Contact your previous insurer first. Renewal documents, cancellation notices and formal no-claims letters are commonly used as evidence, but the new provider decides what it will accept.
Why proof is requested
When you state that you have several years of no-claims history, a new insurer may want evidence that supports the discount. This is separate from your general claims history, which may also be checked through industry databases or previous records.
Where to look
Check your previous insurer’s online account, renewal email, final policy documents and any cancellation notice issued when you switched providers. If those are unavailable, contact the insurer and ask for a formal no-claims confirmation.
Make sure the details match
The name, policy dates and no-claims amount should correspond with the new application. Problems can arise when proof is in another person’s name, relates to a different type of policy or shows a different number of years from the figure entered.
Do not invent a figure to get the quote
If you cannot prove a discount, do not simply enter the number you remember and hope the paperwork will not be requested. If the provider later rejects the evidence, the premium may change or the policy could be affected.
Named-driver history is different
Being a named driver does not automatically create a transferable no-claims bonus in the same way as holding your own policy. Some insurers may recognise named-driver experience in their own way, but you should not describe it as a standard no-claims bonus unless the provider tells you that it qualifies.
If proof arrives after purchase
Follow the insurer’s instructions and send it promptly. If there is a deadline, do not ignore it. If your old insurer is slow to issue the document, tell the new provider and keep evidence that you have requested it.
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