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The claims history assessment of an individual is optimised, to highlight the propensity of drivers to make personal injury claims as a result of a motor accident identifying potentially fraudulent activity at all stages of the client lifecycle.
CACHE, the insurance bureau suite of services, helps to assess risk in order to confidently provide policy premium quotations and can automatically detect cases where further investigation is required at the underwriting and claims stages of the insurance lifecycle. Supported by the Data Hub System, the CACHE screening process can be enriched with a number of additional datasets (linked addresses, financial data, ID verification and vehicle data).

Key benefits

  • Ability to increase premium revenue and profitability by charging rates linked to the true risk involved.
  • Improved quality of the business portfolio and reduced exposure by accurately identifying risks.
  • Reduction in the manual effort and costs involved in confirming at the underwriting stage whether an individual has consistently disclosed his claims history and can therefore benefit from a “no claims” discount.
  • Reduction in claims expenses and faster processing through more efficient claims handling.
    Control of overall costs by identifying multiple and potentially fraudulent claims.

Resources

This brochure provides a complete overview of CACHE PI insurance bureau service as well as related products and services designed to improve your risk assessment and claims management activities.
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Products and Services

CACHE PI

The CACHE PI service enables insurers to search the Claims and Underwriting Exchange Register Personal Injuries database (CUE) and obtain a full report of the personal injury claims history of a given individual. It holds over 12.5 million personal injury insurance claims.

CACHE Home

The CACHE Home service allows insurance companies to run a search in the the Claims and Underwriting Exchange Register Home database (CUE) and access a full report containing the home insurance claims history of a given individual. It holds over 7 million household insurance claims.

CACHE Motor

CACHE Motor service enables isurers to search the the Claims and Underwriting Exchange Register Motor database (CUE) and provides a comprehensive report of the motor claims history of a given individual. It holds over 11 million motor injury insurance claims.

CACHE Smart

As an additional module of CACHE, the CACHE Smart module allows insurers to enrich searches with linked addresses coming from a file of over 30 million records increasing the matching capability against the the Claims and Underwriting Exchange Register database (CUE), which can then be integrated with specific anti-fraud models.