Proving No Claims Discount -after changing insurers mid term

[torqueofthedevil]

My girlfriend has been insured continuously for 4 years - however, because we have cancelled policies to take out another one when swapping cars etc. We have 'lost' some NCD.

E.g have 1 years ncd, have a policy for 6 months and then change it. When taking out the new policy you just declare 1 years ncd - so end up loosing your ncd.

To prove the complete ncd that she is entitled to is it just a case of writing to each insurer to confirm when her insurance ran from and to?

Is there any easier way to do it?

Cheers.

[TwigtheWonderkid]

You get a years no claim bonus for having a complete years insurance without a claim. If you have 4 consecutive 6 month policies with 4 different insurers you do not have 2 yrs bonus. You don't have any.

[Mastodon2]

As above, it's gone. You've reset the counter to the last "proof of no claims" document she will have received at the last year of driving she completed with no claims.

[torqueofthedevil]

Really? Maybe an insurer would accept this though?

[Buff Mchugelarge]

Yup, all gone I'm afraid.

The same reason that after driving for 4 years I've still got 0 NCB despite never making a claim.