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Exploring the Backbone of Insurance Data Services: Key Organisations You Need to Know


The insurance industry relies on a robust system of data services to ensure efficient, accurate, and transparent operations. In this article, we explore six crucial organisations that serve as the backbone of insurance data services in the UK. We will delve into the roles of the Motor Insurers’ Bureau (MIB), Motor Insurance Database (MID), CUE (Claims and Underwriting Exchange), MIAFTR (Motor Insurance Anti-Fraud & Theft Register) and the Claims Portal, the Employers’ Liability Tracing Office (ELTO), and the Insurance Fraud Bureau (IFB).

The Motor Insurers’ Bureau (MIB)

The Motor Insurers’ Bureau is a not-for-profit organisation that protects innocent victims of uninsured and untraced drivers. Established in 1946, the MIB acts as a safety net, compensating victims when the responsible party cannot be traced or is uninsured. Funded by UK motor insurers, the MIB also collaborates with government and law enforcement agencies to reduce the number of uninsured drivers on the road, promoting safer roadways for all.

Motor Insurers’ Bureau

Motor Insurance Database (MID)

The Motor Insurance Database is the central record of all insured vehicles in the UK. Managed by the MIB, the MID serves various purposes, including aiding in the identification of uninsured drivers and assisting in the settlement of motor insurance claims. It is a vital tool for law enforcement, insurance companies, and government bodies in maintaining an accurate, up-to-date record of insured vehicles and ensuring compliance with the law.

CUE (Claims and Underwriting Exchange)

CUE is a centralised database that holds over 40 million claims records from insurers across the UK. Managed by Insurance Database Services Limited (IDSL), CUE allows insurers to access and share information on policyholders’ claims histories, facilitating informed underwriting decisions and combating fraud. By promoting transparency and data sharing, CUE helps insurers offer fair premiums and speeds up the claims process for customers.

CUE Check

MIAFTR (Motor Insurance Anti-Fraud & Theft Register) and the Claims Portal

MIAFTR is a UK-wide database managed by the MIB, containing information about stolen and written-off vehicles. It assists insurers, law enforcement, and vehicle buyers in identifying and preventing vehicle fraud and theft. The Claims Portal, a separate online service, streamlines the motor insurance claims process by providing a secure platform for claimants and insurers to exchange information and settle claims quickly and efficiently.

The Employers’ Liability Tracing Office (ELTO)

ELTO is an independent, not-for-profit organisation that helps claimants trace employers’ liability insurance policies for work-related injury or illness claims. By maintaining the Employers’ Liability Database (ELD), ELTO simplifies the process of locating an insurer in cases where the claimant may not have the necessary policy details. This service benefits both claimants and insurers by expediting the claims process and ensuring that claimants receive the compensation they are entitled to.

The Insurance Fraud Bureau (IFB)

The IFB is a not-for-profit organisation dedicated to combating organised insurance fraud. By working collaboratively with insurers, law enforcement agencies, and regulators, the IFB identifies and investigates fraudulent activities, protecting honest policyholders from the financial impact of fraud. Through data analysis and intelligence sharing, the IFB plays a crucial role in maintaining the integrity of the insurance industry and keeping premiums fair for consumers.


The six organisations highlighted in this article play vital roles in ensuring the efficiency, transparency, and fairness of the insurance industry. By working together and sharing data, they create a robust system that benefits both insurers and policyholders, promoting a safer, more reliable insurance landscape

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These articles are provided as an informational pieces. They do not provide what should be taken as insurance advice. Caravanwise Limited is not authorised to give insurance advice but our experience and expertise means that we know how to go about finding good cover. We have applied what we hope our caravan insurance and motorhome insurance clients have done when choosing us to other types of insurance. Ultimately the choice is yours.

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