How do you check if I have no claims?

Asked by: Mariana Corwin  |  Last update: November 18, 2022
Score: 4.2/5 (10 votes)

Some new providers will ask your old provider for the proof of no-claims discount themselves – they'll let you know if they do. If not, you may find the details on your renewal letter or on the cancellation notice you'll receive if you're switching. If not, contact your provider and ask them to send you the proof.

How do I find out if I have any no claims?

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.

Can't remember how many years no claims?

Many insurance providers will say a no-claims discount is invalid if there's a break in your car insurance of two years or more. But other providers may go to three years. That's why it pays to shop around and ask questions.

Do insurers check no claims bonus?

However, there are generally three ways to obtain proof of your no claims bonus and claim a discount on your car insurance: check your renewal letter, check your cancellation documents if you're switching insurer, or contact your insurer directly.

How do I get my NCB certificate?

If you are going through an insurance agent and buying the insurance policy online, then you would need to contact your previous insurer and request a transfer of your NCB. Submit all the documents that they require and they will issue you with an NCB certificate.

No-Claims Bonus - Things to look out for

15 related questions found

How do I find out how many claims I have?

The easiest may be to ask your existing car insurance provider for details of any claims you've made in the past. This information could include the date of any claims, the type of claims, how much was paid out, and details of any injuries. Alternatively, you could contact the Claims and Underwriting Exchange (CUE).

Is 9 years no claims the maximum?

Proof of no-claims when your no-claims bonus is higher than your new insurer's maximum. You may go to a new insurer with a higher amount of no-claims bonus than they will accept – for example, if you have 9 years no-claims bonus, but the maximum they apply is 4.

How do I get proof of my no claims discount?

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

Do you lose no claims bonus if you don't have a car?

The good news is, many insurance companies now offer named drivers their own no claims bonus – even if they're not the main driver or policyholder. As such, you'll often be able to keep your no claim's bonus running, even if you don't have your own policy.

Can I use my no claims on 2 cars?

Unfortunately, you can only use one set of no claim discount on one vehicle at any time. To earn multiple sets of no claim discount you need to insure multiple vehicles at the same time.

How can I check my insurance record?

Your current insurer should be able to provide you with all information related to your claim history, even if you've switched companies over the years. Simply get in touch with them and ask for a report. You can also contact CUE, the Claims and Underwriting Exchange.

Can I check cue database?

In order to see the information the CUE database has about you, simply make a free data subject access request using the Motor Insurance Bureau's (MIB's) subject access form. On the form you are given the option to receive your information by email or post, whichever is best for you.

How do I check my insurance claim?

How to Track the Status of a General Insurance Claim Online?
  1. Visit the website/ mobile application of your general insurer.
  2. Go to the option of tracking the claim status.
  3. Enter the required details in the form, such as your claim receipt/ file number, policy number, date of birth, etc.
  4. Submit all the details.

Can I check insurance status online?

You can check the status of your car insurance policy online on the website of the Insurance Information Bureau (IIB) or your insurance company. All you need to do is enter your vehicle registration number, engine number or chassis number and get the vehicle insurance status.

How do I check to see if my car insurance is active?

The easiest way to find out whether your car is insured is to note down the registration number of your vehicle. You can check this against the national Motor Insurance Database (askMID).

How can I check my car claim history?

In case you have met with an unfortunate accident, and you are not aware of the insurance details of the vehicle which caused the accident, you can find the information like history of the accident vehicle, vehicle registration number, etc. This can be easily found through the Insurance Information Bureau (IIB).

Is there a national database for insurance claims?

The FH NPIC (National Private Insurance Claims) database—our industry-leading collection of privately billed medical and dental procedures—is based on data contributions from payors nationwide.

Can I check my NI number online?

You can check your number using your online Personal tax account or on the HMRC App. When you go online you'll be asked some questions to start with, to confirm who you are. Don't worry if you can't get into it on your first attempt, you can try again later.

Can DVLA check insurance?

Under the scheme it is an offence to be the keeper of an uninsured vehicle unless it is declared off the road with DVLA . Information is cross checked between the Motor Insurance Database ( MID ) and DVLA keeper records. Under CIE keepers of vehicles which appear to be uninsured are sent reminder letters.

Do I lose my no claims if I don't drive for a year?

How long does no claims bonus last? So long as you've always got car insurance, your no claims discount will remain intact up until the point you need to make a claim. However, if you don't have car insurance for one or two years, you could stand to lose all the years of no claims discount you've built up.

What is the maximum no claims bonus?

In reality, most insurance providers cap the maximum no-claims discount at around five years. Some insurance companies do go beyond this - you might find an insurer willing to give you a discount on eight or nine years' worth of no-claims. And having those extra years could come in handy.

Can I mirror my no claims discount?

Car insurance: Mirror NCB

If you've earned NCB on one vehicle you may be able to mirror it on a second vehicle. Admiral can sometimes mirror NCB from the first car onto the second vehicle on a MultiCar policy.

Do named drivers get no claims?

Named drivers can't usually build up a no claims discount, although they can accumulate their own if they're insured as the main driver on their own car. Some insurance providers may give a named driver a discount – provided they take out their own policy at a later date.

How long is NCD valid for?

Your no claim discount (NCD) will be valid for 2 years after the expiration of your last policy, provided it is not being used on another policy.

Can the DVLA fine you for no insurance?

Penalties for uninsured drivers:

The police could give you a fixed penalty of £300 and 6 penalty points if you're caught driving a vehicle you're not insured to drive. If the case goes to court you could get: an unlimited fine. disqualified from driving.