Get a car quote with Confused.com
- Save up to £285 on your car insurance*.
- Compare over 100 car insurance providers.
- Enjoy Confused.com rewards.
Your claims history is a record of every car insurance claim you have made on your policy in the past. When you purchase a new car insurance policy, you’ll typically be required to provide details about you and your car, including information about any previous claims. If it has been a while since you made a claim, there are ways to check the details of your claims history.
You have a couple of options for checking your car insurance claims history. The easiest option is to request your claims history directly from your current car insurance provider. Your provider should be able to provide you with key information relating to any claims such as the dates of claims, the types of claims, the settlement amounts or payouts and any injuries claimed as well as any other details. If, for some reason, your insurance provider is unable to provide you with any details relating to your claims history, you have an alternative option.
CUE Check or the Claims and Underwriting Exchange database is a register of all claims made in the UK relating to home, personal injury, travel and motor insurance. It was set up in 1994 to help insurers keep track of claims and to minimise insurance fraud as all incidents are recorded whether they result in a claim or not.
As well as insurance providers being able to access information from this database, you are also able to look at your own claims history. You can obtain your report online or speak to a representative for further details.
Insurance providers look at several factors when calculating your insurance premiums including your claims history. If you’ve ever made a claim on your car insurance, it will be recorded within the CUE database and your insurance provider will be able to use this information to assess how much of a risk you may be and subsequently work out how much your insurance premiums should be. With one central database of claims, it also makes is difficult for people to hide any previous claims from future insurers.
For example, if a driver has made several recent car insurance claims, the insurance provider may decide that the driver is more likely to make a future claim and could set the premiums much higher as a result. However, if a driver has never made any claims, an insurance provider may decide that the driver is much less of a risk and set the insurance premiums much lower.
Being able to check your car insurance claims history may seem like a waste of time but don’t be fooled, being in the know about previous claims could help you take steps to save on your insurance in the future.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.