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My proof of No claim discount doesn't meet your requirements. What should I do?

When you send us your proof of No claim discount (NCD), we’ll need all the following information:

  • policy start and end date
  • your name as the policyholder
  • the number of years NCD you are entitled to
  • your car registration number
  • your postcode
  • your previous insurer's name.

If any of this is missing, please ask your previous insurer to send you a headed letter by post or email to confirm your proof of NCD with all of this information.

We can't accept a proof of NCD if it's:

  • from a policy the expired more than two years ago
  • already in use on another car insurance policy
  • been issued by an insurer outside the UK or EU, unless it's an insurer from a country the DVLA includes in their licence exchange scheme
  • not in your name as the policyholder
  • been earned on a company car, motorcycle or van.

If you don’t have an acceptable proof, you can keep the policy, but you’ll need to reduce your NCD to zero years and this will increase your premium.

To reduce your NCD you just need to:

  1. Log in to MyAviva.
  2. Select your Aviva Motor policy, then choose Details.
  3. Scroll down to the My policies
  4. Find the policy you wish to update and choose Change policy.
  5. Select Change driver.

You can reduce your NCD, see how it’ll affect your premium and make any extra payments. If your policy hasn't started yet, you'll need to set the 'effective date of change' to be the same as your start date.

If you don’t want to keep your policy without the NCD, you can cancel it. Please refer to your policy booklet for more information on any associated cancellation fees.

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