How do I get proof of 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.
Does no claims bonus expire UK?
Your no-claims bonus (usually) lasts for 2 years Unfortunately, this grace period only tends to last for two years. If you go longer than that without having insurance, you won’t get any discount on your new policy. And that (usually) means you’ll have to build up your no-claims bonus from scratch.
How long do I have to prove my no claims bonus?
seven to 21 days
If you’ve switched to a new provider and stated your no-claims bonus (NCB) when you were quoted, you’ll need to give proof of the NCB – typically within seven to 21 days. If you can’t provide it by then, your insurance may be cancelled or your premium could go up.
Is 9 years the maximum no claims bonus?
Our maximum No Claims Bonus (also known as No Claims Discount) level is 9 years, so it will automatically be displayed as such on your renewal notice.
Can you lie about no claims bonus?
Not only could your insurer turn down your own claim, they may also decide not to pay out on any claims made against you. Meanwhile, if your provider discovers that you’ve lied or withheld information, it has the right to cancel your policy or to charge you an extra fee to reflect any missing details.
What is proof of no claims bonus?
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.
Do I lose my no claims bonus if someone hits me?
A no claims bonus (NCB), or more correctly a no claims discount, is awarded if you don’t claim in the latest policy year. Even if you have an accident that wasn’t your fault – you’re hit by an uninsured driver, or your car gets stolen – you could lose your NCB, and your premium could even go up at renewal.
What does proof of NCB look like?
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.
How many years no claims bonus do I lose if I have an accident?
Even if you do have to claim for an accident that was your fault, you could still keep some of your NCB. If you make one claim during your insurance period, you’ll lose two years of the bonus. So, if you have five or more years NCB, it will reduce to three years at renewal.
Do I lose no claims bonus if I have a break?
Most insurance providers will say a no claims discount is invalid if you have a break in your car insurance of two years or more, where as other providers may go to three years. So, it pays to shop around and ask questions.
Do insurance companies check if you had insurance Cancelled?
Future insurers will ask if you’ve ever had a policy cancelled or voided before and, depending on the reason for it, they could refuse to offer you cover as well.
Where can I get proof of my no claims bonus?
If you can’t find it there, it could also be included on your cancellation notice, once you’ve made the switch. If you still can’t find it, it’s always best to just get in touch with your existing provider and ask them to send you proof of your existing no-claims discount.
How long can I Keep my no claims bonus?
Endsleigh: Drivers can build up a no-claims bonus for up to nine years. Go Girl: Drivers can earn a no-claims discount if they don’t make any claims during any one year – and can protect the discount if they reach five years with no more than two claims.
What does it mean to have no claims bonus on car insurance?
What is a no-claims bonus? A no-claims bonus (NCB), or no-claims discount, is the number of years that you haven’t claimed on your car insurance policy. An NCB of five years or more can give you a significant discount on your premium.
Can You Keep Your no claims bonus after a windscreen repair?
Windscreen repairs are generally exempt, as are accidents where you can prove you were not at fault Many insurers, including Admiral and Diamond, allow customers with several years of no-claims bonus to keep some of their bonus after one claim. So if you have five years of bonus built up, making a claim will reduce it to three, not zero