No Claim Discount Letter Sample
Subject: Request for No Claim Discount (NCD) Letter
Dear Sir/Madam,
I am writing to request a No Claim Discount (NCD) letter for my [policy type] policy with [Insurance Company Name]. My policy number is [Policy Number], and it is effective from [Policy Start Date] to [Policy End Date].
I am pleased to inform you that I have been a loyal and responsible policyholder with your company for [number of years]. Throughout the duration of my policy, I have not made any claims. As a result, I am eligible for a No Claim Discount (NCD) on my next policy renewal.
I would greatly appreciate it if you could provide me with an official letter stating my entitlement to the No Claim Discount (NCD) based on my claims-free history. This letter is required by my new insurance provider to process the discount on my policy with them.
Please ensure that the NCD letter includes the following information:
1. My full name and address.
2. The policy number and policy period.
3. The total number of years I have been a policyholder without making any claims.
4. Confirmation of the No Claim Discount percentage or the number of years entitled to the discount.
5. The letterhead and contact details of your company.
If there are any specific forms or documents required to complete this request, please let me know, and I will promptly provide them.
I kindly request that you process my request as soon as possible to avoid any delays in my policy renewal with the new insurance provider. If there are any fees or charges associated with obtaining the NCD letter, please inform me in advance.
Thank you for your prompt attention to this matter. I have been satisfied with the services provided by your company, and I hope to continue our business relationship in the future.
Please feel free to contact me at [Phone Number] or [Email Address] if you require any further information or have any questions regarding my request.
Yours sincerely,
[Your Name]
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Basic No Claim Discount (NCD) Request Letter
Dear Insurance Team,
I am writing to request a No Claim Discount (NCD) certificate for my vehicle insurance policy [Policy Number]. I have maintained a claim-free record for the past [number] years and would like to avail the corresponding discount on my renewal.
Please provide the NCD certificate at your earliest convenience. I appreciate your prompt attention to this matter.
Thank you.
Sincerely,
[Your Name]
Provisional NCD Request Email
Subject: Request for Provisional No Claim Discount
Hello [Insurance Company Name],
I hope this message finds you well. I am due to renew my vehicle insurance policy [Policy Number], and I would like to request a provisional No Claim Discount based on my claim-free history for the past year.
Please confirm if you can issue this provisionally while my official NCD certificate is processed.
Best regards,
[Your Name]
Informal Reminder for NCD Certificate
Hi [Insurance Team],
Just following up on my previous request for my No Claim Discount certificate for policy [Policy Number]. It’s been [time period] and I haven’t received it yet.
Would appreciate it if you could send it over soon. Thanks a bunch!
Cheers,
[Your Name]
Heartfelt Thank You with NCD Request
Dear [Insurance Company Name],
I hope you are doing well. I have been a loyal policyholder for [number] years, and I am grateful for the excellent service provided. I am writing to request my No Claim Discount certificate for my policy [Policy Number] to ensure I can continue enjoying this benefit.
Your assistance in this matter would mean a lot to me. Thank you for your continued support.
Warm regards,
[Your Name]
Quick NCD Request for Renewal
Subject: NCD Certificate Request
Dear Team,
I am renewing my policy [Policy Number] and need the No Claim Discount certificate urgently. Please send it at the earliest.
Thank you,
[Your Name]
What / Why is a No Claim Discount Letter
A No Claim Discount (NCD) letter is a document provided by an insurance company to certify that a policyholder has not made any claims during the policy term.
Purpose:
- To provide proof for claiming a discount on policy renewal.
- To reduce insurance premiums based on a claim-free record.
- To maintain accurate records of customer history.
Who should send the No Claim Discount Letter
- The letter is typically sent by the insurance company to the policyholder.
- Policyholders may also request the letter from the insurance company if it is not automatically provided.
- Agents or brokers can act as intermediaries in sending or requesting the letter.
Whom should the NCD Letter be addressed to
- Insurance company’s customer service or underwriting department.
- Sometimes directly to the insurance agent handling the policy.
- In case of transferring the NCD to a new insurer, it may be addressed to the new insurance company.
When to request a No Claim Discount Letter
- During policy renewal.
- When switching insurance providers.
- After completing a claim-free policy year.
- If applying for multi-year NCD proof for other vehicles or policies.
How to write and send the NCD Letter
- Identify your policy number and claim-free duration.
- Choose the tone based on urgency and relationship with insurer (formal, casual, or quick).
- Include a polite request for the certificate.
- Send via email for quick processing or postal service if required.
- Keep a copy for records.
Requirements and Prerequisites before requesting NCD
- Active policy details (policy number, term dates).
- Claim history for the period requested.
- Proof of identity if requested by the insurer.
- Contact information for receiving the NCD certificate.
Formatting Tips for No Claim Discount Letters
- Length: Keep it short and to the point (3–5 paragraphs max).
- Tone: Professional or formal is preferred, casual or quick may be used for email reminders.
- Style: Direct and polite; include policy number and claim-free duration.
- Mode of Sending: Email or printed letter depending on insurer requirements.
- Etiquette: Thank the recipient, avoid demanding language, and clearly mention urgency if applicable.
Common Mistakes in NCD Letters
- Not mentioning policy number.
- Forgetting to state the claim-free period.
- Using informal language in a formal request.
- Sending the request to the wrong department.
- Not keeping a copy of the sent letter or email.
Elements and Structure of a No Claim Discount Letter
- Subject line or title (for emails).
- Greeting (Dear [Insurance Team/Agent]).
- Introduction (state purpose clearly).
- Body (mention policy number, claim-free duration, and request).
- Closing (polite thanks).
- Signature (name and contact details).
- Attachments (if proof of identity or prior correspondence is needed).
After Sending the NCD Letter: Follow-up
- Wait 3–7 business days for response.
- Follow up with a polite email or call if no response.
- Confirm receipt and correctness of the certificate once issued.
- Keep digital and physical copies for future use.
Tricks and Tips for Getting Your NCD Letter Quickly
- Request the NCD via email to speed up processing.
- Provide all required details upfront (policy number, claim-free years).
- If urgent, call the insurer after sending the request.
- Keep a template ready for recurring annual requests.
Compare and Contrast NCD Letters
- Versus Regular Insurance Letters: NCD letters are proof-based, not policy terms or claims notices.
- Versus Claim Letters: NCD letters confirm no claims; claim letters report incidents.
- Alternative: Some insurers allow online portals to download NCD certificates directly, reducing the need for formal letters.
