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Home Public Liability Insurance Do I need to provide proof of No Claim Discount?

Do I need to provide proof of No Claim Discount?

When you take out a public liability insurance policy with Tradesman Saver, we ask you to honestly declare any prior claims history. This allows us to provide a fair quote.

Initially, you do not need to provide documented evidence of being claim-free unless specifically requested during the application process.

However, if you go on to make a claim under your Tradesman Saver policy, we reserve the right to then request proof of your no claims declaration.

Why We Need Proof for Your No-Claims Discount:

There are a couple reasons we may request documented evidence after a claim:

  • To confirm previous claim details that influence payout amounts.
  • To ensure no customer receives discounted premiums improperly through false declarations.

Requesting proof helps us process claims accurately and fairly for all customers.

Suitable Proof Includes:

  • Certificate of insurance from a prior insurer
  • Letters from previous insurers confirming claims history.
  • Redacted bank statements showing prior insurance payments.
  • Insurer statements demonstrating length of policies held.

Do not worry about providing proof up front when taking out a new policy. Only if a claim arises do we request documentation, if needed.

Being transparent from the start allows us to offer fair quotes and avoid surprises later down the line.

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