We accept No Claims Discount (NCD) or Bonus earned from driving cars or vans. Here's what you need to know:
Accepted and Not Accepted NCD:
We accept NCD earned from driving a car or van.
We do not accept NCD for learner drivers, motorcycles, or fleet insurance.
Documents We Accept:
Closing statement
Proof of NCD letter
Email confirmation from previous insurer
Renewal invitation
Insurance schedule showing NCD in %
Documents We Don't Accept:
Motor proposal confirmations
Driving licence or summary
Uploading Documents:
If requested, upload your document via the Marshmallow app:
Tap your policy on the home screen.
Go to "Documents" at the top.
Select "Upload a document" and follow the instructions.
Verification and Updates:
Our team will review your documents.
If you can prove more NCD years than initially stated, we can adjust your discount (up to 25 years maximum).
Contacting Previous Insurer:
Unfortunately, we can't contact your previous insurer for NCD proof due to data protection rules.
Please contact them directly if you need assistance obtaining proof.
Gap in Cover:
We can't accept NCD with a gap of 3 or more years.
Combined foreign NCD is accepted if there's no gap of more than 3 years.
Multiple Insurers:
You can submit proof of NCD from multiple insurers.
However, you earn only one NCD year per calendar year, even with multiple policies.
Multiple Policies:
If you have more than one Marshmallow policy, you can apply the same No Claims Discount to both policies!
Adding extra years of No Claims Discount:
If we have not requested your NCD/No Claims Discount and you would like to provide proof of this, you'll need to speak to a member of the team.
For further assistance, contact our customer support team.