National Insurance Hunter - What do they know?

ChumpusRex

I've heard various descriptions of what this company do, such as they are the "4th credit reference agency", the insurance fraud database, claims database, etc.

Anyway, a bit curious as I've had some arguments with insurers in the past, and a couple of recent claims, so I thought I'd find out.

So I wrote with SARs to both National Insurance Hunter and to CUE. The results:

CUE: "We have performed a search as instructed. We hold no data matching the information given."

National Hunter: "We have performed as search. We hold no data referring to you"

Given, that I should have a fairly colourful insurance history, I wondering are there any other databases I should be checking?

TSx

SIRA from Synectics Solutions - DPA info here is another one.

Some insurers don't subscribe to CUE so don't publish claims onto there. There is also a lot of sharing which goes on between companies in the same group (e.g Direct Line and Churchill will share data).

There are also claim investigation companies who hold their own databases - e.g G4S Investigative Services who record data from their various insurance clients in a centralised database. They are likely to only have been given your data where there is a claim made. In fact, any supplier who deals with multiple insurers will likely be able to cross-reference their records for previous claims, e.g loss adjusters, solicitor or repairers.

To be certain of who has information about your previous policies and claims, you need to approach your previous insurers and ask who they shared the information with.

edit: There's also the motor insurance database which would show any previous insurance based on the registration - from there it's a relatively straightforward task for the insurer to ring the companies involved to find out what information they hold about the policy.