FAQ

CUE stands for the Claims and Underwriting Exchange, which was set-up in 1994 for insurers to share information and help stop insurance fraud. CUE is run by the Motor Insurers Bureau (MIB) and is one of two key databases to help fight insurance fraud.

The national database is vast and covers car insurance, home and travel insurance, as well as personal injury claims, and contains around 34 million records. It holds all reported incidents of the past six years, even those where a claim wasn’t made, and by sharing this history with insurers, it makes it harder for repeat fraudsters to succeed.

Information stored on CUE is used to confirm the information you provide to insurers is correct and can directly affect the cost of your car insurance. CUE holds information on car accidents, thefts and personal injuries, which insurers use to assess risk before offering you a quote when you apply for a policy.

You can find out what information CUE holds about you by completing a Subject Access Request form on the Motor Insurers Bureau (MIB) website.

If any of the information in your view is not correct, you can challenge any of this information directly with the MIB or the insurer who filed it.

For reasons of commercial confidentiality we cannot list the insurers who use our database. However, your insurer should be able to tell you what industry databases they use. This may be listed in their Privacy Notice.

Only the credit reference agency can amend or delete the search on your credit file. Only the insurer who requested the search can decide if the search was legitimate or not. If they decide it was not a legitimate search, they will instruct the credit reference agency to amend or delete the information.

Percayso Inform and the credit reference agencies have an agreed process in place to help individuals who query or dispute searches on their credit file. This involves first contacting the relevant credit reference agency who will in turn provide transaction details to Percayso Inform so we can search our system to find the insurer, broker or comparison website that requested the search. We provide this information back to the credit reference agency, who will inform you. You can then choose to approach the company in question to query or dispute the search.

Contact details for CRAs

TransUnion

Post: TransUnion, One Park Lane, Leeds, West Yorkshire, LS3 1EP

Web address: https://www.transunion.co.uk/consumer/consumer-enquiries

Email: consumer@transunion.co.uk

Phone: 0330 024 7574

Experian

Post: Experian, PO BOX 9000, Nottingham, NG80 7WP

Web address: https://www.experian.co.uk/consumer/contact-us/index.html

Phone: 0344 481 0800 or 0800 013 8888

Equifax

Post: Equifax Limited, Customer Service Centre PO Box 10036, Leicester, LE3 4FS

Web address: https://www.equifax.co.uk/Contact-us/Contact_Us_Personal_Solutions.html

Email: UKDPO@equifax.com

Phone: 0333 321 4043 or 0800 014 2955

Insurers and brokers will perform a search at the credit reference agency when they prepare a renewal offer for you or make an adjustment to your policy (sometimes referred to as Mid Term Adjustment). Please be aware that it is common practice for comparison websites to keep the information you give them and send you quote details a year later. You will usually find this explained in their terms and conditions. When they create a new quote for you, the insurers they use will request new searches for credit reference agency data. Some insurers and brokers use Percayso Inform to do this search, and so our name will appear once again on your credit file. We have no control over this practice. If none of the above apply, it may be that someone else has looked for insurance using your details. All the credit reference agencies have teams to deal with suspected fraud.

The searches conducted by Percayso Inform are classed as soft searches. These types of searches have no impact on your credit score. For more information on the different types of searches recorded on your credit file, please see the below credit reference agency link:

https://help.equifax.co.uk/EquifaxOnlineHelp/s/article/Dosearchesimpactmyscore1

There is also a really useful article available on the Money Saving Expert website:

https://www.moneysavingexpert.com/insurance/comparison-site-credit-score/

We pass the information supplied by the insurer or broker to the credit reference agency they have asked us to use. We then receive the results from the credit reference agency and pass the results back to the insurer or broker. We only facilitate the exchange of information between the insurer or broker and the credit reference agency. We do not have any authority to amend or delete any of the data.

When you request an insurance quote or buy insurance (either directly from the insurer, or a broker, or by using a comparison website), certain insurers and brokers will check your details against credit reference agency data, and some use Percayso Inform to carry out this search for them. The data supplied to Percayso Inform by the insurer or broker is usually name, address and date of birth. The credit reference agency data accessed is only public records data, it is not private credit data. If that is to change in the future this FAQ and the associated Privacy Notice section on our website will be updated accordingly.

This will vary across each credit reference agency. At some the search is only visible to you and the insurer or broker who requested the search. At others the search is also visible to other companies carrying out the same kind of search. However, it is classed as a ‘soft search’ and so should not affect your credit rating.

We are an independent, UK registered organisation providing our business clients with additional data to help them understand a little bit more about you, their potential customer.

We act under instruction from our clients, primarily those from the Insurance industry, to source additional information which will confirm your identity & address.

This allows our clients to assess risk and prevent fraudulent applications. We ask all of our clients to let you know before they share policy or quote information with us, for example, by telling you about us in their quote form or their privacy notice.

Please follow the below link to find out more details about us:

https://www.percayso-inform.com

A Percayso Inform footprint on your Credit File showing as ‘Search for Insurance Quotation’ is a notification that an insurer or broker generated a quote for insurance and requested Percayso Inform to carry out the search against the credit reference agency.