Proving NCD after being with Aviva

InsideInsurance

Your renewal invitation will state what your NCD is for the purposes of their calculation, if they have a max 5 setup as most insurers do then thats all the invitation is likely to say.

Insurers as standard only send your proof of NCD after the policy lapses or is cancelled as Quentin says because of (a) the risk that you have an accident between now and then and (b) as you can only use NCD on one policy at a time and by giving the definitive proof before then could enable you to use the same NCD on multiple concurrent policies.

Obviously some of this is arguably voided by the fact most insurers do accept the renewal invite as sufficient proof where they too only count up to 5 years ncd so the other years are immaterial to them