What is the main source of information used by motor insurers to discourage fraudulent claims?

The Claims and Underwriting Exchange (CUE) is crucial for motor insurers in identifying and discouraging fraudulent claims. This database allows insurers to share information about past claims and underwriting decisions. When an individual makes a claim, insurers can quickly check the CUE to see if the claimant has a history of previous fraudulent activities. The presence of a claim history in the CUE can raise red flags during the underwriting process, allowing insurers to assess the legitimacy of claims more effectively.

In contrast, while the Driver and Vehicle Licensing Agency (DVLA) keeps important records regarding vehicle ownership and driver licenses, it does not focus specifically on fraudulent claims. The Motor Insurance Repair Research Centre provides assessments related to vehicle repairs but does not serve as a direct source for identifying fraudulent claims. The Motor Insurers' Bureau primarily deals with claims involving uninsured drivers, and while it plays a role in the broader motor insurance landscape, it is not the main source for identifying fraudulent claims as the CUE is. Therefore, the CUE stands out as the key tool used specifically for combating fraud in the motor insurance sector.