Worried what claiming will cost?
How a Claim Affects UK Insurance Premium
Even non-fault claims raise UK premium by 10–40%. See the data and how long it stays on your record.
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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.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$7 per analysis · No subscription · PDF only