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I informed my insurer of an incident and they logged it as a claim - is that allowed?
I've been looking for a car insurance quote, but between 2014 and 2015 I was involved in two accidents (one fault and one no-fault). However, when I inputted these for an online quote, a third claim had also been registered on the insurers' shared database, which was an incident in which a third party travelling in the opposite direction spun her car and only slightly clipped our car, scratching the bodywork. I reported it to my insurance company as required to do so even though I managed use T-cut to get them out. But it has been registered as a third claim with a cost of £150. Can they do this even though I was notifying them as information only? This has made my quotes higher than they should be.
Asked on 26 June 2017 by Thomas Highton
Answered by
Honest John
In short, no. If no claim was made, then they need to remove it from the database. A claim is one by which you have been compensated. No compensation, no claim. It should be logged on CUE (claims underwriting exchange) for information only.
And yes it will increase your premium.
And yes it will increase your premium.
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