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Counter Fraud/Validation FAQ’s

Why have you requested documentation to validate my policy?

Motor insurers and insurance intermediaries have access to a number of databases, such as the Claims and Underwriting Exchange (CUE), the Motor Insurance Anti-Fraud and Theft Register (MIAFTR), the Electoral Register and other fraud and financial crime prevention records. Information provided as part of your application process is compared to these databases. Where there is a discrepancy between the information held on the databases and the information provided during the application process, you will be asked to provide certain supporting documents. Often there can be a simple reason for the discrepancy, such as a recent change of address and the databases haven’t been updated yet, however we need to raise any queries we find to ensure our records are accurate.

We allow 14 days for these documents to be provided. Failure to do so may result in your policy being cancelled and so it is important that you contact your insurance intermediary urgently if you have any queries or problems meeting this timescale.

What documents do you require?

We may ask for some or all of the following documents:

  1. Full driving licence summary from the DVLA for all drivers. As the DVLA no longer issues a paper counterpart, drivers can obtain their driving licence summary from the DVLA’s online View Driving Licence Service at Further details are given below.
  2. The V5C document for the vehicle on cover. We require all pages of the document or the new keeper slip (if recently purchased) provided it is correctly completed.
  3. Proof of your association to the home or garaging address, such as a utility bill, mortgage statement, bank statement or tenancy agreement. Any such document must be dated within the last 3 months.

N.B we do not accept mobile phone bills, NHS letters or polling cards.

What is the DVLA licence summary and how do I obtain one?

As of 8th June 2015 the paper counterpart to the driving licence is no longer valid and not issued by the DVLA. Instead a new service became available online; it can be accessed via a computer, tablet or smart phone. Drivers can check the most up to date information on their driving record and provide the information to companies such as insurers and vehicle hire companies.

To access your online licence summary you will need to go to the following website

You will be asked to enter the following information

  • Driving licence number (this can be found on the front of your driving licence photocard)
  • National Insurance number
  • Postcode as shown on your licence photocard

Within the record you will have the option to print your summary and/or save the document. This is the document we will require as part of our request and must be provided for all drivers listed on your policy.