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Insurance Fact Sheet : Your Insurance Report PDF Print E-mail

What is my Insurance Report?

Similar to Credit Reports, Insurance Reports are generated from a large database that contains records of consumers and their insurance history. The database is maintained by a private company, Veda Advantage, to keep centralised records for the benefit of insurance companies. This information can affect your ability to obtain insurance or to claim on your insurance.

The centralised database may contain the following information:

1. Your name and address

2. Details of any insurance claims you have made in the past 10 years

3. Details of insurance enquiries

4. Loss assessor enquiries.

Insurance companies may access information in your Insurance Report anytime but particularly when:

1. You apply for insurance

2. You make an insurance claim.

3. You have a disputed claim

This means that if you did not disclose your previous insurance claims when you applied for insurance, insurance companies can find this out by accessing your report. It also means that if you win a disputed claim it is important to check your report afterwards to see what, if anything, has been recorded on your file.

If you want to check what your insurance report says about you, use the sample letter below:

SAMPLE LETTER: Request for a Copy of Your Insurance Report

Date:

Veda Advantage Public Enquiries

P.O. Box 966

NORTH SYDNEY NSW 2059

[Optional: By Facsimile: 02 9951 7880]

 

To whom it may concern,

RE: My Insurance Report

I wish to request a copy of my insurance report to ensure that it is correct. My details are:

Full name:

Date of Birth:

Driver's licence number:

Current residential address:

Previous residential addresses within the last five years:

Daytime telephone number:

 

Yours faithfully,

 [Full name]

IMPORTANT:This letter can be used as a guide. You must insert your own details where appropriate and delete any information that is not relevant to your situation. Always date your letters. Always keep a copy of the letter you send. GET LEGAL ADVICE IF YOU DON'T UNDERSTAND.

Need some more help? For a list of additional resources, click here . 

 
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