The Claims and Underwriting Exchange and making a claim

CUE; it sounds a bit like a shady underworld syndicate from a Bond movie. But the Claims and Underwriting Exchange – or CUE, as it’s abbreviated to - is actually not as exciting as it sounds. It’s an insurance database, and you probably couldn’t get any more uninteresting than that. But if you hold a car insurance policy, chances are, there’s information all about you in it – interested now?

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Why does CUE exist?

CUE started life to prevent multiple fraudulent insurance claims. It’s a central point of information where insurance providers can check customers’ claims and insurance history, and means that individuals can’t get away with non-disclosure of key information (you know, just in case that previous claim slipped your mind).

CUE keeps records of any reported incident and not just those that have resulted in claims – whether that’s to do with cars, homes, personal or industrial injuries. It’s estimated that there are more than 32 million records on file and about 13 million of those concern cars.

But CUE isn’t there just to keep record of misdemeanours and unfortunate incidents; it’s a powerful tool in protecting policyholders from anyone who might be tempted to commit fraud. Insurance fraud cost the rest of us £1.32 billion in 2014 and adds about £50 to our annual insurance bill. From an admin perspective, it also means a more efficient service as insurance providers don’t have to go through the detail of every single incident from the dawn of time with you.

How does CUE affect my insurance claim?

If insurance was sold as a game, it’d be described as one all about risk – assessing it and using your judgement about whether something’s risky, riskier or the riskiest – almost sounds fun doesn’t it? So if you’ve reported an incident – let’s say your car was keyed or someone tried to jimmy the window but without too much luck – to an insurance provider this puts your car at greater risk of damage (or theft) than someone who’d never reported any incidents at all.

As a result, when you come to renew your policy, the insurance provider will see that your car’s been on the receiving end of some harsh treatment and being a riskier prospect means that your premium’s likely to be higher as a result – even if you’d not claimed for those particular incidents.


Of course, knowing about CUE makes it tempting to simply not tell your insurance provider about those ‘little incidents’. But nestled deep in your terms and conditions (which you have, of course, read) will be a clause that says you need to disclose all relevant information concerning your car and incidents it’s involved in.

If it’s considered that you haven’t disclosed pertinent information, then your insurance provider may decide that you’ve broken your terms and conditions and as a result, cancel or invalidate your policy.

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The information stored in CUE is only what you’ve disclosed yourself. Details are only shared with subscribers who are mainly insurance providers and local councils and no sensitive details are kept (such as bank details or the cost of your policy). But if you want to know what CUE’s got on you then you can request to see your records – instructions on how to do this can be found at

Having CUE just gives you even more reason to comparethemarket for competitive car insurance prices – and we know they’re out there. We’ve managed to save half of our customers £248**, so why not see how much you could save and start a quote online. 

**Based on Online independent research by Consumer Intelligence during May 2016. 50% of consumers could achieve this saving with Motor Insurance.

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