Help Category: No Claim Discount

What is No Claim Discount (NCD)?

No Claim Discount is a discount on your premium based on the number of consecutive complete years you have driven without making a claim. For more information, please see your Private Car Policy Document which you can find in Your Portal.

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Where do I send my proof of No Claim Discount?

You can send it by email to ncd@insurethebox.com, or by post to:

Customer Services
insurethebox
PO Box 1308 – Mail Centre
Newcastle
NE12 2BF

How can I get proof of my No Claim Discount (also known as No Claims Bonus)?

Your proof of No Claim Discount will automatically be produced within 48 hours of your policy cancellation or renewal date and will be sent to the email address we have recorded against your policy.  If after 48 hours you still have not received it, please request this by emailing ncd@insurethebox.com

If I make a windscreen claim will this affect my No Claim Discount?

No, windscreen claims do not affect your No Claim Discount.

Can I earn No Claim Discount as a named driver?

No, the No Claim Discount has to be earned by the policyholder as the policy is in their name.

What existing No Claim Discount will you accept?

You will need to send us evidence of your NCD from your last UK insurer within 14 days. NCD and proof must be:

  • Earned in the UK from an insurer authorised in the UK
  • Earned on a private car
  • The original copy, written in English on company headed paper
  • In your name as the policyholder
  • Earned on a policy that expired less than 2 years ago

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Do I need to send proof of my No Claim Discount (NCD)?

Yes. We have calculated your premium based on the No Claim Discount you stated that you acquired through previous insurance policies and we need to see proof that you are entitled to this discount. You can request your previous insurer to supply evidence of your NCD or send us a copy of your renewal notice.

If you can’t prove that you’re entitled to this No Claim Discount when we ask you to, we reserve the right to adjust your premium, or cancel your policy accordingly.

Do you accept No Claim Discounts that are already being used for other policies?

No – when you declare your No Claim Discount it must not be currently used to insure another vehicle.

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Do you accept No Claim Discounts earned while outside of the UK?

No – we do not accept No Claim Discounts earned outside of the UK.

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