How to get proof of your no claim discount

Here's what counts and what your new insurer will want to see:

• An official company headed document in electronic or paper format
• The main driver’s name
• The vehicle registration number
• The number in years of no claim discount earned.
• The date of cancellation or renewal
• Make sure the image is clear, as all the information you provide will be carefully checked.

Here are four ways to track down your no claim discount proof:

1. 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. Or you can usually find these as paper documents sent through the post.
2. Cancellation letter - If you cancel your car insurance policy, you'll receive a confirmation letter. Check this letter or email for details on your no-claim history.
3. Contact past insurer - Get in touch with your insurer to request a formal letter stating your no-claim history.
4. Contact current insurer - The easiest way to get proof of your no claim discount is usually through your current insurer. They can provide this information in renewal or cancellation documents, and authorised insurers can also confirm your record via the Motor Insurance Bureau’s NCD database.
   
   If you’re an existing Aviva customer, you can do this by logging into your MyAviva online account. From there, you can review your policy and download the documents you need without calling us.

You can reach out to your existing or previous car insurer and ask them to confirm in writing or check your insurance documents. For Aviva customers, If you can access MyAviva online this may be the most direct way to check.

Does my no claim from abroad count?

If you've earned a no claim history discount overseas, your insurer may consider it. There may be stricter rules around this, you might need written proof from your previous insurer. Contact your insurer first to understand what you'll need to show as proof.

Your insurer may accept your no claim discount if it was earned in the following countries: 

European Union (EU) and European Economic Area (EEA)

Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus (South), Republic of Ireland, Republic of Moldova, Monaco, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden.

Other countries: 

Andorra, Australia, Barbados, British Virgin Islands, Canada, Gibraltar, Falkland Islands, Faroe Islands, Hong Kong, Japan, Monaco, New Zealand, Republic of Korea (South), Singapore, South Africa, Switzerland, United States of America, Zimbabwe, Cayman Islands, The Republic of North Macedonia, Taiwan, United Arab Emirates, Ukraine and Republic of Moldova.

Proof of your NCD should also: 

• be in English. We’ll also accept an English translation of the document, alongside the original version. But the translation must be by an authorised/sworn translator with the appropriate seal/signature of authenticity. We’ll also need contact details of the insurance company including telephone number, email address, and postal address.
• be on official company headed paper
• be in the main driver’s name
• show the vehicle details
• confirm the number of years the NCD was built up over
• show the date the policy expired

You'll have 7 to 28 days to give your NCD proof after your cover begins. If you can't show it by then, you'll risk having the insurance cancelled or your premium going up. Different insurers may have slight variations in the exact timeframe, but the practice of requiring NCD proof within a few weeks of the policy start date is common when purchasing new car insurance policy.

Your no claim discount will remain valid for up to two years after your car insurance expires, provided it is not being used on another policy. If you don’t drive or renew your insurance within this two-year period, you risk losing your NCD and may need to start building it up again once you resume driving. Additionally, if you have been living abroad or driving a company car, you may need to provide written evidence of your insurance history to transfer your no claim discount. If you’re not the main driver on a policy, you will lose your NCD.

To send your no claim discount (NCD) to Aviva, you have a couple of options:

Upload via MyAviva:

• Log in to your MyAviva account (or register if you haven’t already).
• Find your motor policy.
• Upload your proof of NCD directly through the platform.

Mail:

Send your proof of NCD to the following address:

NCD Validation Team

PO Box 3445

Norwich

NR1 3GS

Make sure your proof of NCD is in English, and includes the main driver’s name, vehicle details, number of years the NCD was built up, and the date the policy expired.

If you need further assistance, feel free to contact Aviva’s motor customer support.