Claims and Underwriting Exchange database (Cue)

Lee Griffin

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What’s Cue?

Cue stands for the Claims and Underwriting Exchange (Cue). It’s a huge database of incidents that may or may not have led to an insurance claim.

Most home, travel and car insurance providers submit information to Cue.

Key points

  • Cue stands for the Claims and Underwriting Exchange and it’s a database of incidents reported to insurance companies
  • Cue helps detect fraudulent claims, keeping car insurance prices down
  • Insurers can use Cue to calculate insurance costs, based on claims history

It was created in 1994 as a measure to prevent fraudulent or multiple insurance claims, which helps keep the cost down for honest policyholders.

What information does Cue hold about you?

CUE stores any insurance claims you've made over the past six years, including car accidents, break-ins and thefts from your home, as well as any substantial personal injuries you’ve suffered.

It might also include information about relatively minor incidents, such as a damaged indicator light, that have been reported to insurers.

If you want to know what information Cue has about you, you can request it from the Motor Insurance Bureau (MIB) using its subject access form.

And if you believe Cue is storing incorrect information about you, you should contact the insurer that you believe sent the incorrect data, or the MIB.

How insurers use Cue

Cue was originally set up to help insurers exchange claim information, but the way it’s used has changed.

They used to just check against the database during a claim to make sure that previous information disclosed by the customer was correct. It meant that if something hadn’t been disclosed, then the insurer wouldn’t pay out on the current claim.

But insurers have started using the database when you buy insurance, or even when you get a quote. They do this to work out the right price for your car insurance - as well as factors such as your age, address and car model.

Problems with the Cue database

Insurers could potentially use Cue to calculate renewal premiums based on incidents that you have to report.

These can be quite trivial. If someone walking past your car at night decides to kick your headlight in, it’s considered an incident. Even though it’s quite minor, it’ll probably be added to Cue.

Incidents like this can result in a higher premium or quote regardless of whether you intend to make a claim - not just from your current insurer, but from all those using the database.

Nevertheless, you need to be honest and report all incidents to your insurer. if you don’t, you’re committing non-disclosure - a form of insurance fraud.

How does Cue affect car insurance?

You should always be honest about past claims when you buy car insurance. If you’re not or you forget to disclose something, your insurer might find out if they double check with Cue.

The good news is that it can also keep the cost of insurance down for everyone, as the database helps to reduce fraudulent claims.

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