Question with insurance incident/claim

sheramber

Jas8 said:

sheramber said:

Jas8 said:

And if this is fraud, why are Admiral stating I do not need to declare it on there own insurance sites as it’s an incident and not claim… 

But you said earlier

it. Admiral say oh that it was an incident and needs to be declared

They said this to other insurers but said I do not need to put it down as a claim on there insurance. I called AA insurance and they said they’ll put a note on as an incident and change from claim to an incident. That’s what I don’t understand, if the insurance company whom has marked it as a claim is saying I don’t need to declare it on there insurance why do I have to on others?

Maybe because they know about it. 

cw8825

Jas8 said:

cw8825 said:

Are you sure that single incident is the reason you are 'struggling' to get insurance?

If you look like a good risk to the insurance companies an incident from 3 year ago should not be making that much difference on policy price 

My friend I have a 4L BMW m3, 5L BMW m5 and a 330e… don’t think it’s just that….  

Seems it’s hiking prices up however seems like this incident is, didn’t have insurance issues before this.

i would hazard a guess those cars are a much larger issue on the struggles compared to whether you had an incident/claim at 0 cost.

jingle123

Even if you didn’t go through with the claim, insurers often record the event as an “incident notification”, which can still appear on your record — especially through shared databases like the CUE (Claims and Underwriting Exchange). This is why Admiral may be saying it needs to be declared, even though no claim was made.

That said, you still have a few options:

Request clarification from Admiral

Ask Admiral for a copy of what’s been recorded and confirm whether it was registered as a claim or simply an incident. You can say: “Please confirm exactly what was recorded and why, as no claim was made and no payout occurred.”

Raise a correction request

If the record is inaccurate or misleading, you can. Submit a data correction request directly to the Claims and Underwriting Exchange (CUE). Or, make a formal complaint to Admiral asking them to amend or remove the record if it's unfairly affecting your premiums.

Consider an official complaint

If you're not satisfied, you can escalate to the Financial Ombudsman Service, especially if it’s making it difficult to find insurance. Hopefully with a bit of pressure and a clear explanation, you’ll be able to get it reviewed or corrected.