As long as you don’t make any claims on your car insurance, you’ll earn a no claims discount. In the eyes of an insurer, this shows you’re a careful and safe driver, and you’ll be rewarded with cheaper car insurance.
If your new car insurance provider has given you a great deal on the understanding that you’ve kept a ‘clean sheet’ over the past few years, it’ll probably want to see some proof that you’ve not made any claims.
How you get this proof will depend on who your last car insurance provider was, because each insurer has a different system for providing proof of no claims discount certificates.
To save you some time, here's a table showing how to get your proof of no claims discount from some of the most popular car insurance providers.
|Insurer name||How do former customers get proof of no claims discount from you?||Do you automatically send proof of NCD to existing customers at renewal?|
|1st Central ||Annual renewal letter serves as proof of no claims discount. Alternatively, call 0843 208 4000.||Yes |
|Saga ||Call 0845 900 8009 for standard proof of no claims discount letter. ||Yes|
|Quote me Happy ||Annual renewal letter serves as proof of no claims discount. If you don’t have one, log on to your account here. ||Yes |
|HSBC ||Call 0800 072 0581or visit the Self Service Centre online. ||Yes |
|M&S Standard ||Call 0844 871 2349 for NCD entitlement or visit the Self-Service Centre online. ||Yes |
|M&S Premier ||Call 0844 871 2349 for NCD entitlement or visit the Self-Service Centre online. ||Yes|
|INSURE THE BOX ||Renewal invitation pack includes specific proof of NCD.||Yes|
|Drive like A Girl ||Renewal invitation pack includes specific proof of NCD.||Yes |
|Santander ||Renewal notice confirms NCD entitlement. Can also be sent by post or email.||Yes |
|Direct Choice||Call 0844 836 0001 or firstname.lastname@example.org. ||Yes, when a customer cancels their policy.|
|Swiftcover||Print off renewal or request 'Proof of Bonus' from your 'Swift Space' - or fill in this form.||Yes|
|Churchill||Renewal notice or cancellation schedule serves as proof of no claims discount.||Yes|
|Direct Line||Renewal notice or cancellation schedule serves as proof of no claims discount.||Yes|
|Sheila's Wheels||Sent if requested by the customer once policy is cancelled.||Yes|
|Hastings Direct||Most recent renewal invite is proof of no claims. If you do not have this, contact 0844 800 3844 or request proof of no claims discount here.||Yes|
|esure||Sent if requested by the customer once policy is cancelled.||Yes|
|Privilege||Renewal invite serves as proof of no claims discount. If you don't have one, call 0800 051 6990||Yes|
|Endsleigh||Request it by emailing:Customer.email@example.com||Yes|
|Swinton||Proof of no claims discount is included in a renewal invite pack sent out to existing customers 17 days before renewal date||Yes|
|More Th>n||All customers receive details of their NCD in their renewal schedule||Yes|
|Tesco Bank||Renewal notice serves as proof of no claims discount.||Yes|
|Pink||Proof of NCD is sent automatically.||Yes|