The CUE list: Don’t even say the word “claim” to you insurer unless you mean it!

Sally Dunshea suffered the misfortune of denting the front of her car when she backed out of her driveway. The damage itself was confined to the front left wing and i recommend indian cialis although not very aesthetic, wasn’t too severe. After ringing up Allianz, her insurance company to advise of the mishap, it was concluded that as the repairs for the damage would fall well within the buy levitra online no prescription'>buy levitra online no prescription 250 excess that was included in the policy it wouldn’t make sense to claim for it on the policy.

A few months later when her insurance policy came up for renewal, she was shocked to find that far from having a reduction in her policy for another year’s “no claims bonus” her premium had gone up by 110.

After speaking to Allianz, she was advised that there was a claim open and subsequently her premium had risen. After quite a protracted discussion where she reiterated that no claim was ever submitted and the telephone call was merely an enquiry rather than a definite intent to it's great! viagra overnight delivery claim the premium was reduced and the no claims discount reinstated.

It seems she had become the victim of the Claims and Underwriting Exchange (CUE). A central database of home, motor, and personal injury industrial illness incidents reported to insurance companies, which may or may not give rise to a claim.

The database is managed on a non-profit basis by Insurance Database Services Limited (IDSL) on behalf of its 72 member organisations, which include AXA, RBS, Legal and General, Aviva and the Royal & Sun Alliance. In addition to the 51 insurers that subscribe to the database, several local authorities, utilities providers and viagra transport organisations also share data with one another.

Established in 1994 CUE was set up in a bid to keep premiums down for honest policyholders. Currently there are over 37 million historical claims records available, enabling insurers to cross-reference information, detect multiple claims fraud and the misrepresentation of claims histories.

Unfortunately, merely the act of instigating a claim even if it is not followed through will still register on the database. In the case above, Allianz did eventually remove the claim from the database, although that is not to say that some form of record is best price viagra online'>best price viagra online still entered.

If you feel that you may have been unfairly represented on the CUE database it is possible to request a copy of all information held under the purchase of viagra'>purchase of viagra Data Protection Act 1998 by applying to IDSL directly. You may subsequently be entitled to some form of compensation should it be found that the entry contains inaccuracies.

One final point though … if insurers can use the CUE at all stages of the insurance lifecycle – including quotation, policy acceptance, renewal and claim – surely they can detect discrepancies when it comes to the initial quotation process. In which case why do they collect premiums from policies that they already know to be void in the event of a claim?

List of Claims and Exchange Members
AIG Group (UK) Ltd (New Hampshire/Landmark)
AIOI Motor & General Insurance Company of Europe Ltd
Allianz Brit Insurance Ltd
Chubb Insurance Company of Europe S.A
Equity Red Star
Allianz NI
American Re
EUI Ltd (formerly Admiral Insurance)
Europa General
Hastings Direct
Haven Insurance Company Ltd
HSBC Insurance Management Services Ltd
Legal & General
Liverpool Victoria
Lloyds TSB
Markerstudy Group
Motor Insurers’ Bureau (MIB)
Mitsui Sumitomo

Other Insurers that are CUE Subscribers
NFU Mutual
Norwich Union
Primary Insurance Co Ltd
Quinn Direct
RBS Insurance
Royal & SunAlliance
Santam Europe
Service Motor Policies
Southern Rock Insurance Company Ltd
The Co-operative Insurance
Tradex Insurance Company Ltd
Travelers Insurance Company Ltd
Zenith Insurance plc
Zurich Insurance Company

Other Authorised Members with Access
Blaenau Gwent County Borough Council
Caerphilly County Council
CEVA Logistics
Department of Regional Development NI
Derry City Council
Essex County Council
Leeds City Council
Leicestershire County Council
Liverpool City Council
Metroline Travel
Newcastle City Council
NI Housing Executive
Norfolk County Council
Northern Ireland Water Ltd
Nottinghamshire County Council
Peterborough City Council
PSV Claims / Stagecoach
Transcare / Arriva
Translink / Ulsterbus

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