Tried to renew insurance, apparently I've had a claim!
Discussion
Just tried to renew my insurance, but website said there was an issue and I needed to phone up etc. Speaking to the sales rep, he tells me there's a mismatch between the info I provided, and what they can see attached to me.
Apparently there was an incident back in May this year, which has details of my full name and number plate, and an insurance company is mentioned that I haven't heard of and I'm not insured with.
I've 100% not been in any incident, and checked my google timeline, on that day I didn't leave the house apart from a walk to the shops.
Obviously the first piece of advice would be to call my current insurers, but they're closed until Monday leaving me with a whole weekend to worry about it!
Has this happened to anyone before? My concern is the worst case scenario where my insurers might've paid out for a claim someone made, but isn't it weird that I wasn't notified about it whatsoever, especially as I definitely wasn't involved?
Any advice welcome!
Apparently there was an incident back in May this year, which has details of my full name and number plate, and an insurance company is mentioned that I haven't heard of and I'm not insured with.
I've 100% not been in any incident, and checked my google timeline, on that day I didn't leave the house apart from a walk to the shops.
Obviously the first piece of advice would be to call my current insurers, but they're closed until Monday leaving me with a whole weekend to worry about it!
Has this happened to anyone before? My concern is the worst case scenario where my insurers might've paid out for a claim someone made, but isn't it weird that I wasn't notified about it whatsoever, especially as I definitely wasn't involved?
Any advice welcome!
BertBert said:
chrispwill said:
Any advice welcome!
Have a drink, chill, wait until Monday.This happened to me but I got a call from my insurers telling me about the claim asking why I hadn't informed them. It could also be that your insurer proved it wasn't you but the spurious claim will stay on your record despite it having nothing to do with you.
I had something similar a few years ago when I was trying to take out a new policy.
I was directed to phone them as you were. The sales person was adamant I was missing out an ‘incident’ he could see on his information. I wasn’t. He wouldn’t give me the information he could see. Anyway, I gave up and went to the next result on the meerkats.
whatever incident he thought he could see has never been seen or disputed by anyone else and I change every year. Still have all my no claims certificate stretching way back beyond that point. At a blind stab in the dark I think it was admiral.
Can’t say I’ve thought about it again until reading this. Yours seems a bit different though as he’s given you some details.
I was directed to phone them as you were. The sales person was adamant I was missing out an ‘incident’ he could see on his information. I wasn’t. He wouldn’t give me the information he could see. Anyway, I gave up and went to the next result on the meerkats.
whatever incident he thought he could see has never been seen or disputed by anyone else and I change every year. Still have all my no claims certificate stretching way back beyond that point. At a blind stab in the dark I think it was admiral.
Can’t say I’ve thought about it again until reading this. Yours seems a bit different though as he’s given you some details.
Edited by Flumpo on Saturday 15th August 00:27
Not exactly the same but an example of wrong info..
Few years ago I renewed insurance and got the paperwork through. Reading through it I spotted errors in details of 3 claims.
One was from when my car was a hit and run by a drunk driver that was traced and insurer got money back off him. Details ok and my excess sorted.
Second was a near neighbour smashed the wing mirror. Date was wrong and the value was £1000+ . Actual should have been zero as I got a cheque for a new mirror off the neighbour so no actual claim, just notification to the insurer.
Third was when a postman reversed his van into my parked car. PO dealt with everything, no hassle, just wrong date and cost logged.
The person spoken to when I queried the errors was unconcerned but I insisted things were corrected. He did that. I then asked for a quote check and it was a bit cheaper.
ALWAYS check the details when received and get it sorted. It can save problems later on.
Few years ago I renewed insurance and got the paperwork through. Reading through it I spotted errors in details of 3 claims.
One was from when my car was a hit and run by a drunk driver that was traced and insurer got money back off him. Details ok and my excess sorted.
Second was a near neighbour smashed the wing mirror. Date was wrong and the value was £1000+ . Actual should have been zero as I got a cheque for a new mirror off the neighbour so no actual claim, just notification to the insurer.
Third was when a postman reversed his van into my parked car. PO dealt with everything, no hassle, just wrong date and cost logged.
The person spoken to when I queried the errors was unconcerned but I insisted things were corrected. He did that. I then asked for a quote check and it was a bit cheaper.
ALWAYS check the details when received and get it sorted. It can save problems later on.
Information frequently gets incorrectly logged on the insurers central claims (CUE) database.
It requires a fair amount of effort to get it corrected.
I had this happen three years ago.
My wife had a fault claim on a policy where she is the insured and main driver, but I am a named driver.
I reported the accident for her - she is profoundly deaf and cannot use the phone.
The database then showed the accident as my fault, and I got a stinking letter from the Halifax 7 days after taking out a new policy some seven months later.
It took six months and three letters from my broker to the CUE database to finally get the error corrected.
Going back to this case, I would suspect the Op's plates have been cloned.
It requires a fair amount of effort to get it corrected.
I had this happen three years ago.
My wife had a fault claim on a policy where she is the insured and main driver, but I am a named driver.
I reported the accident for her - she is profoundly deaf and cannot use the phone.
The database then showed the accident as my fault, and I got a stinking letter from the Halifax 7 days after taking out a new policy some seven months later.
It took six months and three letters from my broker to the CUE database to finally get the error corrected.
Going back to this case, I would suspect the Op's plates have been cloned.
QBee said:
Information frequently gets incorrectly logged on the insurers central claims (CUE) database.
It requires a fair amount of effort to get it corrected.
Going back to this case, I would suspect the Op's plates have been cloned.
I was thinking this but then how did the fraudster know the insurance company and get through the presumable security checks on forms to file for an accident?It requires a fair amount of effort to get it corrected.
Going back to this case, I would suspect the Op's plates have been cloned.
If that has happened, then it has to be someone who knows the OP very well (possible of course, family and friends etc)
OP if you know it wasn't you it should be easy (well, easy-ish) to prove any signatures on forms are not yours, unless this was your brother and he has been knowing and practising your signature for decades
This can happen in at least 3 ways
1 Cloned plates - accident reported by the third party insurers or accident management company
2 Wrong registration taken at scene then reported as above . Usually easy to sort as car involved will be a different model or colour , or driver clearly different age/sex
3 Error on CLUE database
When you call the insurers note name of person and time of call and record call if possible . This could be a case of 1) they have an actual claim on your existing policy caused by 1 or 2 above or 2) they have checked CLUE as part of renewal process and found a match for you.
Its important to get the facts right and thanks to GDPR they are not always helpful. Be persistant. Remind them they are making a serious allegation and that the Financial Ombudsman takes a firm line on insurers failing to correct errors that can have a very serious effect on the validity of a future insurance policy
Good luck - I hope you get it sorted . Getting the insurers to confirm in writing to you that the CLUE database has been corrected, if its something they have done incorrectly, is essential and for obvious reasons should be retained just in case.
You may be informed that company XYZ has put the information on CLUE - in that case write to them by recorded delivery and ask for a reply in writing.
1 Cloned plates - accident reported by the third party insurers or accident management company
2 Wrong registration taken at scene then reported as above . Usually easy to sort as car involved will be a different model or colour , or driver clearly different age/sex
3 Error on CLUE database
When you call the insurers note name of person and time of call and record call if possible . This could be a case of 1) they have an actual claim on your existing policy caused by 1 or 2 above or 2) they have checked CLUE as part of renewal process and found a match for you.
Its important to get the facts right and thanks to GDPR they are not always helpful. Be persistant. Remind them they are making a serious allegation and that the Financial Ombudsman takes a firm line on insurers failing to correct errors that can have a very serious effect on the validity of a future insurance policy
Good luck - I hope you get it sorted . Getting the insurers to confirm in writing to you that the CLUE database has been corrected, if its something they have done incorrectly, is essential and for obvious reasons should be retained just in case.
You may be informed that company XYZ has put the information on CLUE - in that case write to them by recorded delivery and ask for a reply in writing.
t about you".jondude said:
QBee said:
Information frequently gets incorrectly logged on the insurers central claims (CUE) database.
It requires a fair amount of effort to get it corrected.
Going back to this case, I would suspect the Op's plates have been cloned.
I was thinking this but then how did the fraudster know the insurance company and get through the presumable security checks on forms to file for an accident?It requires a fair amount of effort to get it corrected.
Going back to this case, I would suspect the Op's plates have been cloned.
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