What is a no claims discount?

A no claims discount is a reward for not making a claim on your car insurance in the past policy year.

The number of years no claims discount will be shown on your renewal invitation or current Statement of Insurance/Fact.

If you do make a claim, your discount will normally be less at the next renewal if your insurer can't get their money back from the person responsible.

Where can I find proof of my no claims discount?

New customers

When you get a car insurance quote, we ask for the number of years no claims discount (or no claims bonus) you already have. This information is on the cancellation notice or last renewal invitation from your previous insurer.

To validate your policy after purchase, we may ask for proof of the discount you've earned.

This will be a copy of the cancellation notice or last renewal invitation, or a letter on headed paper from your previous insurer.

The document should show:

Your name and address
The previous insurance policy number and expiry date
The vehicle registration number
Number of years no claims discount

The document must be dated within the past 2 years and can't be used for another vehicle. You'll also need to tell us about any gap of more than 30 days between your previous and the new AA policy, including claims or convictions.

You can upload the document to your account.

Or send it to us by email or post:

Email to: aavalidations@theaa.com

Post to: AA Insurance Services, Q3 Quorum Business Park, Benton Lane, Newcastle upon Tyne NE12 8EX

When we receive it we'll acknowledge the proof of your no claims discount. If we need more information, we'll make sure you have enough time to provide it. In the meantime, your AA car insurance policy will remain active.

Existing customers

If you already have car insurance with us, the number of years no claims discount is on your Statement of Insurance/Fact. You'll have received this at purchase or renewal, either by post or in your account.

If you need a replacement Statement of Insurance/Fact, log in to your account to print a copy or contact us via chat.

If you cancelled your policy before the renewal date, the number of years no claims discount will be on your cancellation letter. Otherwise we can't send proof of your no claims discount until your policy has ended.

Can I protect my no claims discount?

Yes, you can pay an additional premium to protect your no claims discount.

No claims discount protection allows you to make one or more claims before your number of no claims discount years falls.

A claim for windscreen repair or replacement won't affect your no claims discount.

No claims discount protection doesn't protect the renewal price of your insurance policy. The premium may increase following an accident, even if you weren't at fault.

What is the AA Uninsured Driver Promise?

If you make a claim following an accident that is not your fault, and the driver of the other vehicle is not insured, you won't lose your no claims discount or have to pay any excess.

We just ask you to tell us the other vehicle's make, model and valid registration number, so that we can identify the driver of the other vehicle.

Can a named driver earn a no claims discount on my policy?

Yes they can. Named drivers over 25 can earn their own no claims discount to use on a policy with us. See our page about

Car insurance FAQs

If you need to ask about your cover, we're here to help

Frequently asked questions for new customers

Already with us?.

If you're not sure about something or have a question about your policy, check the FAQs for existing customers.