Claims Underwriting Exchange Database.

jimbo6977

Concitus1409 said:

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

Interesting point of semantics but I doubt it would wash. 

A bare "claim" file will include an estimate of the potential cost to the insurer (the "reserve"). Even for what might seem obviously non-fault incidents where the insured indicates no intention to claim, this will be >£0 (as required by the insurer's underwriters/reinsurers), to cover potential claims either from the insured or third parties. That's why it's called a "claim" file.

Remember the insured can come back years later to pursue a claim - I have done this myself. Got £400 for a stolen moped, and apologised profusely for the chaos this would have caused the insurer in delving into a years-old file!

What else would you call it?

chrisw

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?

I, and I suspect many others, would reply 'nope'.

dacouch

chrisw 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?

I, and I suspect many others, would reply 'nope'.

Why when asked if you have been asked if you have been involved in an accident would you answer "Nope" when you have been involved in an accident?

chrisw

dacouch said:

chrisw 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?

I, and I suspect many others, would reply 'nope'.

Why when asked if you have been asked if you have been involved in an accident would you answer "Nope" when you have been involved in an accident?

For the exact reason the OP has started this thread.