Home insurance claim for informtion purposes

MarcoM

Hello,

I rang my insurers to ask about claiming for drain issues. The home emergency callout had not been able to clear the blockage so I rang the main insurers.
In the end I decided to not claim as the cover maximum amount was quite low so I decided to sort it at my end. However the insurers call handler told me that he has logged the incident as a claim on an information only basis. I asked if I need to disclose this when taking out new insurance and he said I don't however I am concerned as the word claim is listed somewhere on their systems.

Does anyone have experience of this? Should I worried about this claim actually being logged on the central insurers database? 

Thanks

DullGreyGuy

Insurers ask about any loss irrespective of if you claimed for it or not... as you say your insurers have now logged it and so it would be risky to "forget" to mention it going forward.

MarcoM

Thank you for replying.
The issue is I have not actually incurred a loss either as the problem has not cost me anything so I can see this being a very grey area....

eddddy

There's a central Database called CUE, which all insurance companies will have access to.

It sounds like your insurer might have recorded your 'incident' on that database....

Claims and Underwriting Exchange (CUE)

CUE is a central database of motor, home and personal injury/industrial illness incidents reported to insurance companies which may or may not have given rise to a claim.

Link: https://www.mib.org.uk/managing-insurance-data/mib-managed-services/cue/

So other insurance companies will be able to see the incident.

Here's a news article about somebody whose home insurance premium doubled, when their new insurer found out about some previous 'incidents' they had discussed with their previous insurer.   https://www.theguardian.com/money/2013/sep/30/insurance-query-higher-premiums

(The article is 11 years old. I don't know if insurers have softened or hardened their attitudes since then.)

cw8825

Ultimately you have suffered a loss. It’s just not one you have decided to claim for
they are correct to log it

MarcoM

eddddy said:

There's a central Database called CUE, which all insurance companies will have access to.

It sounds like your insurer might have recorded your 'incident' on that database....

Claims and Underwriting Exchange (CUE)

CUE is a central database of motor, home and personal injury/industrial illness incidents reported to insurance companies which may or may not have given rise to a claim.

Link: https://www.mib.org.uk/managing-insurance-data/mib-managed-services/cue/

So other insurance companies will be able to see the incident.

Here's a news article about somebody whose home insurance premium doubled, when their new insurer found out about some previous 'incidents' they had discussed with their previous insurer.   https://www.theguardian.com/money/2013/sep/30/insurance-query-higher-premiums

(The article is 11 years old. I don't know if insurers have softened or hardened their attitudes since then.)

I think the semantics is important though, the question when taking new policies is have you made any claim. This is not the same as have you reported an incident,

cw8825

MarcoM said:

eddddy said:

There's a central Database called CUE, which all insurance companies will have access to.

It sounds like your insurer might have recorded your 'incident' on that database....

Claims and Underwriting Exchange (CUE)

CUE is a central database of motor, home and personal injury/industrial illness incidents reported to insurance companies which may or may not have given rise to a claim.

Link: https://www.mib.org.uk/managing-insurance-data/mib-managed-services/cue/

So other insurance companies will be able to see the incident.

Here's a news article about somebody whose home insurance premium doubled, when their new insurer found out about some previous 'incidents' they had discussed with their previous insurer.   https://www.theguardian.com/money/2013/sep/30/insurance-query-higher-premiums

(The article is 11 years old. I don't know if insurers have softened or hardened their attitudes since then.)

I think the semantics is important though, the question when taking new policies is have you made any claim. This is not the same as have you reported an incident,

Money supermarket question is
“Have you made any home insurance claims or suffered any losses in the last 5 years?”

” Wondering what counts?

Please let us know about any claims you've made from damage to property, items being stolen or injury to other people. You should include these incidents whether or not you made a claim, and whether or not you were paid for that claim. Examples of incidents that insurers need to know about are any claims, burglary, vandalism, fire, water or storm damage.

most of the insurers will ask with similar wording

There is no denying a loss has been suffered but has not been claimed for

the discussion about whether those losses not claimed for should be taken into consideration for the premium is a separate issue 

OP should only answer no if asked havebthey claimed from a policy. 

it is down to the OP to answer truthfully. 

user1977

MarcoM said:

eddddy said:

There's a central Database called CUE, which all insurance companies will have access to.

It sounds like your insurer might have recorded your 'incident' on that database....

Claims and Underwriting Exchange (CUE)

CUE is a central database of motor, home and personal injury/industrial illness incidents reported to insurance companies which may or may not have given rise to a claim.

Link: https://www.mib.org.uk/managing-insurance-data/mib-managed-services/cue/

So other insurance companies will be able to see the incident.

Here's a news article about somebody whose home insurance premium doubled, when their new insurer found out about some previous 'incidents' they had discussed with their previous insurer.   https://www.theguardian.com/money/2013/sep/30/insurance-query-higher-premiums

(The article is 11 years old. I don't know if insurers have softened or hardened their attitudes since then.)

the question when taking new policies is have you made any claim. 

You might want to have another look at the question.

As an example from Direct Line:

Tell us how many claims were made and/or losses suffered in the last 3 years by you and anyone living with you?

Marvel1

eddddy said:

There's a central Database called CUE, which all insurance companies will have access to.

It sounds like your insurer might have recorded your 'incident' on that database....

Claims and Underwriting Exchange (CUE)

CUE is a central database of motor, home and personal injury/industrial illness incidents reported to insurance companies which may or may not have given rise to a claim.

Link: https://www.mib.org.uk/managing-insurance-data/mib-managed-services/cue/

So other insurance companies will be able to see the incident.

Here's a news article about somebody whose home insurance premium doubled, when their new insurer found out about some previous 'incidents' they had discussed with their previous insurer.   https://www.theguardian.com/money/2013/sep/30/insurance-query-higher-premiums

(The article is 11 years old. I don't know if insurers have softened or hardened their attitudes since then.)

From the articale, is this true still?
For £10 you can request records held in your name on the insurance databases.

Marvel1

cw8825 said:

MarcoM said:

eddddy said:

There's a central Database called CUE, which all insurance companies will have access to.

It sounds like your insurer might have recorded your 'incident' on that database....

Claims and Underwriting Exchange (CUE)

CUE is a central database of motor, home and personal injury/industrial illness incidents reported to insurance companies which may or may not have given rise to a claim.

Link: https://www.mib.org.uk/managing-insurance-data/mib-managed-services/cue/

So other insurance companies will be able to see the incident.

Here's a news article about somebody whose home insurance premium doubled, when their new insurer found out about some previous 'incidents' they had discussed with their previous insurer.   https://www.theguardian.com/money/2013/sep/30/insurance-query-higher-premiums

(The article is 11 years old. I don't know if insurers have softened or hardened their attitudes since then.)

I think the semantics is important though, the question when taking new policies is have you made any claim. This is not the same as have you reported an incident,

Money supermarket question is
“Have you made any home insurance claims or suffered any losses in the last 5 years?”

” Wondering what counts?

Please let us know about any claims you've made from damage to property, items being stolen or injury to other people. You should include these incidents whether or not you made a claim, and whether or not you were paid for that claim. Examples of incidents that insurers need to know about are any claims, burglary, vandalism, fire, water or storm damage.

most of the insurers will ask with similar wording

There is no denying a loss has been suffered but has not been claimed for

the discussion about whether those losses not claimed for should be taken into consideration for the premium is a separate issue 

OP should only answer no if asked havebthey claimed from a policy. 

it is down to the OP to answer truthfully. 

It's something I now have to declare for the next 5 years, I put in a claim unsure would it or not - no ok as it as the orignal issue was before the new insurer.  No loss either as I haven't paid anything as 2 differents trades people said the issue was not my side.  Suppose my loss is going to be paying more, so I have to declare it.

DullGreyGuy

Marvel1 said:

eddddy said:

There's a central Database called CUE, which all insurance companies will have access to.

It sounds like your insurer might have recorded your 'incident' on that database....

Claims and Underwriting Exchange (CUE)

CUE is a central database of motor, home and personal injury/industrial illness incidents reported to insurance companies which may or may not have given rise to a claim.

Link: https://www.mib.org.uk/managing-insurance-data/mib-managed-services/cue/

So other insurance companies will be able to see the incident.

Here's a news article about somebody whose home insurance premium doubled, when their new insurer found out about some previous 'incidents' they had discussed with their previous insurer.   https://www.theguardian.com/money/2013/sep/30/insurance-query-higher-premiums

(The article is 11 years old. I don't know if insurers have softened or hardened their attitudes since then.)

From the articale, is this true still?
For £10 you can request records held in your name on the insurance databases.

Yes and no... you can still request your records but when we moved to GDPR the maximum £10 for a standard DSAR was removed. Fees can only be charged now in exceptional circumstances of which a CUE search will not be.