How do I check my no claims bonus?
Asked by: Prof. Sabryna Tillman V | Last update: November 14, 2025Score: 4.1/5 (35 votes)
How do I check my NCD online?
How do I get proof of my no claim discount (NCD)? Here are four ways to track down your no claim discount proof: Insurance renewal documents - Check your insurance policy details. You can log on to your account with your current car insurer to find your policy information.
How do I find my current no claim bonus?
NCB is calculated on the amount of your car insurance premium starting from the second year. It usually begins with a 20% discount on the premium and subsequently goes up with each consecutive claim-free year.
Is there a no claims bonus database?
NCD (No Claims Discount) database
The NCD service is an online digital service that replaces the need for motor insurers and policy holders to have to manually exchange papers about a policy holders' NCD data.
Where will I find my no claims bonus?
Your previous insurer would have sent details of your no claims bonus to you with your renewal offer. If you do not have this you will need to contact your previous insurer and request another copy of it. Your no claims bonus shows the number of years you have claims free driving on a policy in your own name.
No-Claims Bonus - Things to look out for
How do I find out my no claim bonus rating?
To find your rating, check your current car insurance policy. Generally, ratings start at 6 and reduce by one for each year you don't claim. For example, 'Rating 1' drivers haven't made a claim for the last five years (this is usually the maximum number).
How to find no claims bonus AA?
The number of years no claims discount will be shown on your renewal invitation or current Statement of Insurance/Fact. If you do make a claim, your discount will normally be less at the next renewal if your insurer can't get their money back from the person responsible.
How long is no claims bonus valid for?
A no claims bonus or no claims discount is usually valid for two years after a policy ends, but it varies between insurers. For example, we accept up to three years. This means that if you don't have a car, you'll still retain your no claims bonus.
Can I check the cue database?
If you wish to find out what information is held about you on the CUE database, please complete a Subject Access Request form. Alternatively if you wish to contact us regarding a complaint, or any other query relating to these databases, please contact MIB on on 0345 1652803 (freephone) or at dataprotection@mib.org.uk.
Do you automatically get no claims bonus?
If you have a claim-free record your insurer will reward you with a no claims discount, also known as a no claims bonus, which reduces the price of your premium. No claims bonuses differ from insurer to insurer. This is a very competitive area for insurance companies so it is worth shopping around for the best deal.
How do I check my NCB online?
The NCB is typically reflected in the renewal notice and can also be checked online through the insurance company's website or mobile app. It is important to note that the NCB is non-transferable between different insurers and can only be used towards the premium of the same vehicle insured with the same insurer.
How do I find my bonus?
- Determine the employee's base salary.
- Decide the percentage to be given as a bonus.
- Calculate the bonus by dividing the bonus percentage by 100 and multiplying it by the base salary.
Can I withdraw no claim bonus?
If you let your policy lapse, regardless of how many claim-free years you have and how many premium discounts you are entitled to under your car insurance policy, your car insurer will withdraw the No Claim Bonus.
Where can I see NCD?
Please look for your NCD entitlement in your renewal notice or query your existing insurer.
How do I connect to NCD?
Use the Phone Cable to connect the NCD's grey Wall Socket port to your phone Wall Socket. Use the Ethernet Cable to connect the NCD's yellow Gateway Port to your modem's blue WAN Port. Turn on both devices and allow 15 minutes for automatic configuration.
How do I check if my health insurance is active online?
- Log in to your insurance provider's website or mobile app.
- Navigate to the "My Policies" or "Coverage Summary" section.
- Look for "Active" status next to your policy.
How can I see my claim history?
You can request a copy of the claims history with your current home insurance company by simply requesting it or logging into your account online or in the app. However, to obtain a copy of claims filed on your home by previous owners, the CLUE report is your best option.
What is cue check?
CUE Check provides access to the Motor, Home and Personal Injury databases, and DVLA Keeper records. CUE Home and Motor enquiries provide access to the database for the purpose of verifying the individual's claims history.
How long do claims stay on cue?
Your claims history
The Claims and Underwriting Exchange (CUE), is the central database of motor, home, personal injury and industrial illness incidents reported by insurers which may give rise to a claim. This data is held for 6 years from the date the claim was closed.
How do I check my no-claim bonus?
You can find out how many years of no claims bonus you've accumulated on your car insurance renewal paperwork, on your cancellation letter, or a letter from your provider confirming your no-claims discount. To be valid, it must be dated within two years of starting your new car insurance policy.
How do I check my NCD?
How Do I Check My No-Claims Discount (NCD) in Singapore? There are two simple ways to find out your existing NCD. The first is to look at your current car insurance policy schedule - It shows your current NCD entitlement. The second is to ask your current car insurance company directly.
How do I get my no claims bonus certificate?
- Look for the details on your renewal letter – you may be able to access this in your online account.
- Look on the cancellation notice you'll receive if you're switching.
- Contact your provider and ask them to send you a letter as proof.
How do I check my NCD rating?
- Logging into your online car insurance account.
- Referring to your insurance certificate; many specify your no claims discount rating.
- Viewing your car insurer's latest renewal offer.
- Calling your car insurer and speaking to them directly.
Where do you get your no claims bonus?
Your insurance company should provide proof of your bonus at the end of your policy term, so when you switch you can pass this on to your next provider. Some insurers will provide your proof of no claims in the car insurance renewal letter or email.
Do I lose no claims if it wasn't my fault?
When you make a non-fault claim, your no-claims bonus could be affected while your insurance provider investigates who's at fault. However, if they confirm that you're not liable and they're able to fully recover their losses from the other provider, your full no-claims bonus should be reinstated.