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Can a No Claims Discount (NCD) earned overseas be used on a Personal Lines motor policy?
No Claims Discount can only be accepted where it has been earned in the following countries - refer sections (1), (2) and (3) below:
(1) European Union (EU) and European Economic Area (EEA) -
|Austria||Belguim||Bulgaria||Croatia||Cyprus-South (Republic of Cyprus)||Czech Republic|
|Poland||Portugal||Republic of Cyprus (South)||Republic of Ireland||Romania||San Marino|
(2) Countries which the Driver and Vehicle Licensing Agency (DVLA) allow an exchange of Driving Licence (known as 'designated countries') -
|Andorra||Australia||Barbados||British Virgin Islands||Canada||Falkland Islands|
|Faroe Islands||Gibralta||Hong Kong||Japan||Monaco||New Zealand|
|Republic of Korea (South)||Singapore||South Africa||Switzerland||Zimbabwe|
- United States of America.
- NCD proof* from the following countries can also be accepted: Anguilla, Bermuda, Cayman Islands, Montserrat plus Turks and Caicos Islands (they are all part of the 'British Overseas Territories').
o NCD that has been earned beyond the above countries is NOT acceptable.
o The Broker/customer should be advised that a copy of the NCD proof* maybe required, and this will need to be translated into English.
o If requested, and the necessary criteria is met, Protected NCD can be allowed.
In the following situations; where NCD has been earned beyond our acceptable list of countries these can be considered subject to full information/details:
o An 'ex pat' (short for 'expatriate') - essentially a UK citizen who has been working or living overseas but who is returning to the UK.
o An Aviva issued motor insurance policy.
o A member of the UK Armed Forces returning to the UK following a period of time being stationed and living abroad.
*This needs to contain certain important information, including:
§ Should be on official company headed paper.
§ Be in the name of the policyholder.
§ Number of NCD years.
§ Details of any claims.
§ Policy expired/expiry date.
§ Where necessary an English translation is required alongside the original version - the translation should be by an authorised/sworn translator the appropriate seal/signature of authenticity.
§ Contact details of the Insurance Company, including: Telephone number, Email address, Fax number and Postal address.
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