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🗄️ '''Claims and Underwriting Exchange (CUE)''' is a centralized database used primarily in the United Kingdom that records individuals' [[Definition:Insurance claim | insurance claims]] history and certain [[Definition:Underwriting | underwriting]] information across motor and household [[Definition:Line of business | lines of business]]. Operated by Insurance Database Services Ltd (IDSL), a subsidiary of the [[Definition:Insurance Fraud Bureau (IFB) | Insurance Fraud Bureau]], CUE allows participating [[Definition:Insurance carrier | insurers]] to share and access historical claims data when assessing new applications or processing claims. The database is a key tool in the UK insurance market's efforts to price risk accurately and detect [[Definition:Insurance fraud | fraudulent]] or [[Definition:Exaggerated claim | exaggerated claims]] by providing underwriters and claims handlers with a consolidated view of an applicant's or claimant's prior loss history.

⚙️ When a UK [[Definition:Policyholder | policyholder]] submits a claim or applies for a new motor or home insurance [[Definition:Insurance policy | policy]], the insurer queries CUE to retrieve any recorded claims — typically going back several years — regardless of which insurer handled the original event. The database captures details such as the type of incident, the date, the amount paid or reserved, and whether the claim was settled, withdrawn, or repudiated. Insurers are required to contribute data to CUE as part of their participation agreement, creating a reciprocal information-sharing ecosystem. Access is restricted to authorized insurance market participants, and the system is subject to UK data protection legislation, including the General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, which give individuals the right to request access to their own CUE records and challenge inaccuracies.

🔎 By aggregating claims data across the market, CUE addresses a fundamental problem in insurance: information asymmetry between the applicant and the [[Definition:Underwriter | underwriter]]. Without such a shared repository, an individual could fail to disclose prior claims when switching insurers, undermining the principle of [[Definition:Utmost good faith | utmost good faith]] that underpins insurance contracts. CUE also supports the detection of patterns — such as an unusually high frequency of claims across different insurers — that may indicate organized [[Definition:Insurance fraud | fraud]] rings. While CUE is specific to the UK, analogous databases exist in other markets: the Comprehensive Loss Underwriting Exchange (CLUE) in the United States serves a similar function for property and auto insurance, and various European markets maintain industry-level claims registries. The growing adoption of data-sharing platforms globally reflects a broader industry recognition that pooled intelligence is one of the most effective weapons against [[Definition:Adverse selection | adverse selection]] and fraud.

'''Related concepts:'''
{{Div col|colwidth=20em}}
* [[Definition:Insurance fraud]]
* [[Definition:Exaggerated claim]]
* [[Definition:Utmost good faith]]
* [[Definition:Adverse selection]]
* [[Definition:Underwriting]]
* [[Definition:Insurance Fraud Bureau (IFB)]]
{{Div col end}}

Definition:Claims and Underwriting Exchange (CUE) - Revision history

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