How to get proof of no claims discount

You’ve just landed yourself an epic deal on your car insurance by switching to a new insurer, and now it’s asking for proof of your no claims discount. So how do you prove it?

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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 e-mailadmin@directchoice.co.uk.
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.service@endsleigh.co.uk 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

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