Being right on CUE could put up your insurance

CUE insuranceIf you don’t want to bump up your insurance premiums, don’t ring your insurer for advice. Not many customers have heard about the dreaded Claims and Underwriting Exchange (CUE), but if they have any insurance, their details will be logged.The exchange is the Big Brother of the insurance industry and has millions of files listing anyone who has applied for or taken out an insurance policy.

Basically, all the insurers feed in the day-to-day information they collect about people making inquiries or taking out policies.

This information is then shared and included in the pricing and risk assessment the insurer carries out to work out whether to insure you, and if the risk is right, how much to charge.

If you drop your phone, have lost a laptop or have a dent in the car and wonder if you are covered, resist the temptation to phone your insurer unless it’s absolutely necessary.

Should you make the call, you may well find that your next insurance premium shots up – even though if no claim results from the inquiry, the insurer should log the incident as ‘no payment’ with the exchange.

This means as no pay out was received; the incident should not count on your risk assessment.

However, some insurers do not play by fair rules.

They will not tell you your call is being logged on the database or that they will include the information in your next premium assessment.

Admiral has admitted that they are one of a number of companies who do this.

Insurers will claim the database is to prevent fraud, but customers are more likely to feel that the information is really a stockpile of nuggets and titbits hoarded to push up the price of home and car insurance.

Also, unlike a credit history, although you can view your insurance history, you cannot add explanatory notes to your file.

To find out what insurance companies know about you, pay a tenner to request any records held in your name from

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2 Responses to Being right on CUE could put up your insurance

  1. Dave says:

    You can check your claims history free online if you are with Aviva.

    Go to myAviva, register if you haven’t, click Details, Click on + sign next to Main Driver entry and voila, you have a list of your motoring claims and if they are at fault!

    Claim date Claim type At fault?
    December 2013 Accident Yes, at fault
    June 2014 Accident Yes, at fault
    August 2014 Accident Yes, at fault

    See screenshot at

  2. Alison says:

    I have never heard about CUE until recently when our home insurance came up for renewal and we found that we had 3 incidents recorded. I agree with the comments above, Insurance companies have you over a barrel dammed if you dont and dammed if you do. I would also warn that if you if you phone for legal or home emergency advice although this should not affect home insurance majority of companies do use this as an excuse to hike premiums In our case by £500, 3 calls for advice only no lose and no claims. Also what out for the legal expenses cover some home insurance do not cover any work carried out on your home with regards to consumer disputes, some give a small sum for a contract and other cover all works to your home, we have fallen foul of this with doggy builders even though we phoned up John Lewis premium policy to inform them of the works, we were told of many exclusions whiles works are carried out but they failed to mention the most important one to any householder. they do not cover any work on your home, be warned so in fact a premium policy it is not. My husband and I have spent over 2 weeks looking at all policies for renewal exhausted. Re CUE forget the phone number it is never answered, messages are not answered and any emails sent are ignored, even though they share a web page with MIB they are nothing to do with this agent……complete waste of time for members of the public.

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