Claims Underwriting Exchange Database.

Concitus1409

I am stunned to discover that my son’s car insurance premium has been increased by over £100 because he has named me as a driver on it.
I was hit in the rear whilst riding my motorbike last year. No damage to my bike. The other person and 
I agreed not to go through insurance as repairs were minimal. However, being aware it was a notifiable incident, I did the correct thing and reported it to my insurers. This incident got put on to the CUE and now my son has had his new car insurance increased because of it. I have also been informed that the incident was a “no fault, no claim made”.

I have brought my children up to be honest, but sometimes it’s difficult. 

Is there anything I can do about this situation?

huckster

No, if the information held is accurate.
Insurers will calculate the risk based on all of the information.  Having had a no fault incident, the risk is assessed as being higher than it was previously.  Insurers will say that their statistics reveal that one incident often leads to other incidents.  

Concitus1409

I understand your answer, thank you. So actually I’d have been better off not telling them. 

AnotherJoe

Yep, you would.

Concitus1409

That’s what makes the system ridiculous.
Having given this more thought, I’m even more outraged. 
The Police have a term for this, it’s called “victim blaming”. It’s your fault your phone was stolen, you used it in a public place.
i understood that any data held should be complete and accurate and only held for as long as necessary. I have now seen the entry on the CUE and it keeps referring to it as a “claim”. This is inaccurate recording as no claim was made.
I see no legitimate reason for holding this data. Other than to use it as an excuse to hike up premiums.

jimbo6977

Insurers deal in risk.

The risk of an accident this year (fault or non-fault) is higher among people who had an accident last year. 

CUE will refer to a "claim" because a "claim" file was opened by the insurer. Neither the insurer nor CUE have any other way of referring to the incident. 

csgohan4

even claims which are not your fault can be classed as at fault if losses cannot be recoverable from the third party,  it's the nomenclature the insurers use, but any fault whether a claim was made or was your fault or not, may increase your premiums, it's just how the insurers objectify risk

Understandable tbh and they cannot afford to micromanage each customer without hiking premiums for everyone

dacouch

Assuming you had not informed your Insurer and it was not registered on CUE database, how would you answer the question when you apply for Insurance that asks if you have ever been involved in any accidents?

Concitus1409

It’s a breach of GDPR. It’s registered as a claim when no claim was made. Principle 4. Data held must be accurate. By recording information as a claim it is inaccurate. 

Response to jimbo6977

Concitus1409

dacouch said:

Assuming you had not informed your Insurer and it was not registered on CUE database, how would you answer the question when you apply for Insurance that asks if you have ever been involved in any accidents?

Well, as I think I’ve demonstrated, I would be honest. On this occasion the question asked if I had any claims in the last 5 years. As far as I was concerned, information is not a claim. If I’d been asked “have you had an accident in the last five years”, I would have answered accordingly.

dacouch

Concitus1409 said:

dacouch said:

Assuming you had not informed your Insurer and it was not registered on CUE database, how would you answer the question when you apply for Insurance that asks if you have ever been involved in any accidents?

Well, as I think I’ve demonstrated, I would be honest. On this occasion the question asked if I had any claims in the last 5 years. As far as I was concerned, information is not a claim. If I’d been asked “have you had an accident in the last five years”, I would have answered accordingly.

The question virtually all Insurers ask is "Have you had any ACCIDENTS, claims or losses"
As this is an accident / loss you would have had to declare it whether it was on the database or not