In an industry where risk management and fraud prevention are critical, the Claims and Underwriting Exchange (CUE) stands out as one of the most powerful risk management tools available to UK insurers.
Since the 1990s, CUE has enabled insurers to verify household, motor, and personal injury claims histories. Originally developed to capture motor claims, it was then expanded to include home and personal injury incidents.
Today, the database holds records of motor, home, and personal injury or industrial illness claims reported to insurers by their customers. As a centralised industry resource populated collectively by insurers, CUE provides a powerful tool for preventing insurance fraud, improving risk assessment and controlling claims costs through more efficient claim validation.
CUE can be accessed in real-time via API, through batch file processing, or simply via a web portal. It supports decision-making at every stage of the customer journey, from quotation and underwriting a policy to managing and settling claims. Users include insurers, MGAs, local authorities, delegated authorities and self-insured organisations. When integrated effectively, CUE helps insurers improve underwriting accuracy, speed up claims management, enhance fraud detection, and support fair pricing across the market.
CUE has been the backbone of accurate underwriting in the UK insurance market, helping to save millions of pounds annually by reducing operational costs and preventing fraudulent payouts.
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