Your no claims bonus (NCB) is a discount on your car insurance premium, earned for each year you don't make a claim. It can significantly lower your insurance costs, so it's important to understand how it works and how to prove it.
Where to find proof of your NCB
Renewal letter or cancellation notice: Your previous insurer usually provides your NCB details in these documents.
Contact your old insurer: If you can't find the documents, contact your previous insurer. They can provide the necessary information.
How long do I have to provide proof of my NCB?
Most insurers give you 7-28 days from the start of your new policy to provide proof. Having this ready when you search for car insurance can help you meet any deadlines.
What happens when I provide proof?
When you get a quote, insurers will estimate your discount based on the NCB you declare. Once you provide proof, the discount is confirmed, and your final price is adjusted accordingly.
Important
Make sure the NCB proof you submit is up-to-date and accurate.
The proof should be on official letterhead from your previous insurer or in an email with their confirmation.
If you don't provide proof within the deadline, your insurer could withdraw the discount or even cancel your policy.
Tip:
If you're unsure about any aspect of your NCB, contact your insurer or broker for clarification. They can help you understand the process and ensure you get the discount you're entitled to.