It’s easy to provide proof of your No Claims Discount (NCD)


Here you can find all the help you need to provide your proof quickly and easily, if we have asked for it. Please note you must send your proof of NCD within 14 days from the day you purchased your policy to complete your insurance. Without it your policy may be cancelled.

If you've already sent it to us, don't worry. You don’t need to contact us or send it again. We will email you as soon as your proof of NCD has been processed.

Check if your No Claims Discount (NCD) could be affected with our No Claims Discount tables

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What you need to provide

We need either a full renewal invitation letter, a cancellation letter or a proof of bonus letter from your previous insurer. The document should be for a single vehicle only, and clearly display the following:

  • Your No Claims Discount in years
  • Your name and address
  • Names and logo of your previous insurer
  • Your previous policy expiry date
  • Your registration number.
     

You can provide original copies, photos or screenshots in one single file, as long as the whole document is visible.

Ready to submit your proof of NCD?

Yes, I'm ready

If your NCD years will only be used for the vehicle you're insuring with us, and your proof was issued within the last two years, here's how to submit it to us: 

  • Upload1 using our online form.
  • Upload1 into your online account. Log in or create an account, if you haven't done it yet.
  • Post copies to Rias, Everedene House, Deansleigh Road, Bournemouth, BH7 7DU.


*You can upload your documents in one of the following formats: Microsoft Word document, PDF, PNG and JPG (maximum size: 3MB). Please make sure to send all pages on the document you are using as proof in one single submission - don't try to upload it more than once.

I'd like some more information

No problem, here's some more information on what we're looking for:

We are unable to accept the following as proof of NCD

  • The ‘Statement of fact’ from your previous insurer.
  • Any discount built up under a commercial fleet or motor trade policy.
  • Any discount built up under an insurance policy for motorcycle, taxi or private hire vehicle.
  • Any discount built up under a policy held outside of the UK.

Things to look out for

  • The number of years of discount should be clearly shown.
  • The No Claims Discount proof must be an original document that hasn’t been altered.
  • The documents should include the vehicle details and the previous insurer’s name and contact details.
  • Make sure the vehicle registration number shown on your proof is the same that is shown on your new policy.
  • Proof of No Claims Discount can only be applied to one policy and cannot be used across multiple vehicles or policies.

Upload your proof of No Claims Discount

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Frequently asked questions

How do I provide proof of my No Claims Discount (NCD) ?

We automatically check your No Claims Discount (NCD), so there's no need to upload proof yourself.

We’ll only ask for proof of your No Claims Discount if we need it.

If we do, we’ll get in touch.

How many years of No Claims Discount (NCD) can I accumulate?

Each insurer has a maximum No Claims Discount (NCD) they will offer.

Our maximum at Rias is 9 years. If you come to us with more than 9 years NCD, you will be entitled to our maximum discount of 9 years, which will show as ‘9 years’ on your documentation.

How do I view my documents?

The easiest way to view your policy information and documents is by logging in to your Account.

Once you've logged in, you will be able to access:

  • Policy documents
  • Your Agreement with Rias or Terms of Business, including Fees and charges
  • Statement of Fact or Schedule of Insurance
  • Motor certificate

You may also be able to find your documents in your policy confirmation email.

If you're having trouble finding your documents or accessing your account, please get in touch, we'll be happy to help.

 

1 You can upload your documents in one of the following formats: Microsoft Word document, PDF, PNG and JPG (maximum size: 3MB). Please make sure to send all pages on the document you are using as proof in one single submission - don't try to upload it more than once.