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How do I find out how many years No Claims Bonus I have?

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  • The best way to find out how many years No Claims Bonus you currently have is to contact your insurer directly. This will ensure that the information entered in your quote is correct.
    If you have any further queries you may wish to read our No Claims Bonus guide: http://www.confused.com/guides/motori...
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  • i have changed insurance lots of times over the last 10 years and have lost track of my no claims and who i was with, how can i find out what no claims i have
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  • Hi Paul,

    Thanks for posting.

    Each time you take a policy out, insurers will ask for proof of no claims from your previous insurer. So this should be recorded each time you change.

    We would advise contacting your last insurer for proof of your no claims and how many years you currently have. This up to date proof is what new insurers will want to see and what you should be able to use.

    I hope this helps.
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  • I not use any car insurance company around 2 years it means I lost my no claims bonus?
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  • Hi Antanas,

    Thanks for posting.

    Once earned, a No Claims Bonus (NCB) will remain valid until you undergo a period of two years without private car insurance. After the period of two years, depending on the insurance provider, your NCB will either become invalid, or some insurance providers simply begin to decrease the number of years for each year that has passed without insurance.

    As this is specific to the providers, so if you wanted further information on this subject, please direct any questions to the insurance provider in question directly.

    I hope this helps.
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  • HI

    My son has is being asked for his NCD but he can not remember is last insurer how can we prove he has them the last insurer he was with cancelled his insurance because he lost his job and could not pay monthly any longer should they still have them on record?

    Sam
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  • Hello Sam,

    Thanks for posting.

    If the insurance was taken out through Confused.com we will be happy to check our database to see if we have a record of who your son purchased insurance with. In this case please email communications@confused.com with his full name, date of birth, postcode, and a rough date that the purchase was made.

    In the meantime, you may also see the name of the insurer you have sent payments to noted on a bank statement, so you could ask your son to check with his bank to see if they can advise him further.

    I do hope this helps.
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  • Hi,
    I bought a second car for my wife. She is the main driver but when we insured it we made a mistake with the no claims bonus, because she had a company car for years and I did not know that NCB's run out after 2 years. Anyway I called the insurance company and they said not to worry they'll accept the NCB that we declared. This was a couple years ago now, but I am curious to know what is the true status of her NCB? Is it what our insurance company is giving us or is it the true number of years? And how would we prove the real NCB? All our renewals give the adjusted NCB.
    Thanks
    Sambotron
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  • Hello Sammy,

    Thanks for posting.

    Please contact your most recent insurance provider, they will be able to confirm the amount of NCB you have and send you the proof you require.

    Contact details will be found on their website, if you're having difficulty locating these, please reply with the name of your previous provider and I'll be more than happy to forward you the relevant contact details.

    I'm sorry I couldn't confirm the amount of NCB you have but I hope this information helps.
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  • Hello,
    I have been driving for 10 years now and always have been a named driver! Also i tend to rent lots of different cars and i also am a member of city car & E-car club. Never had an accident and never calmed for any thing. Now i am thinking to get a car but not to sure if i get any NCB?
    Thank Dori
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  • Hello Shahaj,

    Thank you for posting!

    As we're a price comparison website, we don't deal with the insurance directly.

    With No Claims Bonus Discounts, each insurer can ask for different criteria to determine the amount of discount that they can award you. The majority of insurance providers will only accept No Claims Bonus (NCB) which has been earned as a policy holder of a privately insured car, and will not accept any earned as a named driver or on a rented car.

    If you only have No Claims Bonus years which you have earned as a named driver and no years earned as a policyholder of a privately insured car, for the purposes of the quotation, please enter your total NCB years as 0.

    When you select 'No NCB' on our site, you will be asked further questions such as "Have you held car insurance in your name within the last 2 years?" and "Have you been regularly driving a car not insured by you?". You can enter the details of your claim free driving experience here.

    Please note, as each insurer is different, you may want to contact your chosen provider before purchasing the policy to see if they are able to accept any NCB from being a named driver.

    I hope this helps. If you have any further queries, please don't hesitate to contact us again.
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