How to Check Your Car Insurance Claim History

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How To Check Your Car Insurance Claim History

When purchasing car insurance, you’ll need to provide information on past claims. Being honest is crucial. Here’s how you can access your claim history.

What is a car insurance claim?

A car insurance claim refers to the formal request made by a car owner to their insurance provider seeking compensation after an incident or accident.

This claim can be for various reasons, primarily encompassing damage to the vehicle or injuries sustained by passengers or drivers.

Broken Tail Light

The scope and nature of claims can differ widely. They might cover small accidents like a cracked tail light or a broken wing mirror, all the way to more grave situations like totalled cars or unfortunate fatalities.

It’s essential for car owners to understand their policy’s terms and conditions to know what’s covered and what isn’t.

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What different types of car insurance claims are there?

Car insurance claims primarily fall into ‘fault’ and ‘non-fault’.


This type of claim occurs when another driver is responsible for the accident and their insurance company compensates for the damages. In this scenario, even though the accident wasn’t your fault, you’re merely reporting it.

However, it’s noteworthy that having a ‘non-fault’ claim on your record could still lead to an increase in your insurance premiums, as insurers sometimes view any claim as a potential risk factor.

What Different Types Of Claims Are There


The term ‘fault’ in this context doesn’t strictly imply that you caused the accident. Rather, it signifies that your insurance provider had to cover the costs.

For instance, if someone were to strike your stationary car and flee without providing their contact information, this incident might be registered as a ‘fault’ claim on your part.

This is because your insurance company would likely cover the repairs, even though you weren’t at fault for the damage.

Naturally, if you were indeed responsible for an accident, a fault claim would be made against your policy, which can further impact your premiums and insurance standing.

Understanding these nuances is essential to navigate the insurance landscape effectively and ensure you’re adequately covered.

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How does a car insurance claim affect my insurance premium?

Upon renewing or purchasing a new policy, insurers will ask for a history of your past claims. Typically, making a claim can influence the cost of your car insurance premium, often leading to an increase.

The rationale behind this is that insurers may perceive you as a higher risk, even if the accident wasn’t your fault. Moreover, even a single claim can significantly reduce or completely void your accumulated no-claims discount (NCD), which is a reward for not having made any claims over a specified period.

It’s crucial to be aware of this potential impact and consider measures such as protecting your NCD, where available, to mitigate possible premium hikes.

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How can I check my car insurance claim history?

To delve into your car insurance claim history, you have several options available:

Reach Out to Your Insurance Company

One straightforward method is to directly contact your current or previous insurance providers. They maintain detailed records and can provide information regarding the dates of claims, the nature of the claims, amounts disbursed, and any associated injuries.

Consult the Claims and Underwriting Exchange (CUE)

CUE is a comprehensive database that stores records of all incidents reported to insurance companies, even if they didn’t result in a formal claim. This service exists mainly to curb fraudulent activities and provides a transparent overview of your insurance history.

Access through the Motor Insurers’ Bureau (MIB)

To obtain your records from CUE, navigate to the Motor Insurers’ Bureau’s official website. There, you can fill out a ‘subject access request‘ form. This process allows you to view all the data related to your claims and incidents.

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Rectifying Errors

If, upon review, you discover discrepancies or believe certain data is incorrect, it’s crucial to act promptly. Reach out to the insurance provider you suspect might have submitted the erroneous information, or contact the MIB for assistance in resolving the matter.

Motor Insurers' Bureau

Being well-informed about your claim history can aid in making future insurance-related decisions and ensuring you’re accurately represented in the insurance marketplace.

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Will an insurance provider find out about my  car insurance claims history?

Yes. The majority of car, home, and travel insurance providers contribute data to CUE (Claims and Underwriting Exchange), which retains these records for a period of six years.

  • Role of CUE: CUE acts as a central repository for insurance claims data. When you apply for or renew an insurance policy, providers typically consult CUE to review your claims history. This information helps them assess the risk associated with insuring you, which in turn influences your premium rates.

  • Importance of Honesty: It’s imperative to be transparent and accurate when discussing your past claims with potential insurers. Intentional omissions or inaccuracies could be easily spotted when they cross-reference your statements with CUE’s records.

  • Consequences of Misrepresentation: Attempting to conceal past claims in the hopes of securing a more favourable premium might seem tempting, but it carries significant risks. If caught, you might face higher premiums, policy cancellations, or even legal repercussions.

  • Obligation to Report Incidents: While it’s your choice whether or not to make an insurance claim after an incident, it’s crucial to notify your insurance provider of the event. Failure to do so might lead to complications, and in worst-case scenarios, your policy could be voided.

Report Accident Or Incident To Your Insurance Company

Always prioritise honesty and transparency when dealing with insurance matters. It ensures smooth interactions with your provider and guarantees that your cover remains intact and valid when you need it most.

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Frequently asked questions

Yes, checking a used car’s history is essential before finalising a purchase.

  • Comprehensive Insight: By checking its history, you gain insights into its past, including any accidents, ownership changes, and maintenance records. This gives you a clearer picture of the car’s overall health and any potential future issues.

  • Reputable Sellers: A trustworthy dealer or individual seller should readily provide a full vehicle history report. This document should detail previous accidents, repair records, mileage verifications, and even instances of theft, if any.

  • Private Sales: When purchasing a car from a private seller or in situations where it’s had multiple previous owners, there’s a higher risk of information being omitted or overlooked. In such cases, consider procuring a history report from an independent agency or service that specialises in vehicle background checks.

  • Benefits of a Detailed History:

    • Safety: Knowing the car’s accident history can inform you of potential safety concerns.
    • Fair Pricing: Understanding the car’s history helps in negotiating a fair price.
    • Future Maintenance: A clear record of past repairs can help you anticipate future maintenance needs and costs.
  • Additional Checks:

    • Mechanical Inspection: Apart from the history, consider getting the car inspected by a trusted mechanic. They can identify issues that might not be evident in the vehicle’s history report.
    • Recall Information: Ensure the vehicle doesn’t have any pending recalls that haven’t been addressed.

An informed buyer is a protected buyer. Making an effort to understand a used car’s history can save you from potential pitfalls and ensure you’re making a sound investment.

Read the full guide on buying a used car vs. a new car

 Here’s a more detailed approach to checking a vehicle’s history:

  • DVLA’s Online Services: With just the vehicle’s registration number, the DVLA provides a wealth of information:

    • MOT History: You can see past results, mileage records, and any current MOT advisories or failures.
    • Log Book (V5C): Ensuring the seller has this document is crucial, as it provides proof of ownership. If they don’t have it, the car may be stolen.
    • Tax Status: Find out if the car is taxed and when the tax expires.
    • Vehicle Specifications: Access details about the vehicle’s engine size, emissions, and more.
  • RAC Vehicle History Check: The RAC provides a more comprehensive background check, revealing:

    • Outstanding Finance: Determine if there’s any unpaid debt associated with the vehicle.
    • Mileage Discrepancies: Alerts you to potential clocking (when the mileage is fraudulently reduced).
    • Theft, Scrap, or Write-off Status: Important to know if the car was previously written off or deemed unroadworthy.
    • Price Evaluation: Based on the car’s details, they may offer an estimation of its current market value.
  • Service History:

    • Request the service booklet or digital records from the seller. Regular entries can show a history of proper maintenance.
    • Cross-check the mileage listed in service documents with the vehicle’s odometer to spot any inconsistencies.
    • Service stamps from recognised dealers or mechanics are a good indication of well-maintained vehicles.
  • Other Vehicle History Providers:

    • There are various companies, besides RAC, that offer vehicle history checks, such as HPI, Experian, and Carfax. Each has its own fees and may offer different levels of information.
  • Visual & Mechanical Checks:

    • Physically inspect the car for signs of wear, rust, or repairs. Mismatched paint or new parts might indicate previous accidents.
    • Consider hiring a trusted mechanic to inspect the car. They can identify underlying issues that might not be apparent in its records.
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By being diligent and using these tools, you can ensure you’re making an informed decision and avoid potential pitfalls or hidden costs.

When you make a claim on your car insurance, this information is typically registered with the Claims and Underwriting Exchange (CUE), a central database accessed by insurers. This claim remains on your CUE record for a period of six years. Here’s what you need to know about this:

  • Purpose of CUE: Insurers use the CUE to verify information provided by policyholders. It helps them assess risks more accurately, decide on the terms of cover, and set premiums.

  • What’s Included: The CUE doesn’t just record claims; it also documents incidents you’ve reported to your insurer, even if you didn’t make a claim. This could include minor accidents or damages you chose to repair out of pocket.

  • Impact on Premiums: Having claims on your record might lead to higher insurance premiums, as insurers might view you as a higher risk. However, the impact tends to decrease over time, especially if you don’t make additional claims.

  • No-Claims Discount (NCD): While your claim remains on the CUE for six years, it may not impact your no-claims discount for that entire duration. Typically, insurers look at the last five years of your claims history to determine your NCD.

  • Accessing Your Record: You have the right to request a copy of your data from CUE. Regularly checking can ensure the information is accurate and that there aren’t any errors that might unfairly increase your premiums.

  • Other Databases: Besides CUE, there are other databases like the Motor Insurance Anti-Fraud and Theft Register (MIAFTR), which insurers might check. It’s primarily used to track stolen and written-off vehicles.

Remember, being upfront about your claims history when seeking a new policy or renewal is essential. If insurers find discrepancies between what you’ve reported and what’s on the CUE, they might adjust your premiums or even decline to offer cover.

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