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Standard Car Insurance

What is acceptable proof of No Claims Discount?

We may ask to see your latest renewal invitation or cancellation letter sent to you from your last insurer, and ask that it:

  • Be in the name of the policyholder,
  • Be less than two years old (unless your last Car Insurance policy was with Tesco Bank, then it can be up to three years old),
  • Show the number of years no claims (not a percentage),
  • Foreign No Claims Discount (NCD) may be acceptable,
  • It's an acceptable document (renewal/cancellation/NCD record) on company/letter headed paper.

We will contact you by letter or email within the first 10 days of your cover start date if we require proof of no claims, which can be uploaded via Your Insurance Account.

  • Once you log in, select the policy you want to upload the documents to
  • Click on the 'Upload documents' from the front screen of your policy
  • To upload a document simply take a picture of the document or save the document to your device.
  • Once you have done this select 'Add files' and select the relevant file.

Please note that only certain types of file can be uploaded, these are: GIF, PNG, PDF, JPG, JPEG and JPE. Uploaded files can be no larger than 3MB. If your file is too large please resize your image and try uploading again. You are limited to 25 uploads during the policy life cycle.

This can also be emailed to us at (please put your policy/reference number in the subject box) or sent via the post to Freepost RSJB-RZZY-HTJB, Tesco Bank Customer Service, P.O. Box 276, Newcastle Upon Tyne, NE12 8BU.

Please check your policy wording for full details including exclusions and limitations. This answer specifically relates to Tesco Bank Car Insurance. For an answer relating to Tesco Bank Box Insurance please select the Box Insurance FAQ category or try using the search box at the top.


Do you accept motorcycle/moped no claims discount on my car policy?

Hi @gdb48, thanks for getting in touch. You can find more details in the link provided below. I hope this helps - Thomas

I've just started a policy and keep getting emails saying proof of NCD is needed. I've had s company car for the last 2.5 years and did have 1 bump around 18 months ago. I have sent a letter from my company stating this yet it must not be enough. The company has since gone into administration and I have been made redundant hence the need for a car as lost my company one. What else can I do to prove this? 

Toddy - i think you're just going to have to say you've got zero no claims bonus and start fresh

Hi @Toddy1972, thanks for getting in touch. Is the letter a No Claims Discount certificate? If not, we might not be able to accept it. If you could please send Tesco-Bank a private message with your full name, DOB, postcode and policy number, I'll be able to check this for you - Caroline

Hi I was with mobility insurance for 13 years they have emailed me a letter saying I have 9 years no claims do you recognize as 9 years no claims got insured for jus under£500 and then they told me they do not recognize my 9 years no claims and put it up two £800 . So I had two cancel my insurance I have two be insured bye the 10 of December please can you help kind regards Antony Locke


Hi @Antony1969, thanks for getting in touch. So I can check this for you, could you please confirm your full name, DOB, postcode and policy number in a private message to Tesco-Bank? - Caroline