Letter of Experience

Have You Got Yours?

cars-in-traffic-jamAt Chill we realise you don't want to spend all day going over forms or even worse, resubmitting them! So we’ve made sorting one of them easy. Your letter of driving experience could help you save money on your car insurance, so it’s an important thing to have.


When insurers calculate your premium one of the factors they consider is your insurance history. A letter of experience lets them see any previous claims you've made, accidents, cancellations and the length of time you've been insured. Your driving experience must be up to date and generally no more than 14 days old.

How do I get a letter of experience?

All of your previous insurers will be able to provide a letter of experience. They should be able to do this fairly quickly, but remember you'll need to produce a letter of experience from each insurer you've been with for the duration of your driving history. For instance, if you've been insured for three years with different three insurers you'll need three letters of experience.


A letter of experience is a requirement of many insurers as it helps them work out your risk and confirms the information you've submitted is correct. It's worth pointing out that a letter of experience is different to a certificate of insurance as it clearly shows insurers what claims have happened, whereas a certificate of insurance shows who the named driver is.

What else do I need to know?

There's a few things to bear in mind. The letter of experience you send in must be concurrent with no gaps in your driving history. If there are gaps in your experience this will increase the time it takes for you to get insured. It's also worth remembering that you can't protect your driving experience like you can a no claims bonus. If you have a claim your driving experience goes back to zero.