How can I trace my no claims bonus?

There are three main ways to get proof of your no claims bonus and claim a discount on your car insurance:

From the letter you receive when your policy is due for renewal.
From the cancellation letter you receive when you switch to a new provider.
By contacting your existing insurer by phone, by post or online.

Is there a database for no claims discount?

When you renew your insurance and you want to move to a new motor insurance provider, the NCD database enables the new insurer to verify your no claims discount directly from the database. Details provided by the database include the number of discount years and whether these are protected, guaranteed or standard.

Do car insurance companies check no claims bonus?

Some insurance companies will contact your old insurer directly to ask for your no claims bonus proof, or they might check an insurance database to get it. If they do this, they’ll tell you first.

How many years no claims bonus NCB do you have?

This is often set at five years, but can be as much as nine years or more. NCB can be built up on most types of car insurance; this includes third party, third party fire and theft, and comprehensive policies.

What does proof of no claims bonus look like?

There are three main forms of proof: The renewal invite from your current or previous insurer will state the number of years you’ve enjoyed a no claims bonus. A cancellation letter from your previous insurer, as long as it states your no claim bonus. A letter from your previous insurer confirming your no claims bonus.

How do I check my claim history?

Simply visit the Motor Insurers Bureau website and complete a Subject Access Request form. Finally, if you think that any information that’s being held about you is wrong, you should contact the insurance provider who you think sent the incorrect data, or the MIB.

What is the maximum no claims bonus?

How long does a no claims bonus last? While some car insurance providers offer no claims discounts for up to eight years of claims-free driving, the maximum figure is generally five years. If you do claim, you risk losing some, or all, of your no claims discount.

Do I lose all my no claims discount if I have an accident?

Will each claim affect my no claims discount? If you make a claim on your car insurance and your insurer pays out, you’ll lose some or all of your no claims bonus. However, if you claim following an incident that wasn’t your fault, your no claims discount should remain intact.

How do I get my no claims bonus without a car?

How do I keep my no claims bonus without a car? If you currently don’t have a car, you should still be able to keep your existing no clams discount providing you buy another car and take out an insurance policy within two years – after that, your NCD will be invalid.

Can I check my car insurance history?

There are a few ways you can check your claim history. The easiest way may be to ask your existing car insurance provider for details of any claims you’ve made in the past. Most car, home and travel insurance providers submit information to Cue, which typically stores any insurance claims made over the past six years.

How long do auto insurance claims stay on record?

three to five years
A car accident usually stays on your insurance record for three to five years. Because of this, an accident may impact your car insurance premium for three to five years as well. Also, if you’re involved in an accident, you’ll want to avoid getting into another one for six years.

What happens to my no claims bonus if I’m not driving?

If you haven’t claimed on your car insurance for a number of years but you’re not driving at the moment, what happens to your no claims bonus? Drivers build up a no claims bonus (NCB) each year they’re insured and don’t make a claim.

Do you need proof of no claims on car insurance?

If you’ve built up a no claims bonus (NCB), you’ll want to take advantage of the discount it gives you when you switch insurance providers. To do this, you’ll need to get proof of no claims. Here’s how. Your no claims discount (NCD) accrues for each year you’re on the road without making a claim on your car insurance.

Are there no claims on a company car?

The reason I ask is I have 5 years no claims from a company car, and having recently left the company (under a bit of a cloud) they are now dragging their feet about providing the proof. I don’t know who they used for car insurance and obviously no policy details. I wondered if there’s anything I can do to make sure I get this proof from them?

Where do I Find my no claims discount?

Your no-claims discount may be on your renewal letter. If it’s not on there, it might be on the cancellation notice you’ll receive if you’re switching. If you can’t find it yourself, contact your provider and ask them to send you the required proof.

Do you have to have a car to get no claims discount?

Therefore, after the two years is up, you will have to start from the beginning when you decide to take up driving again. However, if you are wondering how to keep your no claims bonus without a car, you can protect your discount by paying for ncb protection.