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How to check your car insurance claim history

How to check your car insurance claim history

So, you’d like to know about your claim history. How do you go about doing this? Are there any curveballs to watch out for? Here are the facts.

Daniel Hutson
From the Motor team
4
minute read
posted 2 SEPTEMBER 2019

What is a car insurance claim? 

A car insurance claim is when someone contacts an insurance provider for compensation after a road accident. Typically this claim would be for damage caused to a car, or injury to a person – or both. 
 
Claims range from minor incidents, such as a broken wing mirror, to more serious events including written-off vehicles or fatalities. When you buy a new car insurance policy, you’ll have to provide details about any previous claims.  

What different types of claim are there? 

The two main types of car insurance claims are ‘fault’ and 'non-fault'.

  • Non fault – if you're in a car accident and the other driver accepts the blame, and their insurer pays out for any damage, it’s known as a 'non-fault' claim. Be aware that even if you have a 'non-fault' claim, your insurance premiums may increase. 
  • Fault – The claim is not caused by another driver or their actions; or, the driver feels (correctly or not) the claim was unavoidable, meaning that your insurance provider has had to pay out on it. You should expect a claim to be made against you if an accident was your fault.  

Don’t’ confuse a 'fault' claim and being to blame aren't the same thing. Your car could be damaged in a way outside your control, but if your insurer has to pay out, it is still a 'fault' claim.

How can I check my car insurance claim history? 

There are a few ways you can check you claim history. The easiest way may be to ask your existing car insurance provider for details of any claims you’ve made in the past. This information could include: the date of any claims, the type of claims, how much was paid out and any injuries. 
 
You could also contact the Claims and Underwriting Exchange (Cue), which is a database that holds about 34 million records related to car, home, travel and personal injury insurance claims.  
 
This hub – which helps to detect fraudulent claims – stores any incidents that are reported to insurance providers. The information held includes all reported incidents, regardless of whether or not you actually make a claim. Most car, home and travel insurance providers submit information to Cue, which typically stores any insurance claims made over the past six years. 
 
Insurance providers use Cue to calculate the cost of insurance premiums, based on your claims history. So, always be completely accurate and honest about any past claims when you buy car insurance. If you’re not or you forget to disclose something, your insurer might find out if check with Cue. 

Under GDPR regulation you can find out any information that Cue holds on you. Simply visit the Motor Insurers Bureau  website and complete a Subject Access Request form. Finally, if you think that any information that’s being held about you is wrong, you should contact the insurance provider who you think sent the incorrect data, or the MIB. 
 
While you don’t have to make a claim on your car insurance if you’ve had an accident, you must tell your insurance provider about the accident. If you don’t inform them, you could invalidate your policy.

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How does a car insurance claim affect my insurance premium? 

A driver’s car insurance premium is affected after they make a claim. When you make a claim it’ll probably lead to an increase in the cost of your car insurance. You’re likely to lose some, if not all, your No Claims Discount (NCD) that you’d previously accrued.  
 
If you’ve protected your no claims discount, then making a claim shouldn’t affect the number of years which make up your NCD. But your car insurance premium could still go up, as your insurance premium is worked out before your NCD is applied. So, if you’ve had an accident, the cost of your premium could still rise. 

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