Odd insurance/driver record issue
Discussion
Hi all,
Having an odd insurance issue and wondering if anyone could answer a question for me.
My father was sorting out an insurance policy for my sister. Her as main driver, her boyfriend and I as named drivers. Gets a good quote, goes to take it and they flag up an issue with me. He had put down that I have never had a claim (which is true). However, they stated that I had a claim from 2007 that was settled with me at fault last year. As a result they increased the quote.
After some initial confusion I realised the dates matched up with a minor accident I was a passenger in a while ago and gave police statements for. It appears that this insurance company belive that I claimed for this when in fact I was merely a passenger.
Initially they said for me to ring the DVLA, however the DVLA (when I finally got through!) said that they don't hold information like that for drivers, only endorsements etc. So I rang back the insurance company and they said that they can't do anything.
I have had no issue taking out insurance for myself in the last few years so I am at a loss to see where this incorrect record is stored. Who holds records of driver claims? Is it an individual insurance company thing or there a central database (DVLA?)?
I want to get this sorted as I don't want a load of hassle if I have a bump at any time and they try and get out of it by saying I gave false details.
Anybody have any suggestions?
Having an odd insurance issue and wondering if anyone could answer a question for me.
My father was sorting out an insurance policy for my sister. Her as main driver, her boyfriend and I as named drivers. Gets a good quote, goes to take it and they flag up an issue with me. He had put down that I have never had a claim (which is true). However, they stated that I had a claim from 2007 that was settled with me at fault last year. As a result they increased the quote.
After some initial confusion I realised the dates matched up with a minor accident I was a passenger in a while ago and gave police statements for. It appears that this insurance company belive that I claimed for this when in fact I was merely a passenger.
Initially they said for me to ring the DVLA, however the DVLA (when I finally got through!) said that they don't hold information like that for drivers, only endorsements etc. So I rang back the insurance company and they said that they can't do anything.
I have had no issue taking out insurance for myself in the last few years so I am at a loss to see where this incorrect record is stored. Who holds records of driver claims? Is it an individual insurance company thing or there a central database (DVLA?)?
I want to get this sorted as I don't want a load of hassle if I have a bump at any time and they try and get out of it by saying I gave false details.
Anybody have any suggestions?
Covered by Data Protect Act. Write to Insurance company, requesting a copy of the data they hold on you. Once you've got it write back to them if it is wrong, what is wrong etc. This should also tell you where they get the information from, so you can write to them as well etc etc.
A bit of a long winded situation, but probably the only way you can get your records / data straight on insurance databases.
A bit of a long winded situation, but probably the only way you can get your records / data straight on insurance databases.
Data probably held on the Motor Insurance database - speak to the MIB http://www.mib.org.uk/Motor+Insurance+Database/en/...
Insurers use what is called 'Q checking' which stores details of all previous claim details - sounds like a admin error to me by the previous insurer.
Insurers use what is called 'Q checking' which stores details of all previous claim details - sounds like a admin error to me by the previous insurer.
Claims Data is held on CUE.
Access info here http://www.cueuk.org/default.aspx
Did you go to hospital or use an ambulance ? It is possible that there is a record on CUE-PI for the NHS charges. Or maybe it is a partial match.
Although it would be fairly unusual for an insurer to check CUE-PI at quote/buy stage, which is why you may not have hit this before.
Might be worth asking the insurer what the CUE details are.
Access info here http://www.cueuk.org/default.aspx
Did you go to hospital or use an ambulance ? It is possible that there is a record on CUE-PI for the NHS charges. Or maybe it is a partial match.
Although it would be fairly unusual for an insurer to check CUE-PI at quote/buy stage, which is why you may not have hit this before.
Might be worth asking the insurer what the CUE details are.
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