What Happens If You Can’T Prove No Claims?

Do you lose your no claims for drink driving?

I can confirm that a drink drive conviction does not affect your no claims bonus.

the only problem that people find is with longer convictions.

You are right, gstanley, that no claims is valid for 2 years so people with longer convictions than that will find that the NCB has expired..

Can your no claims expire?

Can your No Claims Bonus expire? The expiry period for an unused no claims bonus is two years after you’ve cancelled your last policy. So if you have taken a break from driving but you don’t want to lose your NCB, you’ll have to take out a new policy within two years to carry on where you left off.

Do you lose your no claims bonus if you get banned?

After you make a claim, your insurance premium does typically tend to increase and you lose your no claims bonus (unless you choose to pay to protect it). If you are coming to the end of a ban then you should get in touch with a specialist insurance broker, like Think, who deal with convicted drivers.

Do all insurers ask for proof of no claims?

Do insurance companies ask for proof of no-claims? Yes. When switching insurance providers, most will request that you provide proof of your no-claims bonus when getting a quote.

What’s the maximum no claims discount?

five yearsGet a car insurance quote 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.

Will I lose my no claims if I cancel my car insurance?

No claims discount (NCD) is awarded for each full year of insurance, so if you cancel mid-way through the year your no claims discount will not increase.

Do I lose all my no claims after an accident?

If your insurance provider considers the industry standard of five years to be the maximum NCD, you’ll be left with three years’ NCD. And if you make a second claim, you’ll lose it all. If the accident wasn’t your fault, your insurance provider will try to recover the costs from the driver who was at fault.

Do you have to prove your no claims?

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.

How do I get my proof of no claims?

Insurers should provide proof of your bonus at the end of your policy term. You can pass this on to your next provider when you switch. Some insurers may provide your proof of no claims in the car insurance renewal letter they send you. If it’s not there, you can call your insurer and ask them to send it.

How do I check my NCD discount?

If you’re a Budget Direct customer, you can see your no-claim discount (NCD) or driver rating by:logging into your online account.referring to your insurance certificate.viewing your latest Budget Direct renewal offer.contacting us.

How long does no claims discount last?

two yearsProof of no claims is usually only valid for two years, which means if you’re off the road for any reason or don’t have your own policy for more than two years, you’ll be back to zero NCD the next time you take out cover.