The Claims and Underwriting Exchange and home insurance claims

If you haven’t made a claim on your home insurance, you’d expect your renewal price to be roughly the same. But occasionally, your renewal price may be so much higher that your wallet shrivels up in fear and anticipation. So if you’ve not claimed, what could possibly have affected your premium price? Cue, well, CUE – or the Claims and Underwriting Exchange – a nifty little insurance database filled with every home owner's dark little secrets.

Who is CUE?

The Claims and Underwriting Exchange (CUE) is a central database that contains all the details of incidents that have been reported to insurance companies. It’s not just home insurance, it’s car, personal and industrial incidents too. At the last count, there were 32 million records in CUE – around 11 million of which relate to household incidents.

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What does CUE do and why does it exist?

CUE isn’t just about recording claims requests. It’s a giant encyclopaedia of all incidents that have been reported to an insurance company – regardless of whether a claim was made in relation to that incident or not. The incidents recorded could be minor – from someone smashing your greenhouse window to fiddling with the locks on your garden shed.

How does CUE have so many incidents on record? Well – in many standard terms and conditions of insurance policies, it’ll state that you have to disclose any incidents that happen to your property – no matter how minor and whether or not you decide to claim for it; all those incidents get logged in CUE. Failing to disclose any relevant incidents to your insurance provider means that your policy could be invalidated.

CUE’s main purpose is to prevent fraudulent claims by detailing incidents and information about the policyholder. Having a central database means that insurance providers have a single point of reference that they can check if they suspect there is something fishy going on. This is good news for the rest of us because if fraudulent claims are stamped out, the less we’ll have to pay in premiums to cover the cost of fraudulent claims. So before you judge CUE and think it’s all a bit big brother, the ABI believe that the 130,000 fraudulent claims that are made annually add an average of £50 to your annual insurance bill.

How does CUE affect my insurance claim?

Insurance is all about risk and how likely it is that you’ll make a claim. So let’s say someone did smash that greenhouse window – even if your lawn mower wasn’t taken and you didn’t claim, that incident could see your premiums increase at renewal. Because as far as your insurance provider’s concerned, the fact that someone smashed the greenhouse window could mean that another incident is likely to occur – and one that you might make a claim for.

Information on CUE is accessible to members who have subscribed to the database – predominantly insurance providers and local councils. The details held only record information that policyholders have given and no sensitive information such as the cost of premiums or banking information is stored or disclosed. If you want to find out what information is held about you, you’ll need to pay a fee (currently £10) and make a request in writing – visit: for more information.

Finding a policy

Of course the best way to ensure you get a good deal, is to comparethemarket and whilst we all love a good deal, when it comes to insurance, a good deal is about getting the most robust cover you can get the meets your needs– not the cheapest. Cue a new quote?

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