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.

Where we provide this information back to the credit reference agency, they will inform you. You can then choose to approach the company in question to query or dispute the search.

Contact details for CRAs

If you would like to query or dispute the search on your credit file, have any questions or wish to find out which insurers/brokers are behind your Percayso Inform search footprint, in the first instance please use the contact details listed below;

TransUnion

For queries or determining which insurers/brokers are behind your Percayso Inform search;

Email: consumer@transunion.co.uk

Website: www.transunion.co.uk
Consumer Services Team: PO Box 491, Leeds, LS3 1WZ
Consumer Helpline: 0330 024 7574

To raise a dispute please visit: https://www.transunionstatreport.co.uk/DisputesFAQ

For other information and ways to contact TransUnion please visit their website at: https://www.transunion.co.uk/consumer/consumer-enquiries

Experian

Consumer Help Service: Experian, PO BOX 9000, Nottingham, NG80 7WP

Website: www.experian.co.uk

Helpline: 0344 481 0800 or 0800 013 8888

Equifax

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

Website: www.equifax.co.uk

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 you don’t recognise the search or you suspect fraudulent behaviour then please contact the credit reference agency who have processes in place to deal with disputes on consumer credit files and suspected fraud.

The searches conducted by Percayso Inform are classed as soft searches. These types of searches should not affect your credit rating.

The ways in which these Credit Reference Agencies use and share personal information is explained in more detail at the following links:

• equifax.com/crain
• experian.com/crain
• transunion.com/crain

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

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

Where we act as a processor, 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.

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.

Please bear in mind that a Percayso Inform footprint may represent multiple insurers or brokers, for example if you have used an aggregator website (such as www.gocompare.com). Percayso Inform performs deduplication to avoid multiple footprints being left on your credit file for the same enquiry. Percayso Inform will then share the information returned from the CRAs with all insurers and brokers that have requested it.

Whilst your credit file does not display details of the aggregator website, insurer and/or broker that have requested your credit data, you can ask to see this information by making a request to the CRA directly.

See “How do I amend or delete the search on my credit file?” for further information.

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, which may include information from a credit reference agency (CRA).

CRAs enable insurers and brokers to consider certain kinds of credit reference data when they are assessing risk. Credit reference data enables insurers and brokers to better forecast their future liability and to price their insurance and credit products more accurately and competitively. For consumers, it means that insurance policies and credit instalments plans are priced more fairly, with the lowest-risk individuals paying less for their insurance and credit instalments.

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 ‘Insurance Quotation’ or similar 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.