down the line and 3 years and 6 months later (22.04.2016!), few days ago I received a check from AGEAS for £100 the excess and so, it is because the claim was actually repaid and done into the drivers who committed the accident ‘s insurance.
    I wonder who would pay for the no claim bonus I lost during those years as my car insurance plummeted because of that” so called claim” that in fact wasn’t my fault. I am not very happy with the resolution after 3 years as I was left frustrated and lost lots of money because this hasn’t been sorted earlier.
    I would be grateful if you could advice me what to do.
    Many thanks, Gabriela

  99. Nerijus

    Yesterday i got my new renewal letter from Lancaster insurance and all my 9 years of driving without a claim got to zero…
    Called them and they informed me that there insurance not adding NCB if you take your policy online. Although last year they approved my 9 years NCD what i had with them, but not received any confirmation. Is it legal not to get NCB for every year you drive without a claim? How to get this forward to get my NCB when they refuse to issue?

    1. Trevor

      They are doing just as they want mate, and no one is doing anything to stop them, they are printing their own money and the FOS ARE DOING NOTHING TO STOP THEM!!

  100. stace

    Hi my partner is filling out a form for no claims discount proof but the only question we are unsure about is when it ask for the policy number there is a drop down with two options one of them being the letter p on its own and the other being el int any idea what they mean or what it is asking for

  101. Umar

    Worst country for insurance UK Total rip off all companies

    And people not speaking loud to stop them ripping off

    Why cant we speak before puting vote for useless politicians

    Insurance must be fixed or affordable like other countries

  102. bradley marshall

    if I have been driving a year and a half but I have changed my insurance company 3 times as I have had 3 cars as my cars have not been very reliable will I still have 1 year NCB or not?

  103. Stuart McDonald

    I have over 25 years of claim free motoring and have regularly changed insurers during this time, surely there is a central database where your insurance details are logged that can prove how long I have been claim free? my most recent insurers has only credited me with 15 years so where has the missing 10 years gone?

  104. Ahmed

    I am an international student in the UK and I got my full UK driving licence recently. Also, I’ve 7 years overseas NCB. I would like to know which companies accept that for no claim discount??

  105. Trevor

    I’ve read most of the posts on here, and I myself have had great difficulty in getting insurance companies to confirm my NCD.
    I’ve been driving 50years, never had to make a claim, had no accidents or road offenses.

    Its pretty obvious to me why they make it difficult. You take out cover with a new insurance company because their rate is lower than the present one your with, after the first year they then inflate it to my be twice as much, you then refuse to renew with them ( they don’t like that) so because they know you will need proof of your NCB, and provide it to your new insurer within 7/14 days, they ignore your request for proof, or with hold it, knowing full well that your new insurer will cancel, or inflate your new quote.

    They are all in it together, knowing full well what they are doing, the whole market is a scam, and the FO ARE SITTING ON THEIR BACK SIDES AND ALLOWING HONEST PEOPLE WHO WANT TO INSURE THEIR CARS TO BE RIPPED OFF!!

    QUESTION. Can an insurance company decide that after joining them with 9 years NCD, THEN ONLY GIVE YOU BACK 3/5 YEARS. WHEN YOU LEAVE THEM, (LEGALLY) ?

    QUESTION. Can an insurance company withhold, or delay sending you proof of your NCD?

    Its about time these cowboys/ crooks were put down, they bang on about Joe public trying to rip them off, I think they started it.

    I’m again waiting for proof as I write this, it makes my blood boil

  106. Trevor

    It seems money supermarket don’t like the truth. they deleted my thread about car insurance. Don’t waste your time writing a post!! for these cowboys either.

  107. William Roffey

    After 3 years I decided to change insurance company as I wasn’t happy with the premium. My new chosen insurer gave a good quote and I emailed my initial policy and susequent renewal documentation. They contacted me to say that there was no mention of No Claims Discount or Bonus. The previous insurer had emailed renewal notices, but I was on automatic renewal so just left it as nothing had changed.

    On closer reading of renewal documents, it states “no no claims bonus accrues on this policy”! I can’t find any reference to this on orginal cover! I have never heard of this before and neither had my new insurer, but it looks like my three years of claim-free driving does not count! Astounded and disgusted. This is truly becoming (has become) Rip-Off Britain.


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