How long do insurance claims stay on your record?

Most insurers ask about claims and incidents from the past 5 years when you get a quote, so that’s the period a claim typically affects your premiums. The claim is logged on the insurance industry database (CUE), where records are generally held for around 6 years. In practice, the impact on your premium fades over time — a claim weighs most in the first year or two and less as it ages out toward the 5-year mark. Important: you must declare claims and incidents honestly when asked (usually the last 5 years), even non-fault ones and ones where you didn’t receive a payout. Failing to declare can void your policy.