If you have taken out a Marshmallow car insurance policy and stated that you have 1 or more years of claim-free driving history, you need to send us proof from your previous insurer. We can then confirm your No Claims Discount (NCD).
This article looks at how to provide proof. Check out our blog if you want to learn more about how No Claims Discount works.
What counts as proof of No Claims Discount?
Proof of your No Claims Discount (NCD) must come from your previous insurer. Different countries provide different documents as proof of claim-free driving, so we accept many formats. It can also be called a No Claims Bonus (NCB) Certificate or Bonus Malus.
What we accept as proof of an NCD:
- Proof of No Claims Discount letter (sometimes called a No Claims Bonus Certificate)
- Closing statement showing your time on cover and any claims
- Email from your previous insurer confirming your No Claims Discount years
- Renewal Invitation from your previous insurer
- Schedule of insurance showing your No Claims Discount percentage
Your No Claims Discount proof must include:
- Number of No Claims Discount years
- Details of any claims
- Policy start and expiry date
- The insurer’s contact details (phone, email and postal address)
We cannot accept the following as proof of a NCD:
- Motor Proposal Confirmations
- A driving licence or licence summary
- Learner NCD
- NCD for a motorbike
- NCD for fleet insurance
- NCD with a gap in cover of more than 3 years (We do accept combined foreign NCD provided that there is no gap of more than 3 years.)
Can you accept NCD if I was not the main policy holder?
If you earned NCD while you were insured as an additional driver on someone else's car, we would still be able to use this to apply discounts to your policy.
In this case, we would need to see:
- Proof of NCD in the main policy holder's name
- Proof that you were insured as the additional driver for the number of years NCD was earned.
For example, if you are declaring 5 years NCD and earned this as an additional driver on your partner's car, we would need to see your partner's proof of 5 years NCD and then proof that you were insured as the additional driver on that policy for 5 years.
Learn how to download your NCD as a PDF.
Can you contact my previous insurer and get my proof of NCD?
No, we can't collect proof on your behalf. Please contact your previous insurer and they can help you.
How to send your No Claims Discount proof
Once you have your NCD proof, it's quick and easy to send to us:
- Log into the Marshmallow app
- Find your policy and tap Documents
- Select Upload a document
- Follow the instructions to upload your file
We prefer a PDF, but you can also upload a clear photo or scan of a paper document. Please upload your proof within seven days of getting your policy.
Our team will check your proof to confirm your driving history. Once accepted, your discount will be applied to your policy automatically.
What if I don’t have No Claims Discount proof?
We know it can sometimes be hard to get proof, especially from insurers outside the UK. There are different options depending on why you don’t have proof of your No Claims Discount.
If your previous policy has not ended
If you need more time because your old policy is still active, start a Live Chat in the Marshmallow app or on our Help page. Our team will explain your options.
If you can’t find your proof
Ask your previous insurer to send a letter or email confirming your No Claims Discount or claims-free history. Then upload it in the Marshmallow app or through the link we sent you by email.
If you can’t provide proof
If you cannot provide acceptable proof, the discount may have to be removed. This could increase your premium.
Don’t worry, at Marshmallow we’ll always email you before making changes.If you later find valid proof, we’ll reduce your premium again.
Please note: if you’re a Marshmallow Lightest or Essential customer, a £25 admin fee applies to make this change.
What if I can prove more No Claims Discount years than originally quoted?
That’s great news. If you can show more years than you declared when signing up, we’ll update your discount. The maximum number of years we accept is 10 years.
NCD Proof: Frequently Asked Questions (FAQs)
What if I haven’t been insured for a while?
That’s okay. As long as your document shows that your most recent car insurance ended within the last three years, we can still apply a discount.
Can you accept NCD documents from a broker?
No. We need proof from the insurer, not from a broker or a friend who took out the policy for you. If you bought insurance through an agent, contact them directly.
Do I need to get my NCD documents translated?
No. Send us your original documents, even if they are in another language, and we’ll handle it.
Why was my NCD document rejected?
We can’t accept proof if it’s outdated, missing key details, or doesn’t match your policy. If you think we made a mistake, contact us via Live Chat in the Marshmallow App or on our Help page.
Can you provide me with No Claims Discount proof for my new insurer?
Yes. When you leave, you can request a No Claims Discount certificate from us.
I didn’t need car insurance in my country. Can I get a NCD discount?
Unfortunately, no. You must have had car insurance in the past to build a No Claims Discount.