False information posted on CUE database

recordman

Car_54 said:

sheramber said:

Car_54 said:

OP, first of all, you need to exhaust the insurer's formal complaint process before the Ombudsman will take on the case.

AIUI the insurer has done nothing wrong. There was a claim, it has not yet been settled, and they have correctly recoded it. You said "They will only remove it if there is no response from the third party insurer after a min of 6 months", which seems reasonable. You need to chase them after six months.

If the claim was made in April surely more than 6 months has passed.

I imagine they mean six months from whatever enquiry they’ve made.

Yes, it's 6 months from when my insurer last communicated with the 3rd party's insurer. This has now happened and my insurer has told me that they've removed it from the CUE,

recordman

DullGreyGuy said:

recordman said:

Wonka_2 said:

recordman said:

I did ask for reimbursement and was told 'no'. If I wanted to pursue the matter further I'd have to go to the Ombudsman.

In which case if you're absolutely certain of your non-involvement then go to the ombudsman and settle it that way

This is something that I'll do, but I'm keen to find out if this situation is commonplace and whether anyone here had any experience of taking the matter to the Ombudsman and the outcome.

Happens with every insurer I've worked on Motor for... you'd need to search the Financial Ombudsman database to see the outcome of complaints. Remember many unhappy customers but none that went to the ombudsman after but then we didn't increase premiums for a single non-fault claim and so there was no financial loss to claim back. If you choose to go elsewhere and they do load premiums for non-declared non-fault claims then thats not on us. 

 This ranged from cases where our PH was at the scene but denied being the cause of the accident and cases where our PH could prove their car wasn't even in the country at the time of the incident.

Can't think of concise search term to use on the FOS db and so it will be a lot of leg work

Appreciate your comments, thanks. I did have a look on the FOS db, without success.

Okell

recordman said:

Thanks for your replies.

I did ask for reimbursement and was told 'no'. If I wanted to pursue the matter further I'd have to go to the Ombudsman.

Of course I didn't make the mistake of not declaring it, because as far as I was concerned it didn't exist. One of my complaints against my insurer was that they didn't inform me that the matter would be recorded on a database and the adverse effect it would have on me obtaining a renewal at a price that I'm entitled to.

If you simply asked for a reimbursement now, you didn't ask the right question.

The right question to have asked your new insurer is whether they would reimburse you after the "bogus" claim was cleared on the database.  That's what you need to know before going to the ombudsman.

My understanding is that so long as the claim remains uncleared on the DB then your insurer is perfectly entitled to take account of it in determining your premiums, but they should refund you the extra once it's been sorted out.

I had a similar problem a few years ago when I made a non-fault claim.  Neither the third party nor their insurer disputed from the outset that that they were 100% at fault, but even then it took 6 months for it to be resolved on the database.

While I have some sympathy with you that your previous insurer had not explicitly told you that a claim was being recorded against you, they had told you that a claim had been made against you.  I don't think the fact that you thought the claim was bogus and had tried to rebut it but heard no more about it justified you in not declaring it.  I think at the very least you should have double-checked its status with your old insurer and whether it had yet been finalised