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How do I prove my No Claims Discount (NCD)?

This article is for Marshmallow policyholders who need to submit proof of their No Claims Discount (NCD).

Updated yesterday

Your No Claims Discount (NCD) is a reward for safe driving. It reflects the number of years you've held a policy without making a claim. At Marshmallow, we use this to offer you a lower price on your insurance.

What types of NCD do Marshmallow accept?

We accept:

  • NCD earned from driving cars or vans

  • NCD earned as a named driver, if it can be proven

  • Company car NCD, if you're the sole driver and it's verified by your employer

  • International NCD, as long as it's not expired (no more than 3 years since last use)

  • Combined NCD from multiple insurers, as long as there’s no 3+ year gap between them

We do not accept:

  • NCD for motorcycles, fleet vehicles, or learner driver policies

  • Taxi, Hire & Reward, or Motor Trade NCD

  • Motor proposal confirmations

  • Driving licence summaries

We allow up to 25 years of NCD to be applied to a policy.

How do I upload my No Claims Discount documents?

You can upload your No Claims Discount (NCD) proof in the Marshmallow app:

  1. Tap your policy on the home screen

  2. Tap Documents

  3. Select Upload a document

  4. Follow the on-screen steps

Once uploaded, our team will review the document and be in contact if anything else needed.

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