How do I know how many no claims I have?
Asked by: Kenya O'Reilly | Last update: January 16, 2026Score: 4.3/5 (1 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.
Can I check my NCB online?
From your insurance renewal documents - You'll usually be able to log into your insurer's website and view details of your policy, including how many years of NCB you have accumulated. Alternatively, you might have a paper copy filed away, which you'll typically receive when your policy is nearing its renewal date.
How do I find my NCD?
- 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 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 how much I have 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 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 can I see NCD?
Please look for your NCD entitlement in your renewal notice or query your existing insurer.
Is there a no claim discount for life?
Yes — if 'Rating 1 for Life' is shown on your car insurance certificate, you can keep your maximum no claim discount for life — as long as NCD Protection is shown as included on your insurance certificate.
How do I get my NCD proof?
- 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 NCB balance?
FREE Balance Enquiries with the NCB Mobile App, our ABMs or in-branch Kiosks keep you on top of your account.
How long do no claims last?
How long does a no-claims bonus last? Many no-claims discounts last for two years after your car insurance policy ends. If you don't renew your policy within two years, you may lose the no-claims you've earned.
What is the maximum no-claims bonus?
There will be a maximum number of years you can build a no-claims bonus. This is decided by individual insurers and can vary from about nine years up to 20.
Will NCD expire?
A no-claims bonus doesn't have an expiry date, as such. As long as you have a valid car insurance policy without any claims, or go for less than two years between policies, your NCD should remain active. However, there's a time limit on the maximum number of years you can build up your no-claims.
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.
Where can you find your NCD?
You can contact your current insurer to send you a notice with proof of your rating, or you can check your previous renewal notice for an indication of your no claims discount. Your new insurer may then take your discount into consideration when they calculate your premium.
What's my NCD 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).
What is your NCD?
No claim discount (NCD), also known as a No Claim Bonus, is a discount on your car insurance premium that your insurer may offer as a reward for not having made a claim against your policy. Typically, you earn one year of NCD for every year you don't make a claim on your car insurance.
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 to check claims history?
Your insurance provider should hold a record of your claim history, including any claims made under your current policy as well as any previous claims declared when you took out your policy. They can give you details of dates, type of claims, how much was paid out and any injuries.
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 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 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.