The short answer
Notified claims (paid or not) stay on the CUE database for 5 years and affect home and motor renewals across all insurers. Typical increases: 10–25% for one claim, 30–50% for two. Self-fund anything under 2x your excess.
Frequently asked
- Does just reporting an incident count?
- Yes — once notified, it goes on CUE even if you withdraw or self-fund.
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