Claims Underwriting Exchange (CUE) incorrect entry

Annemos

Re timescales, onstage. Just out of interest: 

My sister and I have put in a motoring claim CUE request and a home claim CUE request on January 13th and 15th. We are both waiting for the final response, too.

DullGreyGuy

onstage said:

my insurer at the time of the, 'incident' put me in touch with Markerstudy who were exceptional, they did a search with my details and found it had gone. They emailed me a copy of our conversation and the result of their search on CUE which I used to persuade the new insurer to check again for themselves, they did and confirmed it had been removed.  

But it was a different company that found it the first time?

This could be a case that the different user is using different search criteria and/or are using a stricter probability score. 

onstage

DullGreyGuy said:

onstage said:

my insurer at the time of the, 'incident' put me in touch with Markerstudy who were exceptional, they did a search with my details and found it had gone. They emailed me a copy of our conversation and the result of their search on CUE which I used to persuade the new insurer to check again for themselves, they did and confirmed it had been removed.  

But it was a different company that found it the first time?

This could be a case that the different user is using different search criteria and/or are using a stricter probability score. 

There was going to be an extra charge for non disclosure or I would have to be removed as a named driver. Failure to do one or the other meant they would cancel the policy. I was in the position of paying the extra or removing my name which to me would mean an admission of guilt of non disclosure, something I was not prepared to do.

It was resolved a day before the policy was due to start.

This is a flaw within the insurance process that needs sorting out!

onstage

DullGreyGuy said:

onstage said:

my insurer at the time of the, 'incident' put me in touch with Markerstudy who were exceptional, they did a search with my details and found it had gone. They emailed me a copy of our conversation and the result of their search on CUE which I used to persuade the new insurer to check again for themselves, they did and confirmed it had been removed.  

But it was a different company that found it the first time?

This could be a case that the different user is using different search criteria and/or are using a stricter probability score. 

Sorry, the post just sent had only part of my reply, see below:

But it was a different company that found it the first time?
This could be a case that the different user is using different search criteria and/or are using a stricter probability score. 

The insurer did the same search both times. Once when it flagged up the entry then a second time after Markerstudy confirmed it had gone. 

DullGreyGuy

onstage said:
This is a flaw within the insurance process that needs sorting out!

Its a limitation that has existed for decades and there doesn't seem any realistic fix for it.

What is much more common is where your insurer is approached about an incident that it said it was your fault and so they register a claim on your policy. Some turn out to be real (son didnt tell mum he'd pranged her car), some are honest mistakes (TP recorded registration wrong), some are cloned number plates, and many we as your insurers never get to know what happened as the TP Insurer just stops responding after we say we aren't liable. 

Lots complain that, other than the first, that this creates a non-fault accident on their record but a claim has been made even if it was erroneous, we may take a different approach if its proven it was vexatious 

MattMattMattUK

DullGreyGuy said:

onstage said:
This is a flaw within the insurance process that needs sorting out!

Its a limitation that has existed for decades and there doesn't seem any realistic fix for it.

What is much more common is where your insurer is approached about an incident that it said it was your fault and so they register a claim on your policy. Some turn out to be real (son didnt tell mum he'd pranged her car), some are honest mistakes (TP recorded registration wrong), some are cloned number plates, and many we as your insurers never get to know what happened as the TP Insurer just stops responding after we say we aren't liable. 

Lots complain that, other than the first, that this creates a non-fault accident on their record but a claim has been made even if it was erroneous, we may take a different approach if its proven it was vexatious 

Out of interest, what is the threshold for vexatious?

DullGreyGuy

MattMattMattUK said:

DullGreyGuy said:

onstage said:
This is a flaw within the insurance process that needs sorting out!

Its a limitation that has existed for decades and there doesn't seem any realistic fix for it.

What is much more common is where your insurer is approached about an incident that it said it was your fault and so they register a claim on your policy. Some turn out to be real (son didnt tell mum he'd pranged her car), some are honest mistakes (TP recorded registration wrong), some are cloned number plates, and many we as your insurers never get to know what happened as the TP Insurer just stops responding after we say we aren't liable. 

Lots complain that, other than the first, that this creates a non-fault accident on their record but a claim has been made even if it was erroneous, we may take a different approach if its proven it was vexatious 

Out of interest, what is the threshold for vexatious?

Ultimately it's discretionary. 

I can only remember 1 case and it was where someone had had three claims registered against them of hitting parked/unattended vehicles in car parks with a "witness" having recorded the registration plate. Despite being different claimants, alleged vehicles being hit etc we ultimately traced that all three had been registered by the same person that turned out to be their neighbour which they had various long running disputes with. So those three were effectively deleted as vexatious 

Annemos

My sister and I both received our CUE extract today, Feb 15th.

(Sister submitted Motor one Jan 13th. I submitted on Jan 15th.) 

Scottman

I'm having an equally frustrating but slightly different experience with an insurance renewal and CUE.

I completed a Go.Compare comparison site questionnaire and received a number of suitable quotes, declaring three claims in the last 5 years - one of mine (no fault) and two of my wife (one fault, one no fault).  I chose the AA and was transferred to their website, whereupon I was asked to review CUE information on FIVE claims in the period.

Two of the 'claims' recorded are the same date and claim as the ones I declared,  but appear separately for no reason that I can discern.

I have read up on all the issues others are facing with CUE but, as things stand, the quoted AA premium has been uplifted significantly - I can only assume because of this misrecording.

The AA will lose my business because I now have other, cheaper quotes including my current insurer.

But I am left wondering about the whole issue here - yes for sure it helps the industry guard against failures by dishonest people to confirm a full claims history,  but on the other hand its a handy way to raise premiums based on equally false data in a system which it is a nightmare to correct.

I feel a letter to the relevant Ombudsman coming on

BarelySentientAI

Scottman said:

I'm having an equally frustrating but slightly different experience with an insurance renewal and CUE.

I completed a Go.Compare comparison site questionnaire and received a number of suitable quotes, declaring three claims in the last 5 years - one of mine (no fault) and two of my wife (one fault, one no fault).  I chose the AA and was transferred to their website, whereupon I was asked to review CUE information on FIVE claims in the period.

Two of the 'claims' recorded are the same date and claim as the ones I declared,  but appear separately for no reason that I can discern.

I have read up on all the issues others are facing with CUE but, as things stand, the quoted AA premium has been uplifted significantly - I can only assume because of this misrecording.

The AA will lose my business because I now have other, cheaper quotes including my current insurer.

But I am left wondering about the whole issue here - yes for sure it helps the industry guard against failures by dishonest people to confirm a full claims history,  but on the other hand its a handy way to raise premiums based on equally false data in a system which it is a nightmare to correct.

I feel a letter to the relevant Ombudsman coming on

Not really a handy way to raise premiums if you easily found cheaper insurance elsewhere.

What do you suggest writing to the Ombudsman about given that you haven't made any complaint about your insurer?