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Your National Insurance Number

By: Jack Claridge - Updated: 11 Aug 2017 | comments*Discuss
 
National Insurance Number National

During our lives we are required to carry passports, driving licences, National Health Cards and other documentation that is designed to prove our identity to those in positions of authority. But nothing quite characterises this trend more than your National Insurance Card.

What is the National Insurance Number?

The National Insurance number that each of us receives after our sixteenth birthday is designed to be used as a means of making National Insurance contributions to Her Majesty’s Revenue and Customs (HMRC).

Each of us when we start working are obliged to pay National Insurance and Tax in order to fund our state pensions when we reach retirement age and the use of a National Insurance number on all documentation and employer payrolls is the most efficient way of doing this.

When Do I Receive My National Insurance Number?

After you have turned sixteen the process of sending you your National Insurance number is automatic. The new style plastic cards are sent to you via the postal system and you should keep this card safe at all times. If possible memorise your National Insurance number for use on application forms, bank applications and so on.

Be aware that the National Insurance number is not a means of identification but if it falls into the wrong hands it can be used as a means of counting towards proof of identification. It can also be used if someone living in the country illegally wishes to work.

Most recruitment agencies will ask you to provide them with proof of your National Insurance number before they allow you to commence working for them.

What Happens if I Lose My National Insurance Card?

You may apply to Her Majesty’s Revenue and Customs (HMRC) for a replacement card but you can only do this once. If you have lost your card and feel that your National Insurance number may be being used for purposes other than it was designed then you should contact them immediately and report your suspicions.

Should I Report Changes in My Circumstances.

Yes if you marry or divorce or change your current home address you must inform Her Majesty’s Revenue and Customs (HMRC) of these changes. Failure to do so can result in problems paying your National Insurance and likewise claiming state pension as and when you are entitled to. You should keep them up to date with any change in circumstance or address so that they can keep their records up to date also – this also helps reduce the risk of identity theft.

Protecting Your National Insurance Number

As we have already mentioned if at all possible it is worth memorising your National Insurance number for use on important documentation. If you can do this then you should keep your National Insurance number in a safe place – preferably in a safe or fire proof filing cabinet. Do not carry the National Insurance card with you if there is no requirement to do so and never pass it to any organisation for proof of identification because – as we have already mentioned – the National Insurance card is not designed to be proof of identification on its own.

For more information you should contact Her Majesty’s Revenue and Customs (HMRC) – your local office will be listed in Yellow Pages – or visit their website at www.hmrc.gov.uk.

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[Add a Comment]
I would always urge anyone now to report lost NI number. As I lost my card about 20years ago. And have had issues with someone else using it. Obviously resulted in TAX issues but not only that but also received court letters for fines. Then it stopped for a number of years and has again re started with exactly the same court letters HMRC saying I'm owe tax But it is now again being investigated!! It is becoming a joke it's been a nightmare.
Jake584 - 11-Aug-17 @ 4:42 PM
omg - Your Question:
Hi I was out on a night out and lost my purse with my national insurance card ,bank card,provisional driving licence inside and I don't knw whether I need to ring hmrc please help

Our Response:
If you have lost your NI number you should contact HM Revenue and Customs. If you are concerned that you could become vulnerable to identity fraud, you might wish to contact CIFAS, the UK's Fraud Prevention Service, to apply for protective registration. Once you have registered, CIFAS members will carry out extra checks whenever anyone applies for a financial service using your address.
AboutIdentityTheft - 1-Aug-17 @ 11:53 AM
Hi I was out on a night out and lost my purse with my national insurance card ,bank card,provisional driving licence inside and I don't knw whether I need to ring hmrc please help
omg - 31-Jul-17 @ 11:59 AM
My employed has accidentally published my name, national insurance number and date of birth online in a public domain. Am I at rush if identity theft?
Sam - 29-Jul-17 @ 2:00 AM
Bevie - Your Question:
Hi there, my new bf wanted to put me on his car insurance. In order to process the quote he said he needed my NI no, I didn't give it to him and said I didn't want to go on his insurance, as I was very wary and didn't believe my NI had anything to do with car insurance, am I being over paranoid or was I right in not disclosing such personal info?

Our Response:
Car insurance companies may ask for your NI number to access the information through the gov.uk website using an individual's licence number, national insurance number and postcode. This is to clamp down on fraud, so companies to check speeding endorsements and other details, please see link here.
AboutIdentityTheft - 25-Jul-17 @ 2:31 PM
Hi there, my new bf wanted to put me on his car insurance. In order to process the quote he said he needed my NI no, I didn't give it to him and said I didn't want to go on his insurance, as I was very wary and didn't believe my NI had anything to do with car insurance, am I being over paranoid or was I right in not disclosing such personal info?
Bevie - 24-Jul-17 @ 11:05 PM
mima - Your Question:
I applied for my NI number when iwas 18, I got the letter a few weeks later but sudenly I had to travel abroad and I left my letter in england thinking I would come back soon, unfortunately I could not come back and was abcent for over 3 years. Im confused on what to do, I cant find my NI number and I want to apply for a job. Im more afraid if somebody has stole my identity. I cant remember my last adress and I have no letters or proof of where I lived and would like advice on what to do. All I have is my passport to prove my name. I need some advice on what to do quickly. thankyou.

Our Response:
You would have to contact HMRC directly via the link here .
AboutIdentityTheft - 10-Jul-17 @ 2:09 PM
I applied for my NI number when iwas 18, i got the letter a few weeks later but sudenly i had to travel abroad and i left my letter in england thinking i would come back soon, unfortunately i could not come back and was abcent for over 3 years . Im confused on what to do, i cant find my NI number and i want to apply for a job. Im more afraid if somebody has stole my identity. I cant remember my last adress and i have no letters or proof of where i lived and would like advice on what to do. All i have is my passport to prove my name. i need some advice on what to do quickly. thankyou.
mima - 8-Jul-17 @ 12:06 PM
Kwig - Your Question:
Think my NI number has been stolen who can I contact to prevent anything being created in my name for a few months or so ?

Our Response:
You can contact Action Fraud via the link here.
AboutIdentityTheft - 7-Jul-17 @ 11:00 AM
Think my NI number has been stolen who can I contact to prevent anything being created in my name for a few months or so ?
Kwig - 6-Jul-17 @ 5:36 PM
Slim - Your Question:
Hi there,I clicked on a link on Saturday just gone that was supposed to be from the DVLA and asked for all sorts of personal information including my national insurance number could you please tell me what I should do about my n.i.n,thanks Joe.

Our Response:
You may wish to contact DVLA directly to ensure the call is legitimate, please see link here.
AboutIdentityTheft - 16-May-17 @ 12:52 PM
Hi there,I clicked on a link on Saturday just gone that was supposed to be from the DVLA and asked for all sorts of personal information including my national insurance number could you please tell me what I should do about my n.i.n,thanks Joe.
Slim - 15-May-17 @ 9:45 PM
ivan - Your Question:
Good day I am ivan dirda and I would like to cancel the insuran number because I leave to go to the Czech rebublikky I come back to the house spjet and so I want to cancel the thank you may adres

Our Response:
You would have to contact NI via the link here. You cannot cancel anything via this site as we are not part of HMRC.
AboutIdentityTheft - 5-May-17 @ 2:28 PM
Good day I am ivan dirda and I would like to cancel the insuran number because I leave to go to the Czech rebublikky I come back to the house spjet and so I want to cancel the thank you may adres
ivan - 4-May-17 @ 11:27 PM
I work in the travel and tourism industry and over recent months Welcome Break Services have been asking all Tour Managers and Coach Drivers to give / write down their NI Number when we check in.Can somebody at the Gov.uk please tell me if this is legal, as we are not happy about this and I believe it is not legally allowed.I was told never to give out my NI number or to write it down in a public place.Can this be clarified please.Thank you.
Emjay - 1-May-17 @ 9:39 AM
Can someone give me advise for what to do if my national insurance card has been stolen. I know the number but the card is missing. It was in my wallet but I was robbed today. Shall I get another number or not.
H - 22-Apr-17 @ 11:30 PM
I have received a hand delivered letter on 19/04/2017 claiming to be from HMRC Stating i owe just under 5 thousand pounds. I knew straight away it was fake and tried reporting it to HMRC They told me to send letter in and they will try to look into it. I have also contacted the police who told me to contact ActionFraud. They have given me someone else to contact on Monday. I am very worried about this letter as it was not only hand delivered it also contains my correct NI Number. How can someone get it and what can they do with it? Also i just keep getting passed around, who do i need to contact? Thank you
Staffie - 22-Apr-17 @ 1:29 PM
Hi, Iv just applied for a overseas teaching job. The agent is asking for my NI number to make sure I'm not a paedophile, but surely it cannot be used to check that. Of course im more than willing to do the Disclosure (old CRB). Is this a scam?!
ed1 - 12-Apr-17 @ 9:54 AM
I have just received my first state pension payment from DWP. On my bank account statement it is identified using my National Insurance number. I find this very disturbing from a security viewpoint. If I am unfortunate enough to get my bank account hacked, then the hacker will also have my NI number too, which unlike passwords can never be changed. Surely the DWP must understand the ramifications of this? Is there any way of asking them to change what would appear to be a standard procedure please?
Ian - 12-Apr-17 @ 9:24 AM
My daughter owed me some money, & asked me for my bank account number and sort code. She also asked me for my NI number, which I thought a bit strange. Do I have anything to worry about, especially as I know she is short of money?
Vee - 29-Mar-17 @ 12:52 PM
Just had a phone call about a,serps 01925 648873 gave my n-I-n thinking that it was ok to a man, I had seen something on Facebook about finding lost money but it also said lookout for this phone no 01134470166 that's a diferan phone number can someone please check the first number as I.am worried, I've tried ringing but nothing just music
Lufc - 22-Mar-17 @ 5:54 PM
I need advice quickly. The HR dept where I work has just called me to say that when they were processing year end payroll the name for my national insurance number had changed. The name just happens to be the same as my ex husbands partner. I'm still trembling as it was a big shock , I'm 52 years old and have never had any issues like this before. Can't speak to my ex - we parted because of his violence/abuse. Why , how would anyone want to change the name ? I'm really worried , thank you Lorraine
lorraine - 22-Mar-17 @ 4:16 PM
Andy - Your Question:
My father-in-law was talked into giving his NI number to someone over the phone, should this be reported? He is 86 and has no idea of the implications involved.

Our Response:
You don't say who your F-i-L thinks he has given his NI number to. Therefore it makes it difficult to advise.
AboutIdentityTheft - 22-Mar-17 @ 11:59 AM
My father-in-law was talked into giving his NI number to someone over the phone, should this be reported? He is 86 and has no idea of the implications involved.
Andy - 21-Mar-17 @ 7:06 PM
Same here tax office told me my tax is underpaid £2000. They say I was working for two employers at same time. I work for same company from last 4 years,never work for anyone else,never heard of the second company "A.D.S. construction Ltd"they called. Now they say its under investigation any one knows how long does this "investigation" take. I don't know what to do. Paying very high tax at the moment as my tax code has been changed. Really annoyed
Su - 7-Mar-17 @ 5:56 PM
Curtis - Your Question:
An ex of mine worked for HMRC several years back and bragged that they'd taken home a few NI numbers but said they were going to destroy them. Since then we have split up and I've bagged up their belongings and discovered these names and numbers along with another of their ex's bank statement, wage slip and credit rating! Is there someone I can contact about this such as HMRC and is there a number I can call and/or email address?I certainly don't want these in my possession and very concerned about the acts of this person and if they have taken any identity from me.

Our Response:
You can report this via Action Fraud, please see link here.
AboutIdentityTheft - 2-Mar-17 @ 12:27 PM
An ex of mine worked for HMRC several years back and bragged that they'd taken home a few NI numbers but said they were going to destroy them. Since then we have split up and I've bagged up their belongings and discovered these names and numbers along with another of their ex's bank statement, wage slip and credit rating! Is there someone I can contact about this such as HMRC and is there a number I can call and/or email address? I certainly don't want these in my possession and very concerned about the acts of this person and if they have taken any identity from me.
Curtis - 1-Mar-17 @ 2:16 PM
My entire life has been stolen inclusive of a sneaky identity theft in the millenium....as a result of this someone tried to kill me and my children when it came out that some pedophile ring had covered there tracks on historical abuse and they have targeted my family there high in the system the authorities is the main concern . so now i had no money since my twin daughters where kidnapped they wiped my accounts the next day....so im assuming the benefit people are responsible for the gross humain trafficking on my familly then right? who else was paying us benefits on a dodgy national insurance number for as long as 13 years then ? im having stalking harassment and all my phones are hacked and my web sites for my new business being modified via any library and there doing this out the back to try cover there selves.
lifestolen - 28-Feb-17 @ 11:32 AM
Hi, I use to work in uk in 2012/2013. I have NINo but from the end of 2013 I am in Bulgaria and I haven't work in uk.I am wondering is it everything alright with my Nin? Is it there something that I need to worry about?Because I don't know how to check.
Lucy - 27-Feb-17 @ 8:10 PM
Hello, I want to ask, my Nino arrived, but I got just a letter with a specific Nino, but I don't have any Nino card. And my agency wants from me to sent this Nino paper to them. Is that okay? And will the Nino card arrive later or should I do something about that?
Marcc - 26-Feb-17 @ 11:58 AM
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Latest Comments
  • Jake584
    Re: Your National Insurance Number
    I would always urge anyone now to report lost NI number. As I lost my card about 20years ago. And have had issues with someone…
    11 August 2017
  • AboutIdentityTheft
    Re: Your National Insurance Number
    omg - Your Question:Hi I was out on a night out and lost my purse with my national insurance card ,bank card,provisional driving…
    1 August 2017
  • omg
    Re: Your National Insurance Number
    Hi I was out on a night out and lost my purse with my national insurance card ,bank card,provisional driving licence inside and…
    31 July 2017
  • Sam
    Re: Your National Insurance Number
    My employed has accidentally published my name, national insurance number and date of birth online in a public domain. Am I at…
    29 July 2017
  • AboutIdentityTheft
    Re: Your National Insurance Number
    Bevie - Your Question:Hi there, my new bf wanted to put me on his car insurance. In order to process the quote he said he needed…
    25 July 2017
  • Bevie
    Re: Your National Insurance Number
    Hi there, my new bf wanted to put me on his car insurance. In order to process the quote he said he needed my NI no, I didn't…
    24 July 2017
  • AboutIdentityTheft
    Re: The National Identity Service
    Ed - Your Question:Who do I contact if I think I'm a victim of national insurance number idententy fraid
    13 July 2017
  • AboutIdentityTheft
    Re: Your National Insurance Number
    mima - Your Question:I applied for my NI number when iwas 18, I got the letter a few weeks later but sudenly I had to travel…
    10 July 2017
  • mima
    Re: Your National Insurance Number
    I applied for my NI number when iwas 18, i got the letter a few weeks later but sudenly i had to travel abroad and i left my…
    8 July 2017
  • AboutIdentityTheft
    Re: Your National Insurance Number
    Kwig - Your Question:Think my NI number has been stolen who can I contact to prevent anything being created in my name for a few…
    7 July 2017
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